Insurance explained: premiums, deductibles and coverage gaps
Compare insurance using premiums, deductibles, exclusions and realistic claim scenarios. Ben and Maya work through what a cheaper policy can actually cost.
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Personal finance guides: mortgages, insurance and pensions
Detailed explanations, worked examples and country-specific guides with the Fiscal Nonsense cast.
Full articles are available in English, German, French and Italian.
Subject explainers
How to compare mortgages beyond the headline rate
Compare mortgage payments, fees, interest and remaining debt over the same period. Alex’s worked example shows why a lower rate can cost more.
Read article ↗Country guides
Switzerland: health insurance, mortgages and pillar 3a
A 2026 Swiss money guide covering compulsory health cost sharing, mortgage equity and affordability, and pillar 3a limits, with Nina’s worked example.
Read article ↗UK: insurance, mortgage costs and workplace pensions
Understand UK insurance gaps, fixed mortgage periods, qualifying earnings and pension allowances for 2026/27 through Leo’s first-job example.
Read article ↗Italy: mutuo costs, insurance and supplementary pensions
Read TAN, TAEG and PIES, compare insurance limits, and understand the 2026 Italian pension deduction ceiling and ISC costs with Alex.
Read article ↗US: health-plan costs, mortgages, 401(k)s and IRAs
Work through US health-plan exposure, Loan Estimates, employer matching and the IRS’s 2026 401(k) and IRA limits with Nina’s household example.
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The cast and household examples are fictional. Fiscal Nonsense publishes educational explanations, not individual financial, tax or insurance advice. No independent professional review is claimed.