The article discusses the concerns of a 65-year-old man named Werner Tiefental, who, having spent part of his professional life as a self-employed individual, now faces the reality of retirement without having contributed to the statutory pension scheme. As he approaches retirement age, he is troubled by doubts regarding whether his savings of 120,000 euros will be adequate to support him in his later years. Despite the fact that many may view reaching retirement age as a moment of celebration, Tiefental is overwhelmed by the uncertainty surrounding his financial situation.

The piece highlights a broader issue faced by many self-employed individuals in Germany, who often struggle with retirement planning due to the lack of compulsory contributions to a public pension system. With an increasing number of people choosing self-employment, the need for effective retirement savings solutions becomes evident. The article emphasizes the importance of financial literacy and the potential need for policy reforms to assist self-employed workers in preparing for retirement.

Furthermore, Tiefental's case serves as a reminder of the challenges many face in ensuring financial stability as they age. The emotional weight of such financial uncertainty can affect mental health and overall quality of life, making it crucial for individuals to seek guidance and plan adequately for their future. The article prompts readers to consider the broader implications of retirement planning for self-employed individuals and the need for comprehensive support systems.