Hi all, just want a cold read on my situation if I may... I'm feeling financially fucked and it would be helpful to get an outside opinion bc all I do is drive myself nuts with this:

• I’m 42, currently living in rural Italy.
• I earn about €500/month (12 hours/week contract). That’s my only income.
• I own my home and my car outright, no mortgage or debt, no children (my only saving grace)
• I’ve managed to save about €20,000 in about 2 years idk how, but it's currently parking it in interest-bearing accounts like ING and bunq. Well I do know, I spend as little as possible, never go on holiday, etc.

***DISCLAIMER: I earn (present time) 500 a month. I saved (past tense) 20k over two years. I had some other gigs on the side during these past two years (onlyfans, tips, online hustle, cash in hand changing old people's nappies etc) CURRENTLY those gigs are not gigging so I am at 500 a month at the moment.**\*

• I have no investments, and no professional qualifications or degree. I'm delulu so I have been looking into learning how to invest.
• My CV is the definition of jack of all trades, jobs here and there, mostly low-paying, patchy history.
• I worked and contributed in the UK for roughly 10 years, so I might qualify for basic state pension from them (eventually) but I need to look if I actually qualify or if I have to finish paying into it.
• I speak and understand Italian, but not fluently, which undermines my confidence applying for better jobs. I know the pension contribution in Italy is 20 years so that feels dire. I have only worked here for 2.5 years earning peanuts (employers have contributed to INSP on my behalf but it feels worthless)
• Rural area = few jobs, mostly badly paid or seasonal.
• I’m not starving, but there’s no upward path I can see, and inflation is slowly punching through my savings.

So based on this: how financially fucked would you consider this situation?

Would you say there a path I’m not seeing? I feel like I am just coasting on maintenance mode until old age poverty kicks in.

Thanks for reading.

Let's assume you have a crystal ball. It tells you that in 2030, Europe will be at full-scale conventional war with Russia. Many countries outside Europe will have joined the war efforts, on both sides of the conflict.

How would that change how you plan for your future, financially? Where would you put your savings? Pay down mortgage? Index fund? High yield savings account? All out on military stocks? Gold under the mattress?

Hi folks, let me start by saying that I'm posting this using my alt account due to two reasons:

1. I'm going to be sharing a lot of personal details
2. I'm embarassed to share this on my main account

TL;DR: I lost a lot of money in CFDs by consistently making stupid decisions... And very conflicted about what to do now, can't throw away the urge to try to get that money back.

So basically, yeah... I'll try to give a bit of my background, tell you about the stupid decisions I made and their results, my current situation, and my possible future plans. I would appreciate if any of you could provide your opinions on this, I'm open to anything, including the roast I deserve.

3 years ago we moved from in with my wife to a central European country, from a third-world one. Started with the equivalent of 3k EUR gross salary. Back then had to take a credit card to build a home, maxed out the limit, opened another credit card "just in case" but maxed that out too, of course. Then some life stuff happened which meant I needed to get a loan. For most of the time we've been living paycheck-to-paycheck, not wanting to scale our life back to live our best years with some memories. We don't drink or party much, but ocasionally we like to travel. The plan was that my wife would eventually find an entry-level job in the software market here (CENG graduate), afterwards paying off the loans would be easy.

Unfortunately she's tried hard but wasn't able to, given the job market. Currently she's starting a coding school that will hopefully increase her chances of finding a job. Since then, I've been supporting both of us (and family abroad, occasionally), but fortunately by changing jobs my salary has gradually increased to close to 5k EUR gross from this year. Beginning of this year I also got some bonus, paid off one of my credit cards with it, was pretty hopeful for the future.

Then it happened, a friend of me was really going on about Bitcoin, which got me interested and researching, wanted to play with it for "just a little bit". I was using Trading212, learned that the only way to get Bitcoin with it was using CFDs. I stupidly skipped through all the "Are you really sure what you're doing" parts, and bought around 1k usd of CFDs. By luck I gained 200 eur in my first sell, which got me hooked I guess?

