{"id":47560,"date":"2026-04-15T13:09:33","date_gmt":"2026-04-15T11:09:33","guid":{"rendered":"https:\/\/finmarie.com\/?p=47560"},"modified":"2026-04-15T13:11:45","modified_gmt":"2026-04-15T11:11:45","slug":"5-fog-bombs-nobody-warns-you-about-when-you-move-to-germany","status":"publish","type":"post","link":"https:\/\/finmarie.com\/en\/5-fog-bombs-nobody-warns-you-about-when-you-move-to-germany\/","title":{"rendered":"5 Fog Bombs Nobody Warns You About When You Move to Germany"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"47560\" class=\"elementor elementor-47560\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-2d437a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d437a9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c4cb4e8\" data-id=\"c4cb4e8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75c6219 elementor-widget elementor-widget-text-editor\" data-id=\"75c6219\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Do you remember the day you got your \u201cAnmeldung\u201d in Germany? \ud83d\ude42<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">I do\u2026 vividly \ud83d\ude02.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Maybe you understand right away where this story leads to\u2026 and what I mean, because \u2013 we expat women \u2013 we are facing similar situations, I guess. I am writing this here not only for you, but also\u2026 a little bit for myself.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Because there are things about living here in Germany as an expat that I&#8217;ve been quietly carrying around for some time \u2014 mentioning them over a Latte Macchiato to my friend from Italy, then we are nodding and laughing\u2026 and then just&#8230; we are just moving on. Taking things as given.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Yes, I totally agree, humour makes everything a little better, and I truly think our brain also needs this kind of mechanism to cope a bit better with annoying situations.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">But still \u2013 I want some \u201cissues\u201d we have to be seen \u2013 like not only joked about, but yes \u2013 also seen as problems, we have to deal with and not only charming little \u2018accidents\u2019 everyone is making fun of. Like \u2018yes, this is just the international life we signed up for. Ha ha, Germany, you got me again with your cute Brezels \ud83e\udd68.\u2019<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And look \u2014 most of the time, they ARE funny. Genuinely. The kind of funny where you&#8217;re retelling the story at a dinner party and you can barely get through it.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">But some days? Some days they&#8217;re just <\/span><i><span style=\"font-weight: 400;\">annoying<\/span><\/i><span style=\"font-weight: 400;\">. Like, properly, legitimately, \u2018why-is-this-happening-oh-my-gosh\u2019 annoying. And I think that deserves a little more airtime than a punchline and a subject change, right?<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">So I&#8217;m writing this partly hoping you read it and go <\/span><i><span style=\"font-weight: 400;\">&#8220;oh my god, yes, SAME&#8221;<\/span><\/i><span style=\"font-weight: 400;\"> \u2014 because that echo is kind of the whole point. These stumbling blocks are real. They have nothing to do with how much is in your \u2018Konto\u2019 or whether you&#8217;ve finally sorted that ETF portfolio.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">They&#8217;re just the stuff that comes with life. Funny most of the time. Genuinely exhausting sometimes \u2013 most of the time very German. \ud83d\ude04 \ud83e\udd13<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Ah, and yeah, I still owe you my \u2018Anmeldung\u2019 story.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">So, I remember standing in a B\u00fcrgeramt waiting room on a Tuesday morning, clutching a number ticket like it was a gold medal, watching the screen flicker from A087 to A088. I had been there for 47 minutes. I had no idea what was going to happen when my number was called. I didn&#8217;t know what documents they wanted. I had googled &#8220;Anmeldung Berlin what to bring&#8221; three separate times and gotten three separate answers.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And then \u2014 A089. My moment. I walked up, sat down, laid out every single document I owned like I was presenting a business case to the board.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Passport \u2713.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Rental contract \u2713.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The Anmeldeformular I had painstakingly filled out the night before \u2713.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">I thought I was ready, yeah and then the woman looked at my little pile, then looked at me, and said I was missing the Wohnungsgeberbest\u00e4tigung \u2014 this form my landlord needed to sign.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Uff, how could this have slipped through\u2026 But yeah, this is just one of those typical German things. It\u2019s not enough to bring a signed contract from your landlord \u2013 no, we need double-proof: Bring another document and fill in the data\u2026 again\u2026 Jesus. \ud83d\ude00<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Sure, I should have checked again to make sure I have everything\u2026 but this extra document still seems unnecessary \u2013 at least to me.