Published on and written by Cyril Jarnias
With a score of 7.62 out of 10 on the World Happiness Report and a near-permanent spot on the podium of the world’s happiest countries, Denmark is fascinating a growing number of potential expatriates. Quality of life, safety, a robust social system, human-scale cities, and the culture of hygge attract tens of thousands of new arrivals each year. But behind the postcard image, settling in Denmark requires meticulous preparation, a solid budget, and a real administrative strategy.
This guide synthesizes the key steps for a long-term move: obtaining visas, finding housing and employment, managing taxation and banking services, accessing the healthcare and education systems, evaluating the cost of living, and advice for cultural integration.
Understanding Today’s Denmark
Denmark has approximately 5.8 million inhabitants, of which a little over 10% are foreigners. In 2022, over 24,000 residence permits were granted for work, 15,700 for studies, and 3,400 for family reunification. The country has an extremely low unemployment rate (around 2.6% in 2024) and an average annual income of about 395,500 DKK</strong (nearly 58,000 USD).
Denmark is considered the most environmentally sustainable country.
On a daily basis, however, one must contend with a high cost of living – the fourth highest in Europe – and a harsh climate: long, grey, windy winters, and short summers averaging around 18°C (64°F). The country is flat, bordered by the North Sea and the Baltic Sea, with numerous highly accessible natural areas (Møns Klint, Wadden Sea, Thy National Park…).
A Statistical Overview: Quality of Life and Costs
The table below provides a general idea of what awaits a single or family expatriate.
| Indicator | Estimate in Denmark (outside Copenhagen) | In Copenhagen (approx.) |
|---|---|---|
| Total population | ~5.8 million | ~615,000 |
| Share of foreigners | ~10.5% | Higher than average |
| Unemployment (2024) | ~2.6% | Slightly lower |
| Average monthly net salary | 2,700 – 3,000 € | ~6,300 € gross median |
| Monthly living cost for a single person (excluding rent) | ~800–1,100 € | ~1,100–1,150 € |
| Monthly living cost for a single person (including rent) | ~2,200–2,500 € | ~2,700–2,750 € |
| Monthly cost for a family of 4 (including rent) | ~5,800 € | ~7,000 € |
These amounts remain estimates: everything depends on lifestyle and the chosen city. A couple with a net monthly income of 38,000 DKK is considered “just getting by” with little room for leisure in Copenhagen.
Where to Live: Overview of Cities and Regions
Denmark concentrates its opportunities in a few major urban centers but also offers more affordable alternatives in the regions.
Copenhagen: Expensive but Ultra-Attractive Capital
Copenhagen is the largest city in the country. Modern, green, and highly bikeable, it combines a dynamic job market, a rich cultural scene, parks, and a relaxed atmosphere. It is also the most expensive city.
Rents for a one-bedroom apartment in the city center often range between 1,075 and 1,810 € per month, and between 834 and 1,223 € outside the center. Basic utilities (electricity, heating, water, garbage) for a standard 85 m² apartment run around 152 to 201 €, with about 215 USD mentioned as an average.
The following table illustrates the typical rent ranges by type and location.
| Type of housing (monthly) | Copenhagen City Center | Outside Copenhagen City Center |
|---|---|---|
| 1 bedroom | 1,075 – 1,810 € | 834 – 1,223 € |
| 3 bedrooms | 1,907 – 2,991 € | 1,443 – 2,075 € |
Sought-after neighborhoods are varied: Indre By (historic center), Østerbro (family-friendly), Vesterbro (trendy), Christianshavn (canals), Nordhavn (new waterfront district), or Valby. More affordable areas exist, such as Amager, Tingbjerg, Brønshøj, Husum, or Bispebjerg.
Aarhus: Second City, Student Vibe and Tech
Founded by the Vikings, Aarhus is the second-largest city in the country and a major university hub (over 30,000 students). It offers a good compromise between cultural dynamism (ARoS museum, Aarhus Festival, Den Gamle By open-air museum) and a manageable size.
The average purchase price per square meter in the city center is about 6,280 €.
Odense: H.C. Andersen’s City and Robotics
The third-largest city in the country on the island of Funen, Odense, birthplace of Hans Christian Andersen, is undergoing a major transformation with a vast redevelopment project worth 30 billion kroner. The city has about 200,000 inhabitants from over 155 nationalities.
