slojonka

Add unemployment benefits to that. In Germany you receive 60% of your former income from a year when you get fired.

Think about the standard US saving rule for a personal emergency fund: you should have 3-6 monthly incomes in cash always available. That just doesn't make sense here. There are no emergencies that need so much cash. The rule here is "three month of standard expenses in savings".

You get paid a monthly stipend. It is paid with their taxes and dues by the working population.

How would one do the questionnaire as a group activity? Talking through every question together or just in the end?