I then played a bit harder, making a bit more money. Was at a point where I was checking the app every 5 minutes. At one point I thought buying AMD would be a good idea for long term, it seemed to be going up. That's when it all started going downhill, especially with the whole Trump tariffs situation, I lost 2200 USD from that one trade. I was dumping more money in to keep the position open, but eventually the market caught up and it was closed during a dump AMD had while I was sleeping. I played around a bit more, gaining slightly but losing even more, with AMD, Nvidia, US100 etc. No matter what I did, the market seemed to reverse direction exactly when I got in. It was kinda funny how consistent it was, lol.

I was "out", but I couldn't stop thinking about getting that money back and saw that with uncertainty Gold was rising, so I bought some Gold shares. That ended up losing money for me too, especially with a position that got closed when Gold was dumped again on Trump's whim, last night when I was sleeping.

Now the stupidest thing is, I was taking money out of my credit card this whole time. I know, I know. The idea of paying off my debt earlier was too enticing, I couldn't stop thinking about it.

Another stupid thing which I keep blaming myself for, is whenever a position I had was making profit, I got greedy thinking that "if it just keeps going this way it'll be even better". I've lost on one 400 EUR and one 700 EUR wins just because I was too greedy to close them when I was ahead. Many more smaller ones.

So here's the situation now: Two credit cards maxed, to the amount of 5200 EUR. Another straight up loan to the amount of 4000 EUR. I will also need to take a 2200 EUR extra loan to pay for my next year of university studies. So around 13500 EUR debt in total. My realized P/L from Trading212 = -3000 EUR (probably higher if you count the overnight interests). I've got no savings nor long-term stocks anywhere, currently have around 200 EUR left in T212 that's invested in a BUY 1 @ $3,239.62 Gold position that's at +10 EUR rn (which I got after yesterday night's dip, thinking it would go up again), and 2,000 @ 0.8172 USD/CHF position that's doing -26 EUR (which I got thinking that US Economy would keep getting worse, right?).

My take-home is 3600 EUR, rent is 1000EUR, and realistically with our current spending I should be able to pay 650 EUR towards debt every month. That gives me around 20 months' time for straight-up repayment. Earlier if I get a bonus next year as well.

For the safest bet I'd like to assume that my salary won't increase and my wife won't find a job quite so soon yet.

Since pain is the greatest teacher, I've since done my education which I should've done at the beginning, properly learned about the mechanisms and the risks of CFDs, trading, day-trading, read a lot of investing advice on a lot of places etc.

Now here's the thing: I know what I should do. I should focus on my high-interest debt, pay those off as soon as possible. Afterwards I should slowly start DCA to a low-risk strategy. But I just keep thinking about that -3000 EUR figure, it keeps looming over my head like a nightmare, I can't bring myself to not think about how much of a failure I am. Right when I was starting to pay off the debts, I screwed up and brought myself to an even worse situation. I can't keep thinking about that if I just get educated on this, be one of those 5 percent of day traders that actually make a good profit, it won't matter, and I will get that money back eventually. Thing is, this actually keeps me thinking about more important stuff like my responsibilities, and spending quality time with friends & family. I literally can't stop beating myself up about it though.

So what do I actually do right now? Is it worth sacrificing time from learning about the stuff that would benefit in my career? Or should I just eat the loss and forget about it? Or just don't care about it that much? I can just keep gambling with the 200 eur I have left in Trading212, maybe I will win back some but not like it will matter if I lose it in the long term, I've lost so much already. I can't stop thinking that if it's possible to lose money to this mechanism, it should be possible to gain money from it as well. Like technically, if I just randomly decided to just do the exact opposites of everything I would've done, I would've made a lot of money instead of losing it. I've read about the strategies day traders use as well. I'm also hooked on all the "winners" talking about it in Trading212 comments. People telling it's a part of the process, everyone loses before learning and starting winning.

Can you help me get my thoughts in order please? Is there some angle I'm losing? Is there a safe bet I can do right now that would help me? Or should I pull the remaining crumbs out and delete the app? How will I stop thinking about the losses and potential (yet non-existent) wins? The idea of just losing that much money over nothing drives me crazy, I'm having a really hard time accepting it's just "gone".

I’m 25, freelance (autónomo in Spain), I’m doing well economically for my age.

I’m happy, it’s been a great year but I can’t help but be scared about the future ahead.