It is strongly positioning itself in robotics and health innovation. Rents for a 1-bedroom apartment are typically between 6,500 and 9,000 DKK (130–180 DKK/m²), with a cost of living lower than Copenhagen.
Aalborg, Esbjerg, Vejle and Other Key Cities
Aalborg, a major university city in northern Jutland, excels in engineering, telecoms, IT, and sustainable energy. It is home to over 9,500 companies and major events like Scandinavia’s largest carnival. It’s also one of the most affordable major cities: a 1-bedroom apartment downtown is around 790 €, a 3-bedroom around 1,500 €.
Esbjerg is Denmark’s fifth-largest city and a major strategic port for the oil, gas, and especially offshore wind sectors, with nearly 250 energy companies. The Wadden Sea National Park, a UNESCO World Heritage Site, is immediately adjacent.
Other cities offer a good value for money: Vejle (technology, sustainable architecture, nightlife), Roskilde (UNESCO cathedral, world-famous festival), Herning (commerce and textiles, important business hub), or smaller cities like Silkeborg (nature and green tech), Sønderborg, Horsens, or Randers.
For a tighter budget, regions like Southern Zealand, Langeland, Lolland, and Falster are significantly more affordable, at the cost of fewer skilled jobs and services.
Housing Focus: Rent Levels by City
This table summarizes some general ranges for a 1–2 bedroom apartment.
| City / size | Typical Monthly Rent (DKK) | Indicative Price per m² (DKK) |
|---|---|---|
| Copenhagen (1–2 bed.) | 9,500 – 14,000 | 175 – 250 |
| Aarhus (1–2 bed.) | 8,000 – 11,500 | 150 – 210 |
| Odense (1–2 bed.) | 6,500 – 9,000 | 130 – 180 |
| Aalborg (1–2 bed.) | 6,000 – 8,500 | 120 – 160 |
| Small towns | 4,500 – 7,000 | 90 – 140 |
In Copenhagen, it’s hard to find a 1-bedroom apartment for less than 5,800 DKK, and in central Aarhus for less than 4,500 DKK.
Visas, Permits, and Entry Formalities
The status you will need depends on your nationality, the duration, and the purpose of your stay.
Nordic, European, and Swiss Citizens
Citizens of Nordic countries (Sweden, Norway, Finland, Iceland) can live, work, and study in Denmark without a visa or permit, using only identity documents.
Citizens of the EU, EEA, and Switzerland can move and work without a visa, but for a stay exceeding three months, they must obtain a residence document (EU certificate) from the authorities, a prerequisite for obtaining the CPR number.
Non-EU/EEA Nationals
For non-Europeans, the process is more cumbersome. For a stay of less than 90 days (tourism or business), many nationalities – including Americans – do not need a visa to enter (Schengen 90/180-day rule). However, this short stay does not authorize employment or long-term settlement.
A permit is generally essential to live and work in Denmark. It must be applied for before arrival from the Danish Agency for International Recruitment and Integration (SIRI). Different schemes exist depending on the applicant’s profile.
– Pay Limit Scheme: for employees with a well-paid job offer. The required minimum annual salary exceeds 400,000 DKK (the cited threshold is around 448,000 DKK, some recent schemes mention over 500,000 DKK).
– Positive List: for occupations in shortage (healthcare, IT, engineering, teaching…).
– Fast-Track Scheme: for highly qualified profiles recruited by certified companies, with accelerated processing (possible within ten days).
– Start-Up Denmark: for entrepreneurs with an innovative project validated by the Danish Business Authority.
– Student Permit: for studying at a Danish institution, with the right to work part-time.
Processing times can be up to ten months for some family reunification cases.
Towards Permanent Residence and Citizenship
Permanent residence is generally accessible after eight years of legal residence, sometimes four years for certain highly integrated profiles (e.g., with a confirmed level of Danish passing the PD3 exam and stable employment). EU citizens can apply for a permanent right of residence after five years.
Conditions include age (over 18), proficiency in Danish (at least Prøve i Dansk 2 for some schemes), employment, no serious criminal record or public debt, and sometimes specific work duration requirements.
Access to citizenship is even more restricted: in 2022, only 1,400 new citizens obtained it, the lowest level in 40 years.
