| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | attitude towards savings | Germany | Cultural norm to prioritize saving and financial security, often with a focus on meticulous planning and frugality. | 1 |
| 2 | cash savings | Germany | Preference for saving in government-regulated savings accounts or investment portfolios rather than keeping cash on hand | 1 |
| 3 | invest money or energy | Germany | Investing money in stocks or real estate is common and considered a smart financial move. | 1 |
| 4 | personal savings | Germany | Strong cultural value placed on saving for the future, with a preference for conservative and secure investment options | 1 |
| 5 | saving money | Germany | Encouraged and valued as a responsible financial practice | 1 |
| 6 | savings | Germany | High importance placed on saving money for future security | 1 |