<a target="_blank" href="Throwaway for obvious reasons and also because I want to share this with someone else other than my dad.Hey, I wanted to share that recently I (24M) reached a NW of 100k eur. I am from Central Europe, think a country with average monthly wage of 1.5k eur. I started working in software when I was 17 and have been working on and off since then. I have not been to uni yet. I spent a year working as a bike messenger recently, making very little money, although having quite a bit of fun.I am especially happy that I reached this goal at 24 even though I had no income from my labor from mid 2022 to mid 2024 due to health issues, and then very little income from mid 2024 to early 2025 due to bike messenger work. During this time however the private fund of a trading company I used to work at appreciated quite a bit, which is why my NW kept on increasing even during times of poor income.Other times during my career I had a pretty high income though, often 2-3x the average wage in my country. Nowadays Im making 5k a month again, though inbetween jobs currently, with the next one already lined up.Breakdown:Private market making fund of a trading company I used to work at: 47k — to this I cant and dont want to contribute anymore. I just want to let the money in to compound. This fund used to do 30-40% years in the early 2020s, however, these last 2 years it has yielded about 10% a year. I expect the future yields to be around the 10% number. I am debating how long to keep the money in there for, and when to withdraw it. It is a higher risk investment, so I feel like 10% return doesn’t justify the risk downside, however I am comfortable with leaving the money there for the next couple years at least. My initial investment to this fund was 15k in 2022. Brokerage: 38k — 95% in VWCE. To this I am contributing monthly as much as I can. My IBKR account had a one year anniversary this week, so I’ve managed to invest exactly that amount since for reference. With the current job situation I can contribute around 2.5-3k a month. I want to squeeze as much compensation from software work as I can as we dont know how this AI thing will play out. Cash: 14k — will be moving in to a rented flat with gf soon so need a lot of cash for deposit, etc. I tend to be a bit more conservative and keep more money on me due to the way I was brought up. It’s usually at most 7-8k in cash including the 5k emergency fund which I think is fine. After we move in and pay for everything, I will invest an additional 3-4k from this asap. I also may be in debt a couple thousand to the social/health insurance companies, so I am keeping a buffer for that too. Crypto: 2k — BTC and XMR. I am happy with this being at most 2% of my portfolio. Maybe even that’s a bit too much. I like digitial privacy hence a small Monero stash. BTC because it’s BTC, I set up a small DCA weekly and just forget about it. Monthly expenses: usually at most 1.5k eur. I don’t think I’ve gone over since I’ve been tracking my expenses. I live with my gf currently. We split rent 50/50, however I pay for approx 70% of our expenses when eating out, etc. I am fine with that. I understand this will increase once I have kids, which I do want, however, I still have at least a couple of childfree years before me.Goal: lean/coast FI asap, then see where life takes me.Kids: yes want to, but at earliest in late 20sMostly I just wanted to hear what others think, if there’s someone in a similar position aiming for FI(RE). Also I’d love to hear opinions on how to handle the private fund money as well as when should I expect my investment growth overshadow my contributions. My calculations say that I am approx 20% in to lean FIRE. Even though I work in office I am quite an adventurous person, I took time off to hitchhike/couchsurf/bum around a couple of times already. I’d like to reach lean FI as soon as possible to enable me to take more of these random jobs rather than being stuck inside in front of a computer. I like tech and am fine with my job, often it can be fun/interesting, however I find real life and nature even more fun. Thank you for reading." title="(24M) Just reached 100k NW, looking to leanFI">full image</a>
<strong> - Repost: (24M) Just reached 100k NW, looking to leanFI</strong> (<i>from Reddit.com, (24M) Just reached 100k NW, looking to leanFI</i>)
