Aside from travel, which in my opinion is never a bad idea – why not give your dear person a slightly different gift this year?

Perfumes, bouquets of flowers, shoes, watches, lunches in some cool places … You have already repeated it all a few times and now it is time for new gifts.

  • Through the work I do, I get to know a lot of people who have not adequately organized their finances and that is why they and their families suffer. Instead of another gift of the same or similar nature, there is one that will be a direct benefit to the one you are giving it to. And it can benefit you too.

I suggest you seriously to consider opening up a savings account with your partner, which may have a few more extras like life insurance, additional injury insurance and surgery (more details and answers can be found here).

Why would you even think about these things?

Well simply because you want to enjoy together with your dear person for a decade in life, travel and have a better standard of living. To organize the life you love.

If you feel like going to the Rio Carnival – make it happen for yourself;

If you want to buy a new car – buy one;

If you’re an NBA fan, visit Dallas and watch Luka Dončić live;

In case you prefer tennis, buy tickets and a hat for Wimbledon finals with obligatory whipped strawberries and enjoy;

If a good part of the planet can afford this, why shouldn’t you?

All it takes is a little discipline in spending money;

Because of all this, for this March 8th, treat your partner with the ultimate gift to enjoy together for years to come!

Currently, the average pension in Montenegro is € 287. As you can see, after settling the monthly costs we will be left with burger. Instead of crying about it, it’s a good thing there is a solution!


Many (especially young people) still do not realize that the most important parameters in the model by which our parents received their pension have changed dramatically. There is no longer a much larger number of employees than there used to be in retirement. Now, the contributions of retirement benefit employees are also smaller.

In other words, forget about pensions and how our parents came to them. The system has changed, the circumstances surrounding the area have changed.

The Pension and Disability Pension Fund in Montenegro is in the deficit at an annual level of about € 109 million, which means that the regular payment of pensions is achieved by borrowing. The State Pension Fund used to have excess money and had no funding problems.

If you didn’t know this, it’s time to get acquainted with the facts and take action.

Current trends in population migration to other countries and insufficient birth rates – means, among other things, that we remain without taxpayers who spend money here, or those who make contributions to the State Pension Fund.

It will take much more effort and knowledge to keep this “challenge” under control in the coming period.

  1. Young people are particularly “at risk” because they live with this challenge, which was not so serious at the time of our parents… On the other hand, they want to “live” and spend now. And it’s not easy to reconcile everything at the same time. 

  2. Those who are older, who have passed that stage, realize that they have also thrown too much money into a lot of unnecessary things. And they realize that there was an exaggeration in spending, and they are much more aware of the seriousness of the problem in the third age because they are closer to it. 

  3. Many have probably already come to the stage when they are a little uncomfortable calculating how much money they have “invested” in so many clothes, shoes, toys for children. So much has accumulated in the house and are now seriously considering a new wardrobe. It needs to be located somewhere.

And then suddenly the question comes out of the flash: “What if we lived 20 years longer than our savings?”

That question can throw many into a knockdown and maybe even a technical knockout because they haven’t thought about it at all. Or maybe they did, but they didn’t do anything about it … If you are under 65, you can improve your prospects for a more comfortable future.

In fact, there are more. But you should choose the one that suits your wishes and financial capabilities.

Another unpleasant question (which we want to avoid) may be:

“What if there are long-term health problems or some unforeseen economic circumstances?”

That some people said, “It won’t hurt me, damn it,” doesn’t help much. The real question when something like this happens is, “Do we already have a contract that covers us from such risks?” And have we raised enough money in the past to be able to push through that period?

I urge you to be responsible. This story is real life and he’s like a rollercoaster. Let’s be prepared for any situation. 

Choose the right gift for March 8th.

If you have special requirements and want answers to specific questions, then schedule a consultation with a person who has a master’s degree in this field here.

This Post Has 3 Comments

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