Johannes BürgerMr. Geldsystem
Money system check

Johannes Bürger · Mr. Geldsystem

A money system for your whole life.

From your first pay cheque to retirement and beyond. I’ll show you an understandable money system that grows with your life – one I’ve been living myself for over ten years.

Take the money system check See the offers

Honest, down to earth, no promises of riches. Johannes

Free webinars (in German)

Take a calm look at my money system

Two webinars to choose from: “Schluss mit Geldstress” (no more money stress) and “Der Geldsystem-Bauplan” (the money system blueprint). Pick any time – even in a few minutes. Only first name and email, no account needed. As a thank-you, you get the matching Essentials workbook for free once you confirm by email.

Save my free seat
  • Lived it myself

    I’ve used my money system myself for over ten years and keep refining it.

  • Solid expertise

    I have a teaching qualification and have passed the state examination for securities intermediary.

  • Fair

    Every course comes with a 14-day money-back guarantee.

Your account balance is not your budget. Every euro has a job.

The money system

Built like a house. From the ground up.

Most people start with the roof: investing. A money system starts with the foundation. Each pillar stands on the one before, so the order really matters.

  1. PILLAR 1 · THE FOUNDATION

    Financial clarity

    I know where I stand.

    You learn to record your income, spending and accounts completely, once, and to calculate two key figures: your cash flow and your net worth.

  2. PILLAR 2

    Financial control

    I decide consciously what happens to my money.

    You get to know a four-account model, how to set up a budget that fits your everyday life, and what a simple money routine can look like.

  3. PILLAR 3

    Financial stability

    I’m prepared for the unexpected.

    You learn how an emergency buffer is built in three stages, what a plan for existing commitments can look like, and five warning signs that help you spot money squeezes early.

  4. PILLAR 4

    Financial future

    I plan consciously for my goals.

    You learn to set goals and plan a savings rate. The principle: stability before returns. Specific investment products are not covered.

What it looks like day to day

Four accounts. Each with a job.

Your balance only shows how much money is there right now, not what it’s already earmarked for. With separate accounts, you can see at a glance what’s really free to spend.

Johannes himself sets aside about 15 minutes a week to keep his system running.

A typical starting point

  • Surprisingly little is left at the end of the month
  • Decisions are based on the current balance
  • You save whatever happens to be left over
  • One unexpected bill throws everything off

What you work on in the course

  • An overview of where you stand and what your money is meant for
  • Planning reserves and automating them where possible
  • Preparing for bigger expenses early
  • Consciously making room for spontaneous things
Johannes Bürger in a white shirt in a bright library

About me

I got it wrong at first.

When I got my first pay cheque, there was enough money, but I had no system. Later I made financial decisions based on other people’s opinions, and that had negative consequences. That was my push to take responsibility myself.

Step by step, my own money system took shape. Today I pass it on, so you don’t have to learn from mistakes first.

  • TrainingTeaching qualification
  • ExamState examination for securities intermediary
  • ExperienceSeveral years in the financial sector
  • TalksFinancial education for groups of 10 to 30 people
“Financial education starts with your first pay cheque, not your first financial product.”

To be honest

What you won’t get from me.

  • No promise of richesIt’s about knowledge and structure, not quick gains.
  • No investment or wealth management adviceNo recommendations on shares, funds or other products. I teach the fundamentals.
  • No financial productsI don’t sell or broker financial products. You’re buying a learning resource.
  • No subscriptionYou pay once, with no ongoing costs.

Money system check

Which pillar isn’t holding up yet for you?

  1. 1Answer four questions with Yes or Not yet
  2. 2See which pillar isn’t holding up yet
  3. 3Find the right learning resource to get started
Less than a minute. General guidance for choosing a learning resource, not an analysis of your finances. Nothing is stored or sent.

A look inside the course

Take a look before you decide.

Here’s what a lesson looks like: short, calmly explained, with a task for your own numbers.

The video will be added when the site goes live.

Excerpt from lesson 3.1 “Liquidity beats income”

See all 20 lessons
  1. Module 1 · Clarity How a money system works and why saving alone isn’t one · Your financial inventory · Where your money really goes · Your two key numbers: cash flow and net worth · The biggest leaks: unconscious spending and old habits
  2. Module 2 · Control Why budgets fail and what holds up instead · The account system · Your budget: 50/30/20, zero-based and the hybrid model · Prioritizing expenses · The money routine
  3. Module 3 · Stability Liquidity beats income · The emergency fund in three stages and where it shouldn’t sit · Paying down debt: order over feelings · Going through fixed costs and contracts properly, once · The early warning system: five signals before things get tight
  4. Module 4 · Future The three pots: emergencies, planned expenses, future · Goals and reserves · Where your savings amount comes from · A savings rate that grows · The path to building wealth

What’s included in every course

  • 22 short videos mostly 4 to 9 minutes, at your own pace
  • Fillable workbook a worksheet for your numbers with every lesson
  • Finance tracking tool for Excel keep an eye on income, expenses and reserves
  • The book “Dein Geldsystem” included as a PDF
  • Unlimited access by email right after purchase

A good fit if you …

  • want to know where your money goes
  • want a system that holds up in everyday life
  • want to build reserves instead of being caught off guard by bills
  • are ready to take an honest look at your numbers

Not a fit if you …

  • want to get rich quick
  • are looking for stock tips or investment recommendations
  • need personal debt counseling, for example if you’re facing insolvency
  • expect things to change without any effort on your part

Offers

Your way in, as deep as you like.

