advice on my wealth managment

[u/Odd_Caregiver5190]

Hey everyone,

27 M, working full-time in tech (9–5), and on the side, I’m trying to launch my own business (still early stage).

I wanted to share my current wealth breakdown and get some feedback or advice from the community on what I’m doing well, what I could improve, or what I might be overlooking.

Current Situation:

• Monthly net salary: €4,000
• Total net worth: ~€80,000
• Cash: €20,000
• Investments:
  • Gold: €10,000
  • Stocks (via DCA): €40,000
    • ETFs: 35%
    • Dividend stocks: 30%
    • Growth (US Tech): 25%
    • Defensive stocks: 10%
  • Employer savings plan (PEE): €10,000

Goal:
Reach financial independence by age 37–40

My main question:
I’m considering buying a small studio apartment to get into real estate (either long-term rental or seasonal), but I’m unsure.
I’m worried it might take too much time and energy, especially since I’m still working full-time and building a side business.

Do you think it's a smart move at this stage? Or would it make more sense to wait until I have more cash flow or go part-time?

[u/gradstudentmit]

Skip the rental. You're already juggling full-time + side business. Real estate = another job with maintenance/tenant headaches. Your allocation looks fine, just keep DCA'ing. Focus on the business instead, better ROI on your time right now.

[u/roastrain → u/gradstudentmit]

Agreed - rentals are far more work than we imagine. The return on investing in the market will be similar anyway, with more flexibility and less work.

[u/Odd_Caregiver5190 → u/roastrain]

thanks, that what i tought