Austrian Chancellor Christian Stocker proposed a new savings model called 'Zukunftsdepot' that allows parents to invest tax-free in securities for their children until they reach adulthood. ^[1] Financial experts suggest that millennials should invest 10% of salary raises immediately before they become accustomed to spending the additional income. ^[2] Alexander Hahn suggests a more consistent solution would be to extend the tax-free model to all citizens with a holding period and appropriate tax allowances, rather than limiting it to minors. ^[3] Commentator Alexander Hahn argues that while the plan is a step in the right direction, it is flawed because it excludes adults from the tax-free benefits available to children. ^[4] The 'Zukunftsdepot' plan offers a tax exemption on earnings up to 5,000 euros annually, which is approximately 417 euros per month. ^[5] If a salary increases from 7,000 lei to 8,000 lei, directing 10% to investments means setting aside 800 lei monthly, which totals 48,000 lei over five years. ^[6] Investing 800 lei monthly for five years at a hypothetical 7% annual return could result in a portfolio value of approximately 57,300 lei. ^[7] The article states that holding 48,000 lei in a cash account over five years results in a loss of purchasing power due to an average annual inflation rate of 4%. ^[8]