<prompt> Human: I am over 30 and finishing my Masters early next year and have a contract signed. Yes, Im late because I did something else before that did not work out with having a family. My wife has a job working shifts that we keep down as much as we can afford because we have a kid whos under three. That much is on the have-side. There is some debt from my studies, from buying a car the old piece of garbage was wrecked - with me in it but Im fine and not at fault, but obviously insurance outcome is not nearly enough for a new one and necessary bigger household appliances. With my wife working some additional hours and me doing my future job weve prospected that we might break even some time in 2016 and write black marks in our net worth. We figured with realistic numbers about inflation, earning increases and desired standard of living one more car, vacation once a year, otherwise sticking to our inflation-corrected budget plus one big trip or investment in luxury of 7500 will net us about 30.000 Euros in the bank in ten years time. That goes for a situation without income failures or unexpected expenses, so the true sum can go down.With me being down to almost zero on my reserves for old age and virtually no pension coming in from the government at old age, I need to figure out what to do about our combined financial future. It was hard work getting that degree and the job, and I was surprised at how little is left after ten years of - to my standards - moderate spending and careful planning. Today the news about Greece made headlines - the Euro crisis might blow up worse than ever with new elections of a government steering for credit default. I am worried that I am putting in a lot of hard work and more importantly time away from my family to earn money that might be worthless in the wake of said crisis. Is this crisis as serious as I perceive it? What can I do to secure at least part of the earnings that will accumulate in the years after the break-even?We live for rent and buying a house is a financially out of the question unless we pay horrendous sums in interest and b would tie us down locally while we may have to look around for jobs if need be. Maybe I just need a few words to comfort my fears. It worries me seeing a future threatened that we started building up more than five years ago and that will continue to consume a lot of resources.  <response>: Going forward as your new job provides you with income, you could look into investing in non-eurozone companies and economies to help diversify Eurozone risk. As a German citizen you have no control over the situation... you can only control your own budget and investing strategy. So control the things you can control such as staying out of debt, save a significant percentage of your income, seek other forms of income rental, second-job, etc and diversify your investments globally would be what I would recommend.But I agree with ukhannie, there doesnt seem to be any point in panicking. Instead, spend your energy to educate yourself on investment strategies, learn more about how to invest intelligently and above all work hard and succeed in your new career. 