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">So yeah\u2026 I wasn&#8217;t lost, exactly. I was just&#8230; in the fog.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And that&#8217;s the thing about expat life in Germany \u2014 it&#8217;s not one big dramatic crisis. Nobody moves here and immediately falls apart. It&#8217;s subtler than that. It&#8217;s fog. Thick, persistent, <\/span><i><span style=\"font-weight: 400;\">bureaucratic<\/span><\/i><span style=\"font-weight: 400;\"> fog that rolls in quietly and sits on top of your brain until you start questioning whether you&#8217;re actually a competent adult or just someone who only <\/span><i><span style=\"font-weight: 400;\">looked<\/span><\/i><span style=\"font-weight: 400;\"> competent back home.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">If you feel it, this one&#8217;s for you. \ud83d\udc9b<\/span><\/p><p>\u00a0<\/p><h2><b>Fog Bomb #1: You can nail a presentation in English, but can&#8217;t call your Arzt without sweating<\/b><\/h2><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Do you know those moments when you actually know something subconsciously but you are just too embarrassed to say it out loud? Like to actually let it out?\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">So here we go\u2026 I was doing well \u2014 after moving here, I got a good job with a decent salary, living in a city \u2013 Berlin \u2013 I genuinely loved. And yet I&#8217;d stand in a DM trying to figure out if I buy washing powder or a toilet cleaner, or feeling a low-grade panic every time my Vermieter (landlord) sent a letter, I had to Google Translate three times before it made even partial sense.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">There&#8217;s this weird kind of cognitive dissonance of being a high-functioning professional in one language and culture&#8230; while feeling like a slightly confused child in another. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d28a047 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d28a047\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c2bd30c\" data-id=\"c2bd30c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9696d55 elementor-widget elementor-widget-html\" data-id=\"9696d55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe data-src=\"https:\/\/giphy.com\/embed\/NMkDjJP2ZC29G\" width=\"480\" height=\"326\" style=\"\" frameBorder=\"0\" class=\"giphy-embed lazyload\" allowFullScreen src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-load-mode=\"1\"><\/iframe><p><a href=\"https:\/\/giphy.com\/gifs\/unimpressed-chloe-NMkDjJP2ZC29G\">via GIPHY<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-783bcac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"783bcac\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-670147d\" data-id=\"670147d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8996622 elementor-widget elementor-widget-text-editor\" data-id=\"8996622\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">And I am not saying this to just complain (that\u2019s clich\u00e9 maybe, but isn\u2019t this also more a German thing \ud83d\ude00) \u2013\u00a0 it matters, because that fog doesn&#8217;t just affect your mood: It affects your decisions.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">When you don&#8217;t feel confident navigating the basics, you definitely don&#8217;t feel confident asking questions about your Rentenversicherung (pension contributions) or whether your tax return is actually correct. And this is super important and yes \u2013 leads to you eventually being less independent. The last thing we want, as we all left our country for a little adventure, right?<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">You put it off. Of course you do. We all do. That\u2019s the thing\u2026 \ud83e\udd14<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">The fog makes you procrastinate on the things that matter most, because those things feel even more impenetrable than the B\u00fcrgeramt queue.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">So, my German friend Nina said recently, \u201cI am sorry, honey, sounds rough\u2026 but you know we have to deal with this bureaucracy as well.. and not even we understand it.\u201d<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Yeah, I get where you come from, and thanks for your loving words, dear \u2013 but honestly\u2026 I feel this is\u2026 not the same. Since I am always stressed out, I might miss important information because I don\u2019t understand every word they.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And don&#8217;t even get me started on the Frauenarzt. Because there are appointments where you <\/span><i><span style=\"font-weight: 400;\">can<\/span><\/i><span style=\"font-weight: 400;\"> bring a friend for moral support and live translation \u2014 and then there are appointments where you absolutely don\u2019t want to. Or at least not everyone who is available at this point.