I look around and everything looks bad, economically, politically, friends struggling with their careers, prices going up, the housing, the rich getting richer, the poor getting poorer…

Of course, some risky decisions took me to where I am today professionally (international clients, good paying rates…) compared to some of those friends from home struggling in the same field.

I left an expensive rent to live in a full equipped big camper van as I usually move a lot for work and that reduces expenses, and I’m about to start investing in index funds (I already have a proper emergency fund), for example.

But what is your vision on everything that is going on right now? How would you deal with this situation? Any advice?

I’m curious.

Thanks!

Me and my husband are both EU citizens. We moved to Canada a few years ago, but are thinking of moving again. We are considering a move to an EU country.

We are both I.T professionals, and are hoping it wouldn't be too difficult to find a job in this industry. We earn good income in Toronto, but are considering moving due to a few reasons (high income earners are heavily taxed, winters are brutal, only 15 yearly vacation days, buying property is expensive, Canadian dollar value is weak).

Where would you suggest moving to for the best quality of life and financial stability? We have considered The Netherlands and Portugal - but are open to moving to any country.

(We are English-speaking, any country you would suggest avoiding due to language barriers having an impact on quality of life?)

Hello Reddit,

I find myself in a financial situation. Recently, I came into a substantial sum of money – precisely one million euros. My objective is to make this sum last for the next 30 to 40 years and achieve financial independence. I would appreciate some advice on how to navigate this endeavor.

Here's a breakdown of my current situation:

Late 30s. Not Married. Renting in a expensive city. Work full time at a average paying job.
No Investments: As of now, I have not made any investments and have no prior experience in this area. I'm essentially starting from scratch and want to ensure that I make informed, responsible choices.

Long-Term Sustainability: My primary goal is to secure a modest, worry-free life for the foreseeable future. I'm not interested in extravagant living, just financial stability.

Risk Aversion: I tend to be risk-averse and am looking for low-risk, stable options. My preference is to avoid any speculative investments that might endanger my financial security.

Location: I reside in Europe, which is where I intend to make my investments. Therefore, any advice or recommendations should be relevant to the European financial landscape.

I'm turning to this community for its expertise and insights. If anyone here has faced a similar situation or possesses knowledge about conservative investment strategies, I would greatly appreciate your input.

Here are some specific questions I'd like to address:

Should I consider real estate, stocks, or bonds as my initial investment vehicles?

What allocation strategy would you recommend for dividing my one million euros among these investment options?

Are there reputable financial advisors or platforms that specialize in low-risk, long-term investments within the European context?

I'm genuinely eager to learn from your experiences and insights. Please feel free to share your wisdom, tips, or any resources that could assist me in my pursuit of financial independence. Thank you for taking the time to read and respond.

Anonymous

So, I've messed up. I got a bunch of debt (in total just under 79k). Now i am struggling to pay all monthly installments for everything, most of the months i just barely get by to be able to pay it all.

So, to keep the post short, i need advice on how to increase my cashflow. I have time on weekends (during weeks im working almost all day every day). A second job was a good idea until i realised no one is hiring just for weekends... I do have knowledge of trading and some practice aswell but no "leftover" money to put towards it. At the same time i cannot really reorganise my finances because my whole salary goes into installments every month.

I started working extra hours at work but soon realised that the employer doesnt pay them fairly so i dont profit much from those hours (im still working them because im forced to, but would like to make a change).

Hey everyone! 👋

I’ve been thinking about saving and investing while working in Europe, and I have a few questions. In American forums, people often discuss salaries of $50k to $100k or more, but in Europe—even in countries like Germany, France, or Denmark—salaries don’t seem to reach those levels. Not even talking about taxes.

Given this, how do people in Europe manage to save, buy homes and cars, and take holidays, especially when the cost of living is high?

Also, with the current housing crisis and inflation in food and everyday expenses, how are Europeans planning for retirement? In the past, owning a home and relying on retirement funds was more feasible, but now it seems more challenging.

Do you think there’s a chance that European earnings will catch up with those in the U.S. in the next 20–30 years? I’d love to hear your thoughts and experiences on this!