CPR, Taxation, and the Danish System: The Basics to Know
In Denmark, you can’t get far without understanding a few acronyms: CPR, AM-bidrag, Skattestyrelsen, NemKonto, MitID…
The CPR Number, the Keystone of Integration
The CPR (Central Person Register) is the 10-digit personal identification number. It is essential for:
– accessing public healthcare,
– opening a bank account,
– signing a lease,
– obtaining a telecom subscription,
– working and paying taxes.
To obtain it, you need a valid residence permit (if applicable), a fixed address in Denmark, and to register at a Citizen Service Center (Borgerservice). Registration triggers the issuance of the yellow health card (Sundhedskort), which displays your CPR, address, and the name of your assigned general practitioner.
Taxation: A High-Tax Country… But with Strong Services
The Danish tax system combines several layers:
Overview of main taxes and duties in Denmark, with applicable rates.
8% deducted from income.
Low rate: 12.01% on personal income plus positive capital income. A high rate (top tax) of 7.5% applies to income above 845,543 DKK of taxable income.
An additional levy of 5% on income above 2,818,152 DKK of taxable income.
On average around 25%, this rate varies by municipality of residence.
Approximately 0.64% for members of the Danish National Church. This contribution is voluntary.
Standard rate of 25% on most goods and services.
The overall marginal tax rate can approach 57% (and technically up to 60.5% excluding certain contributions), although the actual effective rate is often lower due to deductions.
For capital gains and stock dividends, specific rates apply (27% up to a certain dividend threshold, then 42% beyond it, for example). Denmark does not have wealth tax but does tax the value of real estate and capital gains.
Special Tax Regime for Highly Skilled Expatriates
The country offers an attractive scheme for researchers and highly qualified executives. Under certain conditions, they can benefit from a flat tax rate of 27% on their gross salary (32.84% including the AM-bidrag) for up to 84 months (7 years).
Eligibility requires, among other things:
– being employed by a Danish company or a foreign entity with a permanent establishment in Denmark,
– receiving a guaranteed minimum salary (approximately 65,400 DKK monthly by 2026),
– not having been taxable in Denmark (resident or non-resident) in the ten preceding years,
– being considered a key employee or researcher.
This rate applies to cash salary and certain benefits (company car, phone, health insurance…). No deductions are allowed on this portion, and once the 7 years are up, one transitions to the standard tax regime.
Cost of Living: Plan a Realistic Budget
Beyond rent, daily life in Denmark weighs on the wallet.
Basic goods are expensive: a gallon of milk is around 7.50 USD, a standard loaf of white bread costs 2.85 USD. At a restaurant, a simple meal often costs between 10 and 20 €, and a three-course dinner for two people is around 70 to 100 €, with a pint of beer at 5.50–8 € and a cappuccino at 4–5.50 €.
Public transport, while efficient, represents a significant expense: a single ticket costs between 3.20 € and 4.80 €, and a monthly pass between 60 € and 80 €. For easier travel, the prepaid Rejsekort card is a practical solution. Visitors can also opt for tourist passes like the Copenhagen Card, which includes transport access and entry to many museums.
Energy, in a cold and windy country, also represents a significant budget. For an 85 m² apartment, expect to pay 152 to 201 € per month for utilities (heating, electricity, water, waste), and around 34 € and up for an internet connection.
Examples of Baskets and Recurring Expenses
| Expense Item (monthly) | Single Person | Couple | Family of 4 (estimates) |
|---|---|---|---|
| Grocery shopping | 250–400 € | 500–800 € | 800–1,200 € |
| Transport pass (Copenhagen) | 60–80 € | 120–160 € | 180–240 € |
| Energy + water (85 m²) | 152–201 € | Same | Same, possibly more |
| Internet | 34–50 € | Same | Same |
| Gym membership | 20–70 € | 40–140 € | Variable |
To keep costs down, many residents turn to discount supermarkets (Netto, Rema 1000, Fakta, Lidl), follow sales via apps (eTilbudsavis, Too Good To Go), and prioritize cycling or public transport.
Finding Housing: Tight Market, High Deposits
Apartment hunting is one of the biggest challenges for a newcomer, especially in Copenhagen and Aarhus where vacancy rates are low. The high rental season is in late summer, with the massive arrival of students; winter is sometimes slightly less competitive.