Three levels, all building the same money system. You can start with any of them.

LEVEL 1Free

Start for free

For you if you first want to see where you stand.

Der Geldsystem-Bauplan (The Money System Blueprint)

Free webinar on setting up your money system. You get the matching Essentials workbook as a gift.

Sign up for free

Schluss mit Geldstress (No More Money Stress)

Free webinar for when too little is left at the end of the month. You get the matching Essentials workbook as a gift.

Sign up for free
  • Essentials Workbook as a gift
  • About 45 minutes
  • Pick your own time
LEVEL 2€24.99*

The whole system to read

For you if you want to understand the whole system.

E-Book „Dein Geldsystem“ (Your Money System)

All four pillars, adapted to eight life situations.

Buy the e-book
  • 236 pages
  • 28 chapters
  • 11 templates
  • 4-week plan

E-book as PDF

LEVEL 3 · WITH ME€297* each

Build it step by step

For you if you want to build it step by step with me.

Der Geldsystem-Bauplan (The Money System Blueprint)

When things work, but the system is missing.

Buy the course

Schluss mit Geldstress (No More Money Stress)

When money is tight and you need breathing room first.

Buy the course
  • 22 videos
  • Workbook
  • Excel tool
  • Free e-book

Also available in installments: 3 × €105 (€315 in total) or 6 × €55 (€330 in total)

14-day money-back guarantee

Secure payment via Digistore24PayPal · Credit card · Direct debitInstant access by e-mail

All prices are final prices including VAT. The seller and contractual partner is Digistore24 GmbH; its terms and conditions apply.

All offers are learning resources for general financial education. No investment advice, no wealth management advice and no brokering of financial products is provided. Examples are for illustration only; no particular financial outcome is promised. All courses, books and workbooks are in German.

FAQ

What people often ask first

Which offer is right for me?

If you want to see where you stand first, sign up for the free webinar – you get the Essentials workbook as a gift. If you want to understand the whole system, the book. If you want to build it step by step with me, one of the two courses. The money system check above gives you a first direction.

What’s the difference between the two courses?

Both build the same money system in four pillars. The Bauplan is for you if things basically work and you’re only missing the system. Schluss mit Geldstress starts where money is tight right now. You only need one of them.

Doesn’t a money system sound like going without?

No. A dedicated fun account is a fixed part of it. Money can add to your quality of life; it just has to fit your budget and your priorities.

How much time do I need?

A webinar takes about 45 minutes, you can finish the gifted Essentials workbook in one evening, and the courses at your own pace. After that, 15 minutes a week is enough.

Is it about shares or investments?

No. It’s about the foundation that comes before: overview, accounts, reserves, saving. Building wealth is the last step, not the first.

Do I have to show my numbers to anyone?

No. You work with your own numbers, just for yourself.

What if the course isn’t right for me?

Then you get your money back within 14 days. This is handled directly through Digistore24.

Does this apply to Austria and Germany?

Yes. The system works the same way in both countries, and the examples come from both.

You don’t have to change everything at once.

The first step is understanding where you stand today. Start wherever feels right for you now.

Take the money system check

Ask me directly

About the offers, talks for schools and groups, or working together.

johannes@johannesbuerger.com
Where do you stand right now?4 questions, under 1 minute Start the check

Legal notice

Translation for information only. The German version is legally binding.

Information pursuant to § 5 E-Commerce Act (ECG) and disclosure pursuant to § 25 Media Act (Mediengesetz)

Johannes Bürger
Am Anger 1
7441 Pilgersdorf
Österreich

E-mail: johannes@johannesbuerger.com
Website: www.johannesbuerger.com

Legal form

Sole proprietorship (Neue Selbständigkeit, new self-employment). The activity is carried out as new self-employment in a teaching capacity and does not require a trade licence under the Trade Regulation Act.

Business purpose

Creation and sale of digital learning content and delivery of online seminars that teach general knowledge in the areas of money management, financial organisation and personal financial education.

VAT and company register

VAT: none. There is no entry in the company register (Firmenbuch).

Editorial policy

This website provides information on money management, financial organisation and personal financial education, and presents and sells its own digital learning resources, online seminars and other digital products. The content serves exclusively to convey general knowledge and does not replace individual financial, investment, tax, legal, credit or insurance advice.

Copyright

All content on this website, in particular texts, images, graphics, videos, downloads and logos, is subject to Austrian copyright law. Any use beyond the limits permitted by law requires the prior written consent of the rights holder.

Liability for content

The content has been created with the greatest possible care. No guarantee is given for its accuracy, completeness or timeliness. The content does not constitute individual advice.

Liability for external links

This website contains links to external third-party websites whose content is beyond our control. The operators of the linked pages are solely responsible for their content. If any legal infringements become known, the links concerned will be removed immediately.

