Budget & overview
We make visible what comes in and what goes out. Afterwards you know how much you can save without it hurting.
- Sort income and expenses
- Set up an emergency fund
- A budget you can actually stick to
Financial education in Vienna & online
Understand money.
Decide for yourself.
I'm Cäcilie, and I explain budgeting, ETF savings plans and the stock market in a way that lets you make your own decisions afterwards.
Teaching, not selling. I don't sell you anything and I don't give advice. I teach you how it works.
This is for you if …
Most people who come to me aren't "bad with money". Often there's simply no interest (yet), or they feel overwhelmed by all the information and by the topic of money in general.
you want to start an ETF savings plan, but the jargon loses you.
you've inherited money and don't know how to divide it sensibly.
there's money in your account that hasn't done anything for years.
you want to know where your money actually goes each month.
you've read about options and want to understand them before you try them.
you have questions you never dared to ask at the bank.
What I offer
What I teach
One-to-one or in small groups, online or in person in Vienna. You learn with your own numbers, not textbook examples.
Set up your ETF savings plan
From "What is an ETF?" to a savings plan running in your own brokerage account. You do the clicking, I explain as we go.
- Understand ETFs, indices, accounts and costs
- Criteria for choosing
- Set it up together
Dividing an inheritance or savings
When there's suddenly more money: we calmly sort out what should stay available in the short term and what can work for you long term.
- Time horizons and pots
- Lump sum or step by step
- Questions for your own decision
Understanding options
Short puts and covered calls, explained so you can judge the opportunities and the risks. Based on years of my own practice.
- Terms: strike, expiry, premium
- What happens in the worst case
- Examples from real trades
Voices from the workshop · translated from German
A very informative course for beginners! Cäcilie shows, in a down-to-earth and gentle way, how to take stock of your own financial situation, find out about brokers, shares and ETFs, and decide how you want to invest your money. And slowly my mindset is shifting from "That's not for me!" to "I'm going to give it a try!"
I can recommend the workshop to anyone who wants to learn more about money and ways to invest! Let's talk money is exactly that: talking about what we (unconsciously) think about money, what experiences we've had and what we could do with it. The atmosphere in the group was very pleasant and I felt comfortable asking all my questions, even the silly ones. Everything was explained with very practical, clear examples. Very inspiring, but without the feeling that I was supposed to be convinced of something.
Try it out
What a small savings plan can do over the years
Move the sliders and see how much of the final value comes from compound interest. We calculate like this in my lessons too, just with your own numbers.
How I work
I won't tell you what to buy. I'll show you how to work it out yourself.
Investment advice
- Someone recommends a product
- You trust the recommendation
- Next time, you ask again
With me
- You learn what matters
- You make the decision
- Next time, you know it yourself
How it works
Step 1
First call
We talk about where you are and what you want to know. Afterwards it's clear whether and how we'll work together.
Step 2
Learning
In sessions that build on each other, with notes to read up on and room for every question.
Step 3
Putting it into practice
You set up what you've decided. I'm there if you want me to be, and explain what you see.
No subscription, no hidden follow-up costs. You decide when you know enough.
Bringing order into chaos.
20years in adult education
2018investing since
About me
Hi, I'm Cäcilie.
I've been teaching adults for 20 years, many of them as a German teacher. Explaining things well is my craft: bringing order into chaos, translating jargon, and letting people ask until it clicks.
In 2018 I started investing directly on the stock market myself (before that, through actively managed funds at my bank), and later options trading followed. At some point I noticed I enjoy teaching finance almost more than grammar. That's how moneyandme began.
From my reel series
Questions everyone has and nobody asks
Short answers here. More on Instagram and in my lessons.
How much money do I need to get started?
Less than most people think. Many savings plans start at €25 or €50 a month. More important than the amount is having an emergency fund first and not needing the money for a long time.
Is an ETF safe?
An ETF spreads your money across many companies. That lowers the risk of single companies going bust, but the value moves with the market, downwards too. That's why the time frame matters so much.
What exactly is a brokerage account?
It's a bit like a bank account for securities. That's where your ETFs or shares are held. You can open one at a bank or with an online broker.
Don't I need an adviser?
Some people want advice, and that's fine. But if you want to understand what happens with your money and make your own decisions, you're in the right place with me.
Let's talk.
In a first call we look at where you are and what you'd like to learn. You don't need to prepare anything or know anything.
P.S. There are no stupid questions about money.