About us

Behind Three Coins stands a team of experts from the fields of economy, pedagogics, project management, training and behavioural science. The joint goal: To convey financial literacy to as many people as possible in a practical and impactful way together with the public hand, NGOs and private organisations.

Goran Maric, BSc (WU)

(he/him)

Managing Director

Personal rule of thumb

„The ultimate formula for spending money: half of my money is for things I need, a third for things I want, and the rest I save or invest.”

Mag.^a Lena Gugenberger, MBA

(she/her)

Head of Operations

Personal rule of thumb

I always have at least three monthly salaries at the side – so I can sleep peacefully.

Arian Hartwig, MA

(he/him)

Project Management

Personal rule of thumb

New mobile phone? Sleep on it for a night first! I take time to compare prices and set price alarms, so I get a feeling for what certain things are worth to me personally.

Zsofia Darai, MA

(she/her)

Project Management

Personal rule of thumb

The first expense of the month is for myself. When I receive my salary, I immediately put some of it aside. With the help of a standing order to a separate savings account, I no longer have to think about it.

Linda Ohliger, MA

(she/her)

Project Assistant

Personal rule of thumb

„Knowledge is power: whoever knows the rules of the game plays better. Banks, advertising, and companies have their tricks — I educate myself so that I can make my own financial decisions.”

Natalie Denk, MA

(she/her)

Project Management

Personal rule of thumb

“Before I make a major financial decision, I take a mental ‘time travel’ into the future. I ask myself how this step could affect my life and what value it might have for me—both in the short term and the long term.”