Danes largely rely on their networks to find housing. Expatriates must rather use online platforms (BoligPortal, Lejebolig, Akutbolig, DBA…), Facebook, or Copenhagen-specific services. Most listings are in Danish, contracts are too.
Rentals are usually unfurnished, but kitchens are rarely completely empty: a stove, oven, and refrigerator are often provided, sometimes a washing machine or dishwasher.
Entry Costs Not to Underestimate
Landlords almost systematically require:
– a security deposit equivalent to 3 months’ rent,
– an advance payment of up to 3 months’ rent,
– plus the first month’s rent.
For an apartment with 10,000 DKK rent, the deposit and advances can amount to up to 70,000 DKK.
Return of the deposit can take 1 to 3 months after moving out, and landlords often deduct amounts for painting and refurbishment. Hence the importance of thoroughly documenting the move-in condition (photos, indflytningsrapport report) and ensuring a formal report is established: in its absence, the landlord loses the right to withhold the deposit for damages.
Tenant Rights and Preventing Scams
Danish rental law is rather protective of tenants: regulated rent increases, obligation for reasonable notice for apartment visits, possibility of recourse to a rent control board. In buildings constructed before 1992, a legal ceiling on rent per m² exists, theoretically, and can be challenged in court in case of abuse.
Housing scams exist, particularly online and in large cities. Be vigilant for common warning signs.
– landlord abroad impossible to meet,
– request for payment via a foreign account or a platform like “Airbnb” outside official channels,
– rent significantly lower than usual prices in the neighborhood,
– inability to visit the property,
– vague contract, lack of a Danish version.
The basic rule is to never transfer money before seeing the apartment and signing a proper contract, and to be wary of offers that seem too good to be true.
Working in Denmark: Thriving Job Market, Very Balanced Culture
Denmark has a low unemployment rate and a generally strong job market, especially in IT, engineering, healthcare, education, finance, and life sciences. Groups like LEGO, Novo Nordisk, Carlsberg, Mærsk, or L’Oréal employ many international talents there.
Working Conditions and Corporate Culture
The standard week is 37 hours, with five weeks of paid vacation guaranteed for all. Hierarchies are flat, communication is direct, and the atmosphere is collaborative. Punctuality is non-negotiable and family time is sacred.
The Danish “flexicurity” model combines relative ease of dismissal for employers with a generous unemployment benefit system and strong support for professional retraining. For expatriates, this usually translates into strong respect for work-life balance. However, recruitment processes can be long and demanding, especially for candidates who do not master the Danish language.
Salaries are high compared to many countries, with a national median monthly salary around 5,320 € and about 6,300 € in Copenhagen. There is no national legal minimum wage, but collective bargaining agreements set floors in each sector.
Job Search: Essential Resources
For foreign candidates, the main platforms to explore are:
– Work in Denmark (official website),
– English Jobs Denmark,
– Jobs in English,
– major generalist portals (Jobindex.dk),
– LinkedIn for networking.
English-speaking positions are concentrated in finance, hospitality, tourism, some NGOs, large international companies, or tech. To access the public sector and the majority of public-sector jobs, Danish is almost essential.
Healthcare System: Free for Residents, But Need to Know How It Works
The Danish healthcare system is often cited as an example: universal, primarily tax-funded, decentralized across five large regions. About 90% of Danes report being satisfied with the care received.
Access and Operation
To benefit from public healthcare, you must:
1. be a legal resident and registered (CPR), 2. receive your yellow health card (Sundhedskort), 3. choose or accept an assigned general practitioner (scheme “Group 1”, adopted by ~98% of the population).
Consultations with the GP, hospital care, and most emergencies are free at the point of use. The GP acts as a “gatekeeper”: they refer you to specialists and hospitals, except for certain services (dentists, ophthalmologists, ENT, in some cases).
Wait times for non-urgent care are often long, averaging 60 days to see a specialist. Nearly one in five patients even waits more than three months. However, if the waiting list exceeds 30 days, the patient gains an extended right to choose another facility, including in the private sector.
What Is Partially or Not Covered
The public system does not fully cover:
– dental care for adults,
– a portion of prescription medications,
– optometry (glasses, contact lenses),
– physiotherapy, chiropractic, some psychotherapy,
– non-medical cosmetic procedures.
Over 40% of the Danish population has coverage with Sygeforsikringen ‘danmark’ to reduce out-of-pocket expenses.
