Graphic for Podcast Episode 54 featuring financial expert Claudia Müller and podcast host Olli Schmidt
Psyche
06.10.2026 Sabrina Ludwig 603

Episode 54: How Can I Get My Finances Under Control?

Why do so many people find it hard to keep track of their money—and what does that have to do with Klarna, ADHD, and, above all, their own beliefs? Our guest: Claudia Müller, financial expert and founder of the “Female Finance Forum.”

Social role models and beliefs such as “I’m not good with money” influence how well we manage our finances and save. In the podcast, Claudia Müller shares practical strategies and tips for greater financial security—from automatic savings to the first steps in retirement planning. 

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Find out in this podcast:

  • Why Role Models Shape Our Relationship with Money
  • What Beliefs Have to Do with Financial Control
  • How to Save Money in Small, Clear Steps
  • How to Stay in Control During a Breakup
  • Three Steps to Planning for the Future

 

Excerpt from the podcast interview

Beliefs and Personal Obstacles

Olli Schmidt: What are some typical beliefs you encounter time and again among your clients?

Claudia Müller: If I keep telling myself, “I’m not good with money,” or am firmly convinced that I’m just not good with money, then I’ll never be good at it. Subconsciously—people don’t do this on purpose—I then find reasons to say, “I absolutely need this right now” or “It was on sale.” And in doing so, we reinforce what we already believe: our core beliefs. We keep repeating them over and over.

Another classic is: “It doesn’t really matter what I do—by the end of the month, the money’s gone.” Interestingly, there’s also the saying: “Money corrupts character.”

Yes, money is evil.

Claudia Müller: Money is evil; money alone doesn’t bring happiness. […] And I find myself thinking: What kind of choice is that? Why can’t we just be rich and healthy? Who decides that? […] That’s the point: Money promotes good health, and money also brings happiness. Money also leads to more positive—that is, stronger and better—relationships. […]

If I go through a breakup and want to remain financially independent, what are the very first steps I should take to ensure I’m reasonably secure?

Claudia Müller: I would recommend that everyone have their own bank account, regardless of gender. Always have your own account. […] In most cases, the woman has less money simply because she took care of his children. […] But she wasn’t just sitting around doing nothing at home—she worked incredibly hard. And that’s why she’s entitled to 50 percent.

Cheerful to stormy - the everyday podcast with Olli Schmidt

Welcome to "Heiter bis stürmisch" - the everyday podcast. Cheerful or saddened to death: life has its ups and downs. That's what we're all about: everyday crises such as arguments with your partner, parenting issues, work overload, insecurities and anxiety. We talk to experts and give you practical tips to help you deal better with crises and challenges.

You can listen to our podcast on all known podcast platforms (Spotify, Apple Music, Audible etc.)! Questions, suggestions, criticism, wishes? Feel free to write to us at: podcast@familienservice.de

zero pme and Generation Ü: From retirement to working life

Retiree partial retirement
Leadership & HR
14.03.2024 Christin Müller 15505

pme and Generation Ü: From retirement to working life

By 2030, over eight million people will be of working age. Only around 5.5 million workers will join the labor market. Many companies are already feeling the effects of this huge skills gap. In order to anticipate this development at an early stage, the pme Familienservice Group is deliberately focusing on new ways of recruiting through a partnership with the "Generation Ü" job agency.

For some time now, pme Familienservice has been committed to keeping team members in employment - at their own request - after they retire. At the beginning of March, pme Familienservice launched a partnership with the job placement agency "Generation Ü", which helps to recruit people with extensive work experience. In future, the focus will be on more than 90 childcare and educational institutions across Germany.

Silver worker: From retirement to working life

At the 30 pme locations throughout Germany, Generation Ü will search for and place suitable "Üs" as a job placement service for retirement. Üs are women and men, generally between their late 50s and early 70s, who want to remain active towards the end of their working life or in retirement.

"Through the partnership with Generation Ü, pme Familienservice wants to focus even more strongly than before on the experience and motivation of older generations. This is an important component of our diversity strategy and should also help to counter the increasing shortage of skilled workers," says Alexa Ahmad, CEO of the pme Familienservice Group.

Who is Generation Ü?

Ü founder and former State Secretary Christian Ege says: "Generation Ü brings companies and Üs into contact and organizes the cooperation, hand-mediated and with an internal IT platform in which over 1200 Üs are currently registered".

Generation Ü offers SMEs and public employers in particular many advantages and credibility in the search, placement and recruitment of skilled workers over 55. Whether in the office, childcare, classroom, accounting, as a driver, in sales, production, technology or a doctor's surgery: the Üs fulfill many tasks and important projects reliably, with knowledge, drive and many years of experience in a wide variety of professions and areas. Just in a slightly different way than in conventional working life.