Consumer dispute resolution

There is no obligation and no willingness to take part in dispute resolution proceedings before a consumer arbitration board.

Privacy

Translation for information only. The German version is legally binding.

In short: This website sets no cookies and uses no tracking and no third-party analytics tools; I count visitor numbers myself, without cookies and without IP addresses. Fonts and images are hosted on our own server. That’s why there’s no cookie banner here.

1. Controller

Johannes Bürger
Am Anger 1
7441 Pilgersdorf
Österreich
E-mail: johannes@johannesbuerger.com

No data protection officer has been appointed, as there is no legal obligation to do so.

2. Hosting and server log files

This website is hosted by IONOS SE. To deliver the site, the server processes technically necessary data. Of this, its access log stores only the date and time, page requested, referrer, browser identifier (browser type and version, operating system), campaign details in the link (e.g. utm parameters) and amount of data transferred – without IP address, without cookies and without scripts. This log is deleted after 7 days. Only to fend off attacks does the server use IP addresses briefly in memory and, in the case of suspicious access, for a block lasting no more than 24 hours. This serves the secure and stable operation of the site (legitimate interest, Art. 6(1)(f) GDPR). A data processing agreement pursuant to Art. 28 GDPR is in place with the hosting provider. From this log I also count page views to see how visitors reach the website (e.g. Instagram, Facebook, search engines, ads). Only daily totals without any personal reference are kept (legitimate interest in measuring advertising success, Art. 6(1)(f) GDPR).

3. SSL/TLS encryption

For security reasons, this website uses TLS encryption. You can recognise it by the padlock symbol and “https://” in the address bar.

4. No cookies, no tracking

This website sets no cookies, stores nothing on your device and does not embed any analytics, advertising or social media services. Consent under § 165 Abs. 3 TKG 2021 is therefore not required. Links to Instagram, TikTok and Facebook are simple links. You only leave this site when you click on them. Exception: the login cookie in the members’ area (see section 8).

5. Contact by e-mail

If you write to us, we use your details (name, e-mail address, content of the message) only to handle your enquiry (Art. 6(1)(b) or (f) GDPR). Your data is not passed on unless this is necessary to handle your enquiry or required by law.

6. Money system check

The check runs entirely in your browser. Your answers are neither stored nor transmitted.

7. Purchases via Digistore24

The purchase buttons lead to Digistore24. Digistore24 GmbH acts as reseller and processes the data required for purchase, payment, invoicing and fraud prevention under its own responsibility (Art. 6(1)(b) GDPR). Digistore24’s privacy policy applies.

8. Members’ area and emails

The members’ area at johannesbuerger.com/mitglieder/ runs on my own server at IONOS. After a purchase, Digistore24 transmits your name, your email address and the order so that I can set up your access (Art. 6(1)(b) GDPR). Your password (encrypted only) and your course progress are also stored. For logging in, the members’ area sets a technically necessary cookie that only remembers your login. I send emails (access, course and webinar emails) via the IONOS mail server. Customers only receive marketing emails if they have confirmed this themselves via a confirmation link (Art. 6(1)(a) GDPR, § 174 TKG 2021); you can unsubscribe at any time with one click in every email. Email opens are not measured at all – my emails contain no tracking pixel. I only count anonymously how often the links in an email were clicked in total: for this, a link briefly passes through my server, which records only the total number of clicks per email – without any link to you (legitimate interest, Art. 6(1)(f) GDPR). I do not use any third-party newsletter, course or tracking services.

9. Free webinars

If you register for a webinar at johannesbuerger.com/webinar/, we process your first name, your e-mail address, the chosen date, your IP address and the time of registration and confirmation (double opt-in). We use this to send you access to the webinar room, reminders and, after confirmation, a personal download link to the matching workbook, valid for 30 days (Art. 6(1)(b) GDPR). In the webinar room we store whether and for how long you watched and whether you clicked the offer button. This tells us how well the webinar is received (Art. 6(1)(f) GDPR). No cookies are set for this. Unconfirmed registrations are deleted after 7 days. If you have not signed up for further emails, first name, e-mail and IP address are deleted 90 days after the booked date, after which only anonymous figures remain. You will only receive further e-mails with tips and offers if you ticked a separate box and confirmed it via the e-mail link (Art. 6(1)(a) GDPR, § 174 TKG 2021). You can unsubscribe at any time with one click in every e-mail.

10. How long I keep data

11. No transfers to third countries

I do not transfer any data to countries outside the EU or the EEA. My service providers (IONOS, Digistore24) process the data in the EU.

12. Your rights

You have the right of access (Art. 15), rectification (Art. 16), erasure (Art. 17), restriction of processing (Art. 18), data portability (Art. 20) and objection (Art. 21 GDPR). You can withdraw any consent you have given at any time with effect for the future. Just write to johannes@johannesbuerger.com.

13. Right to lodge a complaint

If you believe your data is not being processed correctly, you can lodge a complaint with the Austrian Data Protection Authority (Datenschutzbehörde): Barichgasse 40–42, 1030 Vienna, dsb@dsb.gv.at, www.dsb.gv.at.

Last updated: October 2026