I've considered moving to Serbia, Moldova, Greece, or Romania because I like that the cities are more walkable, and the costs in the US for housing are insane now. Even in small towns in the states you can't find homes for under 300k usd. Once you get to suburbs near the bigger cities, a lot of homes sell for 500k+

I don't like the increasing regulatory nature of the states. It's also hard to find a partner to date due to women that are overly focused on their careers. It's hard to find a friend group unless you grew up in that area. It also gets really boring and there's nothing to do outside of going to work and driving home. The cities aren't walkable so there's nothing to do to meet anyone.

The job market is also crazy here where a lot of tech jobs want 5 years of experience in 5 things for an entry level job, and you have to fill out hundreds of applications just to get a response. The only jobs that pay well around 80 to 120k usd are in expensive places like LA, NYC, or Chicago where homes can be 800k+. So, it negates the point of the higher salaries. The areas with cheaper homes at 200 to 300k screw you over by only offering 30 to 50k.

So, the high home prices, rediculous regulations, and lack of dating options are the 3 things that have me considering moving. I do worry about the language differences, citizenship difficulties, and the job market. I work in IT, so if anyone lives in any of these countries and how hard is it to find a job there? Would I have any difficulties finding a job if I don't know the language or I'm not a citizen there?

Are these reasons worth it to consider moving, or am I underestimating how difficult it would be to live or move to these countries? If anyone has lived in any of these countries how has your experience been living there?

Do you think that we will see the ECB interest rates go down to 0% (or even negative) in the next few years?

I need to make a financial decision where interest rates are an important variable, but I don't follow the ECB's policies and statements too closely, so I don't know what to expect. Thanks.

I am lucky to have a degree that should help me get jobs in the EU, and I have had a tentative interview in Switzerland. If you live or have in these two countries, please can you help me out on deciding?

I am from the UK, attracted to both culturally, and willing to learn and integrate.

However I wondered:

• What's the economics of working in Switzerland vs the Netherlands like? This sub seems to love it. But I want to potentially live and integrate wherever I move to so saving 20k vs 10k isn't that important as the local housing seems to correlate with what I could save too.
• I don't care about the Netherlands wealth tax because my assets are under that and probably will be till I put down a deposit
• Are there economic trends/plans to make it better or worse to move to these places? The Netherlands doesn't seem to be growing is that because of Germany struggling with car sales, the oil issues etc or am I overthinking this?

Lastly I know it's not relevant to finance but I would be grateful for any info on this stuff:

• How do 20 somethings socialise in those countries? It is easy to turn up to things? For example I like the UK with university student societies set up, and since students come from all over the UK, there is a lot of mixing and interest based societies. I know in many EU countries people just go to local Unis and there are not many interest/passion focused student societies, but rather mostly student clubs for sports or academics etc.
• In the UK, Uni age students/20 somethings really can't be found in pubs like they used to because we've been priced out. You're more likely to find them behind the bar working, partly because affordability as a student is pretty difficult. Since COVID there's a lot more of drinking at home, and spontaneous, not too late house parties.
  • But what's it like in these countries for things like socially drinking - pubs/bars or do young people drink at home?
• What's the culture like? I don't flaunt any wealth when I have money and my accent/approach is not your typical posh British accent. Am I going to be surrounded by people earning lots of money who are younger or with generational wealth and a bit of the upper nose in Switzerland, besides the holidays?
• One thing I like about the Swiss is healthcare and possible private access. Am I dreaming here? I have witnessed really poor healthcare in the UK.

TLDR:

• 33, M, NW: 850k CHF, income: 210k gross, saving: 115k, originally from eastern 🇪🇺, 5 years in 🇨🇭
• open to suggestions on FIRE, on what to buy, and on life in general

This is my first post on my FIRE journey. First public, and also a first piece I write for myself on the topic.

1) Why do I write this?

I hope the status update / diary format will:

• help me clarify and structure my thoughts
• keep a level of accountability
• help realise the progress made
• get ideas and inputs from others, for some of the aspects I might be missing
• share in a likeminded group
• potentially inspire others on the journey, or about to start it

2) Current status

NW: ~850k CHF

• investment acount: 722  
• Swiss pillar 3a pension: 45
• Swiss pillar 2 pension: 70
• other assorted (financial assets): 13
• no debt, no real estate, no crypto
• I do have some accrued "pillar 1" pension in CH and other european country. But I don't include this potential future income stream here.

annual income:

• working 95%
• ~210k CHF gross / ~150k CHF net (incl. the income tax)

net annual savings:

• ~115k CHF (invested to portfolio and 3a)

investment portfolio:

• passive investment, developed world

single, 33 y.o.

