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Commence Maintenant: Parce que personne ne construira ta sécurité à ta place
Paperback
Publisher: Shegrows
Published: May 29 2026
Pages: 176
Weight: 0.49
Height: 0.44 Width: 6.00 Depth: 9.00
Language: French
En Suisse, les femmes perçoivent en moyenne une rente de vieillesse inférieure de 37 % à celle des hommes. Près d'une femme active sur deux travaille à temps partiel. Quatre mariages sur dix se terminent par un divorce, et après une séparation, le niveau de vie des femmes chute deux à trois fois plus que celui des hommes.
Christelle Donhossou connaissait ces chiffres. Elle est responsable des risques d'investissement dans la banque privée internationale, basée à Genève, et titulaire de deux Masters en finance. Elle a passé près de vingt ans à protéger l'argent des autres.
Et pourtant, Ã quarante ans, elle a tout perdu.
Commence maintenant est le récit de cet effondrement - et de la reconstruction qui a suivi. Une professionnelle de la finance qui découvre, derrière la façade d'un mariage à Genève, des années de mensonges, de pertes silencieuses, et de violence financière qu'elle n'avait pas vue venir. Un livre sur la maternité, le couple, le travail à temps partiel, la délégation silencieuse, le deuxième pilier, le régime matrimonial, et tous les mécanismes qui font qu'une femme, même brillante, même bien rémunérée, peut se retrouver à zéro.
Mais ce n'est pas seulement un témoignage. C'est aussi un manuel. À la fin de chaque chapitre, des règles concrètes et des actions à appliquer dès cette semaine - quarante-sept règles au total, fondées sur les mécanismes réels du système suisse et européen: LPP, AVS, troisième pilier, régime matrimonial, responsabilité fiscale conjointe, écart de retraite, coût réel du temps partiel. Avec des sources vérifiables: OFAS, OFS, BFH, Eurostat, INSEE, OCDE.
Ce que ce livre propose:
- Comprendre pourquoi tant de femmes intelligentes, diplômées et indépendantes finissent financièrement vulnérables - sans l'avoir vu venir - Identifier les mécanismes silencieux qui s'installent dans un couple, dans une carrière, dans une maternité - Reconstruire dans le bon ordre: bilan, dettes, épargne de précaution, investissement - Apprendre à se payer en premier, à investir au-dessus de l'inflation, à transmettre une conscience financière à ses enfants
Un livre pour les femmes qui veulent comprendre - pas par peur, mais par lucidité. Pour celles qui traversent une crise, qui sortent d'une séparation, qui n'ont jamais investi, qui ont délégué pendant trop longtemps, ou qui veulent simplement ne plus jamais être absentes de leurs propres décisions financières.
Parce que personne ne construira ta sécurité à ta place.
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