By Thomas Öchsner
Take the right steps now
If there is just enough income to live on, it is especially difficult to save money for old age. Millions of low-paid workers in Germany feel like this. A lot of them believe: with the few bucks I could pretty much squeeze out of my household budget, it’s not worth it anyway. However, this is a mistake. Those who systematically use state allowances and subsidies from their employers can save tens of thousands of dollars. How not to give gifts – a guide.