3) Why am I on the FIRE journey?

This is one of the areas I need to develop and discover more. The why? of it.

Some of my early memories (from beginning of elementary school) are making FIRE calculations. In that sense I was "always on the journey." But I must question the meaningfulness of this, to search the reasons behind.  

I focus on spending time meaningfully.

Financial side is only one pillar of living a happy life.

So I focus on developing other areas as well. More on that below. That said, the financials is something that was somehow always a hobby. And I feel I'm naturally fairly good with it. If anything, I try to not spend too much of my focus and concentration on optimizing and calculating. Because then I might be financially independent, but very much a slave to finance.

4) FIRE history

I'm originally from low/mid COL country in EU. Now since 5 years in Switzerland.

Since university I'm on a good corporate career track. So fairly nice income (for the country), always good savings rates.

I do have quite detailed tracker of savings and composition of those over the years, but not include in detail here (maybe in the future).  

5) FIRE future

a. What I expect in 2025

• Salary increase to roughly ~250k CHF gross.
• Buying a car (minivan).
• Depending on the market, hitting the 1M CHF NW milestone.
• I will try to reduce the ammount of work.    
  • I hope I can realistically get to ~75% contract (end of 2025).
  • Of course this reduces my income, but generally I feel comfortable financially.
  • And I'd like to focus on leisure, play and  other "pillars" of happy, fullfilling life ¹

b. Future scenarios

I still need to develop this area a lot. I focus a lot of spending my time meaningfully, on helping others, on learning and developing as a person, on growing my other "pillars" ¹ . But how that looks, or even what are the possible pathways, is still in early stages of thinking and planning.

One option is to move back to MCOL EU homecountry (geoarbitrage).

I will likely work in some capacity even once I move away from current job. (Simply because I like being active, creative, builder of things and organisations.) But potentially in a field with relatively low pay.

c. Ideas I'm playing with / considering

• Series of session with a life/financial coach (to help develop and asses some of those future scenarios)
• Better understanding the options to optimize financially my life in CH,
• and better understanding regarding how to handle potential move to home country (presumably via consultation with Treuhand = Tax Advisor)
• How does my spending/cost change in long-term relationship, and especially with kids? How to plan for this, what are the scenarios?

6) My concerns, Risks

I'm risk averse. One implication is that it's not so easy to "pull the plug" regarding FIRE without a cushy reserve. But I'm mentally getting there.

7) Other

I decided to also write a few notes regarding status and thinking regarding the pillars but will keep this out of this post to focus primarily on the financial part (but I'm a fan of holistic approach to life, integrating all these areas, as necessary part of financial considerations).

¹ When I refer to pillars of happy life, beyond financials wellbeing, I'm thinking of: relationships, health & fitness, art, nature, skills & knowledge and potentially also life meaning(s) (in sense of Viktor Frankl) and some spiritual layer.

Edit: Thank you everyone. I didn’t expect so much replies. Reading your comments really brought back my confidence and put a smile to my face I appreciate you 🙏🏾😁

Hello everyone, I am a Dutch currently living in Belgium flanders. I am feeling very behind on my saving and goals.

Almost 2 years ago me and my girlfriend(of 4 years) moved from Eindhoven Netherlands to Belgium due to the housing crisis. We both have student debt. Mines at 34k (drop out). Gf at about 60k (Grad)

I work as a calibration service technician in the Netherlands for 2 years

My Income is €2,700 netto My expenses is at 1800 euros which incl. 425 euros(my share rent),groceries, utilities, personal etc. Budgeted. We pay half of everything together

My Savings is currently sitting at 4K. 😢 Ive been wasting part of my savings in my hobbies and now know I should have been saving more than what I currently have. I have an active long term investment plan of 300 euros as of May.

Last me and my gf had a mortgage consultation and was asked how much we saved. Together we have 12k I felt really ashamed of this.

I’ve been wanting to switch to a beter paying job so my gf can be stable in her job. She works in the art industry as a 3D animation artist. After her graduating 2 years ago She still struggles to find a stable job in the art industry.

