Malte Krüger, like millions of other average earners, faces the threat of old-age poverty – a pension gap of 250,000 euros looms ahead. As if that weren't enough, he knows very little about finances. Is this the end? No! As a journalist, he embarks on a relentless investigation. Who can you trust your money with for private retirement planning? How can one achieve the best possible retirement savings? Like an undercover investigator in the style of Günter Wallraff, he dives into the depths of the financial industry. From multi-level marketing to prestigious banks, from fintechs to private wealth managers, he explores every avenue. He quickly realizes that all the proposed solutions for his retirement savings are either inadequate or anything but tailored to his needs. It is only with the independent fee-based advisor and former banker Alexander Schmidt that he finds reliable assistance.