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">You want to explain your symptoms, ask your questions, and understand the answers \u2014 by yourself, like the adult you are. But medical German is its own language entirely (Like \u2018Lungenentz\u00fcndung\u2019 vs \u2018pneumonia\u2019, e.g.), and it hits you right when you&#8217;re already feeling a little vulnerable. I&#8217;ve smiled and nodded my way through more of those appointments than I&#8217;d like to admit, Googling the medication name on the U-Bahn home like a low-budget detective. \ud83e\udd14<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">But yeah\u2026 doesn\u2019t matter if we are in K\u00f6ln, Hamburg or in Heidelberg\u2026 I guess the language is giving us everywhere a hard time (I know that I am better off in Berlin, of course\u2026).\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And I think that&#8217;s what gets to us after a while \u2014 that we are losing our autonomy a bit. You&#8217;re someone who makes decisions confidently, advocates for herself, and knows her own body. And then\u2026 at the doc you&#8217;re suddenly dependent on whether they speak enough English.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Yeah, fair enough, you could say &#8220;Just learn German&#8221;. But there&#8217;s a difference between not knowing how to order your \u201cIngwertee und St\u00fcck Marmorkuchen\u201d and not fully understanding a diagnosis or a treatment option. This isn&#8217;t small talk vocabulary.\u00a0<\/span><\/p><p>\u00a0<\/p><h2><b>Fog Bomb #2: Everyone around you <\/b><b><i>seems<\/i><\/b><b> to have figured it out<\/b><\/h2><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">I was recently at a dinner party in Prenzlauer Berg: Boris, my friend from Yoga, invited and we had a good wine and my other dear Jenna has brought a very respectable K\u00e4seplatte (you know those with all kind of cheese from France, Switzerland and Italy you can find a in Bio-Supermarket \u2013 such a clich\u00e9 in this supposed to be super \u2018upper-middle-class-Kiez\u2019 \ud83d\ude02).<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">We sat down, cheered to our lives, and the conversation turned to, I don&#8217;t know, the housing market, then Elterngeld (parental allowance) and then switching health insurance providers.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">I was already like, \u2018interesting\u2026,\u2019 but would also have really liked to talk about lighter topics after work.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">So I&#8217;ve been a bit quieter because I have been tired, and suddenly Boris and Jenna are having this very confident, informed conversation, and everyone\u2019s nodding along, doing their absolute best impression of someone who also knows things. (Me too \ud83d\ude00)<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">But here&#8217;s what I&#8217;ve learned from building and being part of the fin:marie community: almost nobody actually has it figured out. They&#8217;re just better at <\/span><i><span style=\"font-weight: 400;\">performing,<\/span><\/i><span style=\"font-weight: 400;\"> having it figured out.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">The women who come to our Academy? They&#8217;re smart, accomplished, globally-minded, earning good money \u2014 and the first thing almost every single one of them says is some version of: <\/span><i><span style=\"font-weight: 400;\">&#8220;I thought it was just me.&#8221;<\/span><\/i><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">It&#8217;s not just you. It was never just you. We&#8217;re all running on vibes and Google Translate and the one German colleague who&#8217;s nice enough to explain things twice.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Yeah, and this is why the fin:marie Academy even exists \u2013 to show you \u2018hey, there are others like you and me.\u2019<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Our aim at fin:marie was to build a community of women who show each other how to get a piece of the pie. And I have to say that one more time: Especially for expat women.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And spoiler: Even though those people might seem to have everything figured out already when it comes to money, insurance, assets and whatsoever \u2013 all of those topics are super individual. There is no one-size-fits-all \u2013 meaning what\u2019s right for them doesn\u2019t have to be for you.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Not even mentioning that sometimes they are just loud and might not even know more than you \u2026 (I am not even slightly side-eyeing men, haha).<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-7864124 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7864124\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-934d274\" data-id=\"934d274\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a6ccb15 elementor-widget elementor-widget-html\" data-id=\"a6ccb15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe data-src=\"https:\/\/giphy.com\/embed\/Wwn5NKv4At2CIc8XQa\" width=\"480\" height=\"422\" style=\"\" frameBorder=\"0\" class=\"giphy-embed lazyload\" allowFullScreen src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-load-mode=\"1\"><\/iframe><p><a href=\"https:\/\/giphy.com\/gifs\/side-eye-dog-meme-Wwn5NKv4At2CIc8XQa\">via GIPHY<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-fc38684 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fc38684\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9a175ed\" data-id=\"9a175ed\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fec14d7 elementor-widget elementor-widget-text-editor\" data-id=\"fec14d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">I don\u2019t want to point fingers at anyone of course, I just want you to feel less intimidated by conversations like that \u2013 as, trust me, so many people have no clue either and need to get started or pretend they have don\u2019t acknowledge it and.. yeah \u2013 sometimes don\u2019t really get started in the end.