<br><blockquote> Throwaway for obvious reasons and also because I want to share this with someone else other than my dad.Hey, I wanted to share that recently I (24M) reached a NW of 100k eur. I am from Central Europe, think a country with average monthly wage of 1.5k eur. I started working in software when I was 17 and have been working on and off since then. I have not been to uni yet. I spent a year working as a bike messenger recently, making very little money, although having quite a bit of fun.I am especially happy that I reached this goal at 24 even though I had no income from my labor from mid 2022 to mid 2024 due to health issues, and then very little income from mid 2024 to early 2025 due to bike messenger work. During this time however the private fund of a trading company I used to work at appreciated quite a bit, which is why my NW kept on increasing even during times of poor income.Other times during my career I had a pretty high income though, often 2-3x the average wage in my country. Nowadays Im making 5k a month again, though inbetween jobs currently, with the next one already lined up.Breakdown:Private market making fund of a trading company I used to work at: 47k — to this I cant and dont want to contribute anymore. I just want to let the money in to compound. This fund used to do 30-40% years in the early 2020s, however, these last 2 years it has yielded about 10% a year. I expect the future yields to be around the 10% number. I am debating how long to keep the money in there for, and when to withdraw it. It is a higher risk investment, so I feel like 10% return doesn’t justify the risk downside, however I am comfortable with leaving the money there for the next couple years at least. My initial investment to this fund was 15k in 2022. Brokerage: 38k — 95% in VWCE. To this I am contributing monthly as much as I can. My IBKR account had a one year anniversary this week, so I’ve managed to invest exactly that amount since for reference. With the current job situation I can contribute around 2.5-3k a month. I want to squeeze as much compensation from software work as I can as we dont know how this AI thing will play out. Cash: 14k — will be moving in to a rented flat with gf soon so need a lot of cash for deposit, etc. I tend to be a bit more conservative and keep more money on me due to the way I was brought up. It’s usually at most 7-8k in cash including the 5k emergency fund which I think is fine. After we move in and pay for everything, I will invest an additional 3-4k from this asap. I also may be in debt a couple thousand to the social/health insurance companies, so I am keeping a buffer for that too. Crypto: 2k — BTC and XMR. I am happy with this being at most 2% of my portfolio. Maybe even that’s a bit too much. I like digitial privacy hence a small Monero stash. BTC because it’s BTC, I set up a small DCA weekly and just forget about it. Monthly expenses: usually at most 1.5k eur. I don’t think I’ve gone over since I’ve been tracking my expenses. I live with my gf currently. We split rent 50/50, however I pay for approx 70% of our expenses when eating out, etc. I am fine with that. I understand this will increase once I have kids, which I do want, however, I still have at least a couple of childfree years before me.Goal: lean/coast FI asap, then see where life takes me.Kids: yes want to, but at earliest in late 20sMostly I just wanted to hear what others think, if there’s someone in a similar position aiming for FI(RE). Also I’d love to hear opinions on how to handle the private fund money as well as when should I expect my investment growth overshadow my contributions. My calculations say that I am approx 20% in to lean FIRE. Even though I work in office I am quite an adventurous person, I took time off to hitchhike/couchsurf/bum around a couple of times already. I’d like to reach lean FI as soon as possible to enable me to take more of these random jobs rather than being stuck inside in front of a computer. I like tech and am fine with my job, often it can be fun/interesting, however I find real life and nature even more fun. Thank you for reading. </blockquote>
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<hr><strong>Mining:</strong> <br>
<a title="Cryptotab browser" target="_blank" href="https://cryptotabbrowser.com/12/4000343"><u>Bitcoin</u>, Cryptotab browser</a>
- <a title="Pi Network, CLOUD PHONEMINING" target="_blank" href="https://minepi.com/cusidore"><u>Pi Network</u> cloud PHONE MINING</a>
<br><a title="Fone, CLOUD PHONE MINING" target="_blank" href="https://play.google.com/store/apps/details?id=com.cloud.earning"><u>Fone</u>, cloud PHONE MINING</a> cod. dhvd1dkx
- <a title="Mintme, PC PHONE MINING" target="_blank" href="https://www.coinimp.com/invite/86d61388-18f9-4f8b-8561-8962c67e7166">Mintme, PC PHONE MINING</a>
<hr><strong>Exchanges:</strong> <br>
<a title="Coinbase.com" target="_blank" href="http://coinbase.com/join/occhip_8?src=android-link">Coinbase.com</a>
- <a title="Stex.com" target="_blank" href="https://stex.com/?ref=27877494">Stex.com</a>
- <a title="Probit.com" target="_blank" href="https://www.probit.com/r/46858290">Probit.com</a>
<hr><strong>Donations:</strong> <br>
<a title="Done crypto" target="_blank" href="https://commerce.coinbase.com/checkout/140e9bb6-c4ef-4156-92cf-9c87a88fd259">Done crypto</a>
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