To be saving you first of all need to have some cash left over. In Germany you only net about 55-60% of your gross income and pay has generally not kept pace wi

To be saving you first of all need to have some cash left over. In Germany you only net about 55-60% of your gross income and pay has generally not kept pace with inflation for many years. Moving within Germany doesn't make a big difference as rent is highest where pay is better. Investment returns are also heavily taxed.