Unit 4 · Level 3 · Pensions & the long game
Boss: The planner
Matches, tax shelters, decades of compounding, and the enemy that never sleeps.
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What you get asked
Boss battle. Kira has €4,000 of credit-card debt at 19%, no emergency fund, and €300/month spare. Her first move?
The order of operations: a starter cushion stops new debt, then the guaranteed 19% 'return' of clearing the card crushes any expected market gain.
Reassemble the League 3 master plan, from foundations to autopilot
Foundations, goals, allocation, automation, maintenance: the whole league in five steps.
A €100,000 portfolio drifts to 70/30 against a 60/40 target: move €___ thousand from stocks to bonds.
Target €60k/€40k versus actual €70k/€30k, so €10,000 crosses over. Selling the winner to buy the laggard is the discipline that buys low automatically.
A €24,000 inheritance arrives AND markets just crashed 30%. The plan-following move?
The windfall playbook doesn't bend for market drama. Lower prices are welcome, but the parking period, debt check, and bucket-filling still come first.
Final check: match each League 3 number to its meaning
Four numbers that carry the whole league: safety first, evidence on timing, a retirement target, and allocation's dominance.
Leo, 25, gets a 1:1 employer match up to 5% and wants €20,000/year of retirement income someday. His plan: take the full match, invest monthly in a stock-heavy global mix, rebalance yearly, ignore crashes. What's missing?
Match captured, horizon-matched mix, automation, rebalancing, and crash discipline: the planner's full toolkit. You've built the plan; now the long game does the heavy lifting. 🐜
The rest of this unit
Matches, tax shelters, decades of compounding, and the enemy that never sleeps.