\u00a0<\/span><\/p><p><br \/><br \/><\/p><p><span style=\"font-weight: 400;\">So the actual power move\u00a0 is to admit you are mayyybe a bit clueless and, after all being open and really learning how to deal with money, e.g.\u00a0<\/span><\/p><p>\u00a0<\/p><h2><b>Fog Bomb #3: The &#8220;I&#8217;ll sort it out when I decide to stay&#8221; trap<\/b><\/h2><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Oh, this one. This one is <\/span><i><span style=\"font-weight: 400;\">particularly<\/span><\/i><span style=\"font-weight: 400;\"> German-expat-flavoured.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Because Germany is not always the easiest place to settle into emotionally.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">The winters are long. Oh my god, I don\u2019t know if you have been living in Berlin this year, but especially this one tested us, right? Maybe my Munich expat peers \u2013 you had a good time \u2013 as the Alps were screaming \u201cget your snowboard out!\u201d? \ud83c\udfc2<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Anyways\u2026 let\u2019s continue with the list \ud83d\ude00 \u2013 The bureaucracy is relentless. Even making close German friends can take years. And so a lot of us exist in this semi-permanent state of &#8220;I&#8217;m here for now, but maybe not forever&#8221; \u2014 which sounds reasonable but is actually just a very comfortable way to avoid making decisions.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And look \u2014 it&#8217;s not just the bureaucracy that&#8217;s exhausting. It&#8217;s everything that comes <\/span><i><span style=\"font-weight: 400;\">with<\/span><\/i><span style=\"font-weight: 400;\"> it. You&#8217;re navigating a new language in high-stakes moments. You&#8217;re sometimes just&#8230; homesick.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Like, properly, embarrassingly homesick \u2014 missing your mum&#8217;s Carbonara (delicious\u2026 \ud83e\udd79), or your best friend who just <\/span><i><span style=\"font-weight: 400;\">gets<\/span><\/i><span style=\"font-weight: 400;\"> you without you having to explain yourself, or even just the comfort of knowing exactly how things work somewhere.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">You&#8217;re also simultaneously trying to build a social life from scratch \u2014 which, by the way, is a full-time job in itself and also \u2013 which you really need. As you are far away from home, you need your \u2018chosen family\u2019 or \u2018second family\u2019 to basically survive and making friends as an adult is hard enough.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Like we don\u2019t have play dates anymore, our moms organised for us \u2013 like \u2018Listen Annalisa, this is Brittany \u2013 don\u2019t you wanna invite her over this afternoon?\u2019 And then Brittany has no choice but to become your friend as her mother wants a free afternoon to clean the house and drink a cappuccino by herself \ud83d\ude00.<\/span><\/p><p><span style=\"font-weight: 400;\">No, sadly not anymore. On top of it, making friends as an expat in a city where the locals have known each other since kindergarten? A whole different level. \ud83d\ude05<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">So long story short \u2013 I get it. I get, that you have zero capacity for uncomfy topics. And those are sometimes related to money. You might think: \u201cI&#8217;ll figure out my finances when I know if I&#8217;m staying for longer\u201d or \u201cI&#8217;ll open a proper investment account when I have a permanent contract.\u201d\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Let me tell you one thing \u2013 and nothing else than with love: Money actually gets \u201cuncomfy\u201d when it&#8217;s \u2013 exactly \u2013 not figured out. Not to blame you or to shame you, but to just say \u201cYes, I get all of it\u2026 would be just good to take some me-time and have your financial situation on the radar.\u201d<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">The fog here is existential, not just administrative. And fin:marie was honestly one of the places that helped me separate &#8220;I don&#8217;t know where I&#8217;ll be in ten years&#8221; (valid, relatable, fine) from &#8220;therefore I don&#8217;t have to think about money&#8221; (a story we tell ourselves that costs us more than we realise).<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">You can plan <\/span><i><span style=\"font-weight: 400;\">for yourself<\/span><\/i><span style=\"font-weight: 400;\"> without having to have your entire life plan locked in. \ud83d\udcaa<\/span><\/p><p>\u00a0<\/p><h2><b>Fog Bomb #4: The expat bubble \u2014 cosy, comfortable, and a little bit of a trap<\/b><\/h2><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Okay, hand on heart \u2013 maybe it was the same for both of us\u2026 We had some plans when we moved to Germany, no? Like, not the obvious ones, getting a job or whatever.