For expatriates, international insurers like Allianz Care, Cigna Global, GeoBlue, William Russell or others can supplement the public coverage, especially during the first weeks without a CPR or for specific needs (repatriation, care outside Europe).
Emergencies and Pharmacies
In case of emergency, the universal number is 112 (ambulance, police, fire department), with operators capable of handling calls in English. Outside regular clinic hours, an on-call doctor service (lægevagt) takes over.
Pharmacies (apotek) are widespread, with an on-call system for nights. Medications are strictly regulated: many products sold over-the-counter elsewhere require a prescription in Denmark.
Schooling and Studies: Public and International Options
Danish public school is free from ages 6 to 16 (Folkeskole, grades 0 to 9), with an optional 10th grade. School days are long (8 am to 3 pm on average) and the system emphasizes equality, cooperation, and well-being.
Approximately 15% of students attend private or international schools, often state-subsidized, which keeps tuition fees lower than elsewhere for this type of education.
International and Bilingual Schools
For expatriate families seeking education in English, French, German, or an international curriculum, the offer is extensive in Copenhagen and present in most major cities (Aarhus, Odense, Aalborg, Esbjerg, Sønderborg, etc.).
You’ll find programs such as:
– International Baccalaureate (PYP, MYP, DP),
– Cambridge / IGCSE / A-Levels,
– French Baccalauréat,
– German curriculum,
– European Baccalaureate.
All international schools must integrate at least two hours of Danish per week and align the level at the end of compulsory schooling with Danish grades 9 or 10.
Realistic annual budget range for a fee-paying international school, in US dollars.
Higher Education
Danish universities offer over 600 programs in English, with recognized institutions like the University of Copenhagen, DTU, Aarhus University, Aalborg University, or Copenhagen Business School.
Higher education is free for EU/EEA citizens and permanent residents. For others, tuition fees range from about 6,000 to 20,000 € per year. Danish or equivalent students can benefit from state grants (SU) of up to about 914 € per month if they live independently.
Opening a Bank Account and Managing Your Money
The Danish banking sector is solid, but highly regulated and sometimes not very accommodating to non-residents. The currency is the Danish krone (DKK) and the standard payment method is the local debit card, the Dankort.
Prerequisites: CPR, Address, MitID
To open a standard current account, most banks require:
– a CPR number,
– a certified Danish address (rental contract, recent bill),
– a valid passport (sometimes certified),
– and sometimes an employment contract or university enrollment confirmation.
After creating your account, you’ll need to set up a secure digital ID (MitID) to handle online tasks, like tax filing. You must also designate a NemKonto, the bank account where the Danish state will deposit all your reimbursements and benefits (grants, unemployment benefits, child allowances, tax refunds, etc.).
Traditional banks (Danske Bank, Nordea, etc.) often charge account maintenance fees and card fees. Some even apply negative interest rates on large account balances.
To sometimes bypass the cumbersome account opening process or facilitate international transfers, solutions like Wise (multi-currency), N26 (mobile bank with a European license), or certain online players can be useful – while keeping in mind that many employers require a Danish account for salaries and that the NemKonto remains essential for dealings with authorities.
Language, Culture, and Integration: Beyond the “Hygge” Cliché
While 86% of Danes speak English, Danish remains the language of daily life, work, and administrative matters. Language proficiency may not be critical for an initial role in a large multinational, but it quickly becomes essential for career advancement, expanding your network, and feeling at home.
Learning Danish: A Worthwhile Investment
Danish is reputed to be difficult for foreigners: particular grammar, numerous contractions, “swallowed” sounds. To encourage learning, the state funds up to five years of free courses for new residents, provided you have a CPR number and place a refundable deposit of around 2,000 DKK. The program is structured in modules with an exam at each level.
Number of years required for access to permanent residence in Denmark after passing the PD3, instead of 8 years.
Municipalities work with language schools like SPEAK, UCplus, Studieskolen, and many online platforms (Duolingo, Babbel, italki, etc.) allow you to supplement the courses.
Janteloven, Hygge, and Social Relations
Two cultural concepts constantly recur:
‘Hygge’ refers to the pursuit of comfort and simple conviviality, through cozy moments like lighting candles, sharing coffee in a cozy interior, or spending time with loved ones. ‘Janteloven’ is an informal social law that values humility, discourages ostentation, and reminds one not to think they are better than others.