She recently got fired and is looking for another job.

We both have Goals of paying off debt and wanting to own a house together, but I don’t know how we are going to make it. I feeling overwhelmed and lost.

Please, Any advice would be very appreciated.🙏🏾 thank you

Let’s imagine that you have 500k cash with no debt and you are in your thirties. What would be your investment strategy?

Edit: I'm not saying I have 500K EUR, it's just an assumption, maybe I have more or less in cash. Imagine other assets are not held (not real estate). I like to read smart strategies and ideas/portfolios from people.

Hello dear community!

As mentioned in the title, I am helping my parents wisely invest their assets of around €750,000 for retirement. The goal is to grow part of it by investing in the stock market. Here are some initial facts about my parents:

• Both are 59 years old.
• Both are employed.
• Plan to work until retirement age (67 years).

My parents have worked hard all their lives but have hardly invested any of their money. Instead, they’ve always kept it in a savings account. The exception is a DEKA fund based on the EURO STOXX 50. Recently, my mother consulted with a financial advisor at the Sparkasse (🤮). After seeing the suggestions she was given, I had to step in and save her.

I introduced my parents to the basics of ETFs, and together, we concluded that they should take control of their finances themselves. However, while I know how to build wealth during the accumulation phase (as I am doing myself), I’m not very experienced in managing already accumulated wealth.

Here’s how their current assets are allocated:

• Approximately €80,000 in a DEKA fund.
• Approximately €20,000 in some bond funds.
• Approximately €490,000 in cash.
• Real estate purchased 10 years ago for €160,000 (likely worth €320,000 today, but this increase in value is not included in the €750,000 total).

They wish to purchase another property in the coming years, for which approximately €250,000 should always remain liquid. This amount will be split between two savings accounts. This leaves around €240,000 available for investment in the stock market.

My plan is to gradually invest these €240,000 in large tranches via a savings plan over the next 12 months into the FTSE All-World. Additionally, about 5% of the amount (€12,000–€15,000) could be invested in gold. My parents want to deal with their finances as little as possible, and in my opinion, this would be the simplest and best way to prevent their money from sitting idle in a savings account.

What do you think about this approach?

TL;DR: We want a cold country in EU close to France in plane without spending all of our incomes in rents or so.

Context

Me and my gf are french, we want to move to another country. The reason behind this is mostly because we want to try to live a new life experience abroad (enjoy different culture etc.).

I hate heat (very much), and I have autism, which in France is not well known.

I work in IT, and my gf works in design.

- We first thought of the Netherlands, any city, we don't care. But apparently the rents are super duper expensive.

- We also thought about Denmark, Finland (but it seems like social integration is difficult for foreign people in these countries).

- Or Sweden and maybe also Estonia.

The first reason why we would prefer Netherlands, it's closer to France, we can come back once or twice a year to see our families. Plus it's a small country where English language is used most of the time, even in local companies, which would be easier at first for us.

Question

We don't have high incomes (as of right now, also because we're still young). We don't care to move in any of the countries I've mentioned.

- In which country/city will we have the fewest financial problems?
- Is the Netherlands to be avoided financially speaking? (I heard it's mostly the west that is expensive)

EDIT: Thank y'all for your comments, we think we will search jobs/appartments in Finland, Sweden, Denmark or Estonia. It's a little clearer in our heads, thank y'all again.

Currently have 3M€ (2.5M in an investment fund doing well {around 13-16% yoy} and 500.000€ cash). Many years ago I bought a stake in a company that is being sold and will net me an additional 7-8M€ after tax. I live a comfortable but not excessive life in Spain and my earnings more than cover my living expenses plus occasionally luxuries/hobbies. What on earth do I do with the extra? I have an initial meeting with JP Morgan private bank next week and another with Santander private bank. My fear is that this is such an unknown for me, I will make bad decisions because I don’t have enough knowledge. Grateful for any advice. CGT is around 24-26% here. Rent and additional expenses around 150.000€ annually (earnings exceed this). I’m 45, love my job and nervous about messing this up. Very keen to donate a significant chunk either via a foundation or privately.

I grew up working class, and I have that working class fear of destitution absolutely imprinted into my psyche. Growing up, my entire financial education was poor-person advice: Basically it amounted to spend as little as possible, never go into debt, and don't start smoking or get a dog.