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Okay, maybe also obvious \u2013 we were going to learn German properly, seriously. Also, of course we thought we would only make real German friends. To well\u2026 actually, integrate, right? Not just land in Germany and immediately find the nearest group of English-speaking internationals and&#8230; stay there forever.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">What should I say\u2026 here we are. \ud83d\ude04<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Some of us maybe more, and some less, but I guess the majority would say \u201cyes\u201d. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d44f234 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d44f234\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-044d033\" data-id=\"044d033\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-670fab5 elementor-widget elementor-widget-html\" data-id=\"670fab5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe data-src=\"https:\/\/giphy.com\/embed\/IgAay7r5YOBTYXqgBq\" width=\"480\" height=\"398\" style=\"\" frameBorder=\"0\" class=\"giphy-embed lazyload\" allowFullScreen src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-load-mode=\"1\"><\/iframe><p><a href=\"https:\/\/giphy.com\/gifs\/Friends-friends-tv-the-one-with-cuffs-IgAay7r5YOBTYXqgBq\">via GIPHY<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-fa9b250 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa9b250\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7077a49\" data-id=\"7077a49\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-12009ce elementor-widget elementor-widget-text-editor\" data-id=\"12009ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Because yeah we didn\u2019t come here and say \u201clet\u2019s find an expat bubble\u201d \u2014 as you know, the expat bubble isn&#8217;t something you just <\/span><i><span style=\"font-weight: 400;\">choose<\/span><\/i><span style=\"font-weight: 400;\"> exactly. It just happens.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Like automatically. You sign up for a yoga class thinking, okay, this is where I meet real Berliners or Frankfurters \u2013 in the English-speaking class (let\u2019s fool ourselves a bit \ud83d\ude00)<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And maybe you even do! Two of them. Who both immediately start talking to you in English because they clocked your accent when you were complaining about how little flexible your hamstrings are in the first Downward Facing Dog. And the other six people in the class? An Australian, two Americans, someone from Amsterdam, and a girl from Milan who becomes one of your closest friends. Bless. (of course she\u2019s an Italian speaker \u2013 what else \ud83d\ude4a)<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Hey, I absolutely don\u2019t wanna talk this down \u2013 please don\u2019t get me wrong. It\u2019s amazing to meet people from all over the world \u2014 it genuinely is. You don&#8217;t have to translate yourself, not linguistically into a language you don\u2019t feel comfortable at all and for your new Italian bestie not even not culturally.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">In the end, it\u2019s not about from where somebody is, but rather about you vibing in the same way. Like making friends in Yoga, e.g. means that you share sometimes similar philosophies of living.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">For example, you mention that you need a slow weekend for your mental health and nobody looks at you like you just said something weird. Or you go out together in the evening, but you rather wanna have a peppermint tea than a third glass of wine, and everyone&#8217;s immediately on board. Nobody wants to talk you into another Riesling from this beautiful Mosel area.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Yes you could say \u2013 the friendship is easy in a way that just feels like oxygen.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">But yeah, I had this situation&#8230; I have been here five years, and I was sitting in my favourite little caf\u00e9 on the opposite side of my Wohnung \u2014 the one with this crazy good vegan blueberry cheesecake and the window seat I kinda\u2026 consider mine at this point \ud83d\ude2c.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And the door opens, my German neighbour enters, and she smiles at me\u2026\u00a0 and at this point I realise\u2026 oooh, I still don&#8217;t know her name. Was it Melanie? Or Jessica?\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Maybe you also know those kinds of situations.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">I mean, we&#8217;ve said \u2018Hallo\u2019 approximately four hundred times, and that&#8217;s&#8230; as far as it&#8217;s ever gotten. Always coming home the same time from work\u2026 opening the front door for each other and then walking silently upstairs until I have to get one more floor up and then \u2018Tsch\u00fc\u00fc\u00fcss\u2019.<\/span><\/p><p>\u00a0<\/p><p><b>You&#8217;re living <\/b><b><i>in<\/i><\/b><b> Germany. But not quite <\/b><b><i>with<\/i><\/b><b> it. At least this is how it felt to me.\u00a0<\/b><\/p><p><b>But here is the thing: Breaking out of the bubble takes real effort.