Leading essay · Issue 2027

When in doubt, just begin.

What remains when everything changes? An almanac for 2027: on money that keeps us up at night, machines that write, and people who begin anyway.

Sascha Schulz smiling into the camera, dark tortoiseshell glasses, pink backdrop
Sascha Schulz · Writer and photographer. Curious, precise, unafraid of what comes next.

Contents

Six chapters, one issue. Every text to read, to hear, and as a song. In English and German.

  1. IFutureNo forecasts. Scenarios you can get up for in the morning.
  2. IIMoneyFinancial health, worldwide. Money worries are not a private matter.
  3. IIIAITool, mirror, imposition. What machines can do, and why they still need us.
  4. IVChangeLost job, new start, second half. Notes for everyone standing in between.
  5. VCultureHow we live together while old certainties take a break.
  6. VIDesignForm is an attitude. On things that are well made, and why we feel it.
Sascha Schulz holds an orange smartphone from which gold coins pour into a glass measuring jug
Chapter II · Money

How vulnerable are we?

Around the world, region by region, and in three focus countries: how many people could not cope with an unexpected bill.

World44%

of adults in low and middle income economies find it difficult or impossible to raise emergency money within 30 days.

World Bank, Global Findex 2025 (survey 2024): 56% financially resilient. Low and middle income economies only.

Sub-Saharan Africa59%

would struggle to find emergency money within 30 days.

Global Findex 2025: 41.3% resilient.

South Asia69%

would struggle to find emergency money within 30 days.

Global Findex 2025: 31.4% resilient.

East Asia & Pacific23%

would struggle to find emergency money within 30 days.

Global Findex 2025: 77.5% resilient.

Europe & Central Asia36%

would struggle to find emergency money within 30 days.

Global Findex 2025: 64.0% resilient.

Latin America & Caribbean45%

would struggle to find emergency money within 30 days.

Global Findex 2025: 54.6% resilient.

Middle East & North Africa40%

would struggle to find emergency money within 30 days.

Global Findex 2025: 60.1% resilient.

Germany32%

cannot pay an unexpected bill of about 1,300 euros from their own money.

Destatis, EU-SILC 2025 (11 May 2026): 31.9%. EU average 29.2%.

USA37%

would not cover a 400 dollar emergency with cash or its equivalent.

Federal Reserve, Economic Well-Being of U.S. Households in 2025 (May 2026).

Japan30%

of single households hold no financial assets at all. Families: 15.7%.

J-FLEC, household finance survey 2025 (December 2025): 30.1%.

Measures differ by source and are not directly comparable. The World Bank did not survey high-income countries on this in 2024, so North America, Western Europe and Oceania appear through Germany, the USA and Japan.

Sascha Schulz in a patterned shirt against a dark backdrop

The author

Not finished yet.

A school scholarship at IBM at eleven, long before the internet was a word. A city magazine of his own before his final exams. Later direct marketing for Microsoft, Quelle and Condé Nast, and in 1996 one of Germany’s first digital agencies.

Today Sascha Schulz writes about what comes next: a future you can live with, money without shame, machines and the people beside them. Two passions have stayed: writing and photography.

A private project. Nothing is for sale here.

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