Danes are reputed to be warm but reserved. Friend circles form early, intimacy is important, and social life is less oriented towards grand gestures than in other cultures. An international survey even ranked Danes among the most difficult people to befriend.
To break this barrier, it’s advisable to get involved in sports clubs, associations, expatriate Facebook groups, local events, or programs like “Friends Show the Way,” which connects newcomers with local volunteers.
In Practice: Tips for a Successful Move
Arriving in Denmark unprepared is the best way to hit the reality head-on: a tight housing market, high cost of living, strict administrative procedures, and dark winters. Here are some pointers to avoid the most common pitfalls.
Prepare the Ground Before Arrival
– Clarify the basis of your stay: work permit, family reunification, studies… Each status implies a different administrative path.
– Start your housing search very early: several months in advance if possible, considering a temporary furnished solution (Airbnb, shared housing, short-term residence) for the first weeks.
– Build a safety fund: between security deposits, furniture, visa fees, and waiting for the first salary, having several months’ worth of expenses in reserve prevents a lot of stress.
– Choose a city based on your sector and budget: Copenhagen concentrates opportunities, but also costs. Cities like Aarhus, Odense, Aalborg, or even smaller towns in Jutland can offer better financial margins.
The First Weeks on the Ground
Key steps to accomplish quickly:
Checklist of key formalities to complete to settle and live in Denmark.
Register with the Borgerservice (or International Citizen Service in major cities) to obtain your CPR number, essential for daily life.
Request the yellow health card (sundhedskort) and choose a general practitioner (egen læge) to access care.
Open a Danish bank account and designate it as your NemKonto, the official account for all financial communications with authorities.
Enroll in Danish classes (danskundervisning) for a long-term stay, to facilitate integration.
Set up energy (electricity, heating), internet, and mobile phone contracts for your home.
Newcomers should keep a written record of everything: contracts, email exchanges, tax summaries, proof of presence, etc.
Common Mistakes to Avoid
Expatriate experiences converge on a series of frequent missteps:
For a successful expatriation to Denmark, it is crucial to anticipate several aspects. First, do not underestimate visa and permit complexity: arriving with just a tourist visa thinking you’ll “sort it out on the spot” often leads to shortened stays. Second, don’t take the cost of living lightly: without recalibrating your budget, the reality of prices (rent, food, transport) can quickly become destabilizing. Third, don’t postpone learning Danish for “later”: those who start early integrate better, find local jobs more easily, and feel less isolated. Fourth, don’t neglect tax obligations: Denmark has a highly structured tax administration, and dual residencies (e.g., for Americans) require careful attention to tax treaties, US filings (Form 1040, FBAR, FATCA…), etc. Finally, anticipate the impact of climate and winter: very short days and often grey weather can affect morale. Planning indoor activities, a social life, and sports helps keep you on track.
Should You Take the Plunge?
Moving to Denmark means betting on a country where safety, the quality of public services, the priority given to free time, and environmental concern are real. The social system works, healthcare and education are accessible, work-life balance is more than a slogan.
In return, you must accept:
– high tax pressure,
– a significant cost of living,
– sometimes rigorous formalities, especially for non-Europeans,
– a climate that tests morale,
– a more reserved social culture than it appears at first glance.
For those who take the time to prepare, who anticipate their budget, who seriously study the procedures, and who commit to learning the language and discovering the local culture, Denmark can offer what many seek without finding elsewhere: a relatively safe daily life, a rather egalitarian society, and a real space left for life outside of work.
Advice for future expatriates
It is this combination – demanding but rewarding – that explains why year after year, despite its costs and weather, Denmark remains at the top of happiness rankings, and why more and more expatriates choose to settle there for good.
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Cyril Jarnias is an independent expert in international wealth management with over 20 years of experience. As an expatriate himself, he is dedicated to helping individuals and business leaders build, protect, and pass on their wealth with complete peace of mind.
On his website, cyriljarnias.com, he shares his expertise on international real estate, offshore company formation, and expatriation.
Thanks to his expertise, he offers sound advice to optimize his clients' wealth management. Cyril Jarnias is also recognized for his appearances in many prestigious media outlets such as BFM Business, les Français de l’étranger, Le Figaro, Les Echos, and Mieux vivre votre argent, where he shares his knowledge and know-how in wealth management.