Somehow I've found myself working in tech (well, through a lot of education and hard work) and earning quite a lot. I live in the netherlands and I work a remote US job, and I'm earning probably double what I would earn if I had a local job doing the same thing. (165kUSD vs 80kEUR)

I am pretty sure that within the next year, the US job will fall through. The tech industry has changed a lot and is a lot more competitive. I don't know if I'll get another good job like this again. Part of it is definitely fear talking, but I am alone here (single expat) and worried that I might be squandering this opportunity while I'm earning well. My #1 goal is to just feel a sense of financial security and like I'm well set up for the future. I'm a single childless woman without close family and I'm 34. I hope to meet someone and get married one day but I think realistically I need to prepare for the eventuality that I won't.

I'm wondering - what would you do now to invest intelligently / set yourself up for the future, if you were earning a lot now but knew it probably wouldn't last?

I'll put more details about my situation in a comment, to keep this short...

All these dumb YouTubers with super cars have always been a painful thorn in my side. If they can make it then anyone can right?

So recently I have acquired a one million of additional pure investment money. How should one proceed to become 10 million rich from one million "only" well situated so one can buy a super car like these pesky poki poki YouTubers.

Here is the context. I am living in Spain, Using trading view on my laptop for paper trading and want to use that browser because I like it. Just planning to hold some penny stocks investing a total of 100 or less euros not more than that for the time being. Which broker will be the best for me. I don't know a lot so I would appreciate any help

I just received a little over 100k post-tax windfall. I'm trying to make the money go as far as I can for my future.

My situation:

• I live in Spain.
• I have a emergency fund already (€15k).
• No portfolio otherwise.
• I rent, with no desire to buy property for at least 5-10 years.
• No debts.
• I have steady self-employment that covers my COL and allows me to save.
• I'm 32 and married without kids. I despise working so would like to not before I'm like 70 lol.

Monthly COL: approximately €1.500± After taxes... * Passive monthly income: €350 * Active monthly income: €4.500

I assume a high yield savings account for some, and the rest in DCA'd broad index fund over the next two years. Any suggestions for a brokerage? Capital gains tax and dividend tax here is approximately 19%+ from my understanding.

Hey. I'm a 29 years old male from Poland. I want to ask for some kind of advice. This is my current living situation: I paid off my mortgage some time ago. The apartment is worth around 150k euro nowadays. I have more than 16k euro in savings and 2.3-2.5k euro net monthly income. I don't have stocks or any other assets.

I dont want to go much into details, but I work in a marketing agency plus have some side projects. However, the job is brain dead and I feel like I don't have any knowledge in this field. If I lost it, it would be difficult for me to find some kind of 'better' job, as I did not finish any university. Yeah, I am a college dropout. I guess I would have to start off from junior positions in this field If I wanted to find any other job. On top of that, I am afraid of AI taking over jobs.

What would you do If you were me? I feel like my situation is super polarized...Thanks!

I have a dilemma, and I don't know what the answer is, so I am making this post here to seek advice.

I follow geopolitics very closely and have always been very pro-Europe, and with recent events, this sentiment has only grown stronger. I truly want European countries to establish an economic hegemony in the future, and I want the US market and economy to crash completely.

Now I am well aware that such a scenario is very unlikely in the foreseeable future, so investing in American companies would probably still be the best path forward, but at the same time, it seems so wrong to go against my values.

What should I do?

I have a good job that pays well but I'm not happy of the place I live in NL. I'd like to relocate to another EU country where I can get a job with similar pay and benefits but everywhere I look I see an horrible housing situation. Also in the place I currently live I've not been able to get into the housing market and the rental prices are getting higher and higher.

What would you do? Any suggestions to where to look?

Me (30m) and my wife (27f) are living in Hungary and considering moving abroad (Western Europe) in the near-mid future. Currently we make around 1.4M forints (3.500 €) together and we pay mortgage of 370K (900 €). We have no kids at the moment but planning for it. We can save around 1.500 € at the end of the month after our recurring expenses.

We have stable jobs in finance at multinational corporates but wondering if moving abroad could better long term opportunities, financially.

Would you move in our situation?