\u00a0<\/b><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And after a long week of navigating everything else on this list \u2014 this Deutsch, the bureaucracy, yeah\u2026 the fog\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">\u2014\u00a0 sometimes we just don&#8217;t have that effort (or brain cell \ud83e\udde0) left.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">So it\u2019s just a bit easier to go back to our little comfy expat bubble, because it&#8217;s warm and it&#8217;s ours, and sometimes we just want to sit across from someone who already gets it \u2014 over a good coffee, no explaining required.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">There is only this thing that I am thinking sometimes. People are also leaving to live somewhere else \u2013 let\u2019s say, at a higher percentage than locals. And then you have to start to connect again.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Sure it\u2019s super nice to also have a friend in Barcelona, Buenos Aires or in Cape Town you can eventually visit, but yeah\u2026 here the word \u2018chosen family\u2019 comes in again. We also need stability, of course, in a way.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And just saying\u2026 sometimes that comes also with bonding a bit more with the locals \u2013 makes you feel more part of your surroundings, maybe or like gives you a sense of belonging somewhere.\u00a0\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Still, I would never ever wanna miss my friends from all over the world \u2013 they make my life here, and yes, we understand each others fog bombs \ud83d\ude00.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">So having only expat friends is also super valid. Completely valid. Just \u2014 worth noticing if we could also open up a bit more \ud83d\udc9e<\/span><\/p><p>\u00a0<\/p><h2><b>Fog Bomb #5: Nobody in your life back home gets it<\/b><\/h2><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Recently, I have been sitting on my couch after cooking lunch on a Sunday, a super-nice mushroom risotto recipe I got from my friend Giulia from home. And then I thought about her, and of course, I dialled her number and wanted to tell her how awesome it tasted again.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">After thanking her for showing me this amazing food, I ended up talking about how I feel, and tried to explain why I am a bit stressed about my Steuererkl\u00e4rung (tax return) or whether I should stay in gesetzliche (public) or switch to private health insurance&#8230; her eyes glaze over. Even over a video call, I can see it.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Of course, we love each other. We have known each other since first grade and eventually grew up together \u2013 and yes, exchanged recipes to become perfect housewives (silly me \ud83d\ude05 \u2013 life had clearly another plan for me).<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">But\u2026 yeah, she wants to help me, of course. She is just missing a frame of reference. Which is not anyone&#8217;s fault, of course\u2026 I am not here to blame anyone, neither her nor myself.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Still &#8220;Can&#8217;t you just get an accountant?&#8221; is maybe goodwill, but doesn\u2019t really help me at this point&#8230;\u00a0<\/span><\/p><p>\u00a0<\/p><p><b>It&#8217;s a bit bigger than that. There is this emotional weight of doing so much of this <\/b><b><i>alone<\/i><\/b><b>. Because you make all those decisions: big ones, real ones \u2014 without a single person in your life who&#8217;s already walked this exact path and can say:<\/b><\/p><p>\u00a0<\/p><p><b>\u201cI know how it works, let me show you how what\u2019s best, stay in your public insurance, because of a) and do this in your Steuererkl\u00e4rung because of b).\u201d<\/b><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Yeah, I\u2019d bet most of us don&#8217;t have that. There&#8217;s no older sister who also moved to Germany in her 30s and figured out the health insurance system, and can tell you what she did. No family friend who knows what it&#8217;s like to build a life from scratch in a country that\u2019s so different to yours.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">You&#8217;re doing a lot of things for the very first time \u2014 in a constellation that&#8217;s on top of it, uniquely yours \u2014 and yes, that&#8217;s suuuper exciting, but it also comes with something else, which is a tiny risk that you make a decision that\u2019s not exactly for you\u2026\u00a0 That\u2019s emotional labour and yeah, we carry it mostly by ourselves.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And sure, you don&#8217;t need someone to fix it all the time.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">We also don\u2019t want somebody to explain how we should live our lives, no? But sometimes we just want to say it out loud to someone who won&#8217;t immediately try to talk us out of experiencing these intense feelings.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">You want to name the worries\u2026 and yeah, just get them out to maybe move on with a little lighter heart.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">So that&#8217;s what I wanted to do here, honestly. Not solve anything (and I could not probably \ud83d\ude00). I just wanted to say: I see you. If any of this sounds familiar \u2014 the overwhelm, the loneliness of being emotionally self-sufficient all the time, the feeling of navigating without a map\u2026 I feel it too.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And I&#8217;m pretty sure there are a lot of us out here feeling exactly the same way and not saying it nearly enough, because we always expect that others would not get it.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">So, gentle pat on the back. You&#8217;re doing great, even when it doesn&#8217;t feel like it. \ud83d\udc9b<\/span><\/p><p>\u00a0<\/p><h3><b>So, what do you do with all this fog?<\/b><\/h3><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Well\u2026 You don&#8217;t need to clear everything at once \u2013 like you also don\u2019t tidy your basement, clean your flat and cut the grass in the garden the same day, no? (At least I hope not, otherwise I\u2019ll start feeling bad \ud83d\ude00)\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Overall, I don&#8217;t think that&#8217;s even the point. To get rid of all fogs at the same time.\u00a0<\/span><\/p><p>\u00a0<\/p><p><b>The point is \u2014 and that&#8217;s really why I wrote this \u2014 that you&#8217;re not alone in it.<\/b><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Not even a little bit. There are so many of us navigating exactly this, quietly, from our favourite caf\u00e9 window seats and our Sunday risottos and our B\u00fcrgeramt waiting rooms.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Sometimes, not knowing what\u2019s actually going on in this country.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">We are doing it well, mostly, also struggling sometimes, and often figuring it out as we go. But also if we don\u2019t sometimes\u2026 that\u2019s fine.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And if reading this made you feel even slightly less like you&#8217;re the only one \u2014 then that&#8217;s everything. And I am happy for you (and me \ud83d\ude1b).<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">The one thing I will say, gently and without pressure: when you&#8217;re doing this much on your own, it does matter to have a few things in place that you can actually rely on.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">One of the things I&#8217;ve come to believe pretty deeply is that women are incredibly good at taking care of each other, when we actually let ourselves. We share recipes, we share apartments, we share the name of a good Steuerberaterin who speaks English.<\/span><\/p><p>\u00a0<\/p><p><b>Yes, we show each other how things work, not by lecturing (not by \u2026-splaining \ud83d\ude23), but just by saying <\/b><b><i>&#8220;okay, so here&#8217;s what I did.&#8221;<\/i><\/b><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And I think that&#8217;s exactly what&#8217;s possible when it comes to money, too. Not scary, not complicated \u2014 just women, at different stages, sharing what they&#8217;ve learned. No judgment about where you&#8217;re starting from. No pressure about how much you&#8217;ve already figured out.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">We&#8217;re all figuring it out together, and there is nothing like \u201cDo-it-like-me-because-this-is-the-only-way\u201d \u2013 no, we are no fans of those absolute statements that don\u2019t even leave a little space for arguing against them.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Just a space where the question <\/span><i><span style=\"font-weight: 400;\">&#8220;wait, what even is a Riester-Rente?&#8221;<\/span><\/i><span style=\"font-weight: 400;\"> is completely welcome.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">That&#8217;s what fin:marie feels like to me. Less a finance course, more a group of women who&#8217;ve decided to figure this out together \u2014 on their own terms, in their own time.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">So if the fog ever gets a little too thick and you want a starting point \u2014 <em><strong><a href=\"https:\/\/finmarie.com\/en\/\">we&#8217;re there<\/a><\/strong><\/em>. And if you&#8217;re not ready yet, that&#8217;s completely okay too. \ud83d\udc9b<br \/><br \/><\/span><br \/><br \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Do you remember the day you got your \u201cAnmeldung\u201d in Germany? \ud83d\ude42 \u00a0 I do\u2026 vividly \ud83d\ude02. \u00a0 Maybe you understand right away where this story leads to\u2026 and what I mean, because \u2013 we expat women \u2013 we are facing similar situations, I guess. I am writing this here not only for you, but [&hellip;]<\/p>\n","protected":false},"author":22,"featured_media":47562,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"footnotes":""},"categories":[16],"tags":[],"class_list":["post-47560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5 Fog Bombs Nobody Warns You About When You Move to Germany - finmarie<\/title>\n<meta name=\"description\" content=\"Do you remember the day you got your \u201cAnmeldung\u201d in Germany?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finmarie.com\/en\/5-fog-bombs-nobody-warns-you-about-when-you-move-to-germany\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Fog Bombs Nobody Warns You About When You Move to Germany - 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