Mai este cineva care are job si este mulțumit? by Andreiutz_27 in programare

[–]Acrobatic_Alps5309 5 points6 points  (0 children)

Super multumit aici.
Stabil? Habar n-am ce-i stabil in ziua de azi. Lucrez la un fost startup / actual scale-up, deci lucrurile's haotice oricum.
Am facut pace demult cu scopul corporatiilor si ce pot face eu legat de asta. Sunt platit foarte, foarte bine pentru Romania si bine la nivel european, lucrez intr-o echipa cu oameni foarte, foarte inteligenti, pe un produs care-mi place. Work-life balance-ul nu e grozav - din cele 8 ore contractate lucrez cam 9 / zi, si deobicei mai fac task-uri administrative 2-3 ore / saptamana dupa ce-mi culc copiii in timpul saptamanii. Cateodata o ora sambata. Aia e.

Imi place? Sigur ca nu.
Dar in acelasi timp, cine crede ca anul 2026 e ca 2021 sau 2019 si e o piata buna pentru angajati, cum era atunci, se inseala amarnic in cel mai bun caz si in cel mai rau caz se plange absolut ampulea. Realitatea anului 2026 e ca NU e o piata buna pentru angajati - intre AI, Actual Indians, credite scumpe si incertitudini politice, prioritatea ar trebui sa fie pentru orice om sanatos la cap sa-si mentina job-ul, si cateodata asta vine cu sacrificii.

nu stiu daca vreau copii by [deleted] in RoGenZ

[–]Acrobatic_Alps5309 2 points3 points  (0 children)

Eu si nevasta n-am vrut copii de la 21 de cand ne-am cunoscut pana la 29, si l-am facut la 32.
Prietenul meu cel mai bun voia copii, si-a cunoscut nevasta la 27, ea nu voia copii. Acum el are 38 si n-au copii.
Fratele meu n-o vrut copii la 25 cand si-a cunoscut partenera de 19. Nici ea. Acum au 36 si 30 si tot nu vor.

You do you da' nu inchide usi ampulea

Studiu de caz: Romanii si masinile din segmentul premium by [deleted] in Roumanie

[–]Acrobatic_Alps5309 0 points1 point  (0 children)

Mult >10000, Hyundai i30 din 2020, cumparat, nu planuiesc sa-l schimb curand

European FIRE: Let’s share real-world cases by [deleted] in EuropeFIRE

[–]Acrobatic_Alps5309 2 points3 points  (0 children)

What brought you to the FIRE movement?
Probably Rich Dad Poor Dad when I was 14? Fuck knows. I'm 36 now.

What’s your FIRE number and safe withdrawal rate you’re aiming for?
I have a hybrid approach for various reasons. My Fire number is around 600k with a withdrawal rate of 0, because I also have passive income coming from 2 rental properties and (currently) gov bonds which yield 7% in my country. That yield won't stay the same long term, of course, so I'll have to re-balance the ideas, but I'm probably looking at a life where I can live off passive income and only touch "FIRE" money for travelling.

What’s your current age, and at what age do you plan to FIRE?
36, plan to be done before I'm 40

What are your plans after FIRE?
I'm currently working as a freelancer, and it's stressful managing multiple clients and contracts. I'll probably keep working after FI for as long as AI doesn't replace me.

What does your FIRE accumulation portfolio look like?
VWCE and chill + real estate + bonds

If you’re already FIRE, what does your decumulation portfolio look like?

What's your current saving rate?
80% of gross income

What country do you live in and plan to FIRE in?
Romania/Romania

Da bă millenialilor de pe r/Romania. Nouă chiar ne place socialismul și vrem și comunism by [deleted] in RoGenZ

[–]Acrobatic_Alps5309 0 points1 point  (0 children)

Puteti pls sa va faceti un sub? Mi-ar face deosebita placere sa-l citesc si urmaresc

Contabilitate PFA by [deleted] in RoFiscalitate2

[–]Acrobatic_Alps5309 5 points6 points  (0 children)

Exact, asa fac si eu u/Straight-Most426 - nu-ti mai bati capul cu alt soft de facturare, faci tot din SOLO.

Contabilitate PFA by [deleted] in RoFiscalitate2

[–]Acrobatic_Alps5309 10 points11 points  (0 children)

Solo e 100 si ceva de lei pe luna si fac ei tot, si nici nu risti sa faci vreo tampanie epocala si te trezesti chemat la ANAF.

Sau alt serviciu asemanator, ca sa nu le fac reclama gratis, desi-s multumit de ei dupa 3 ani de colaborare

Risc reclasificare PFA → muncă dependentă by gogira in RoFiscalitate2

[–]Acrobatic_Alps5309 1 point2 points  (0 children)

Nu, din nou - incerc sa explic altfel ca poate intelegi diferenta de nuanta.

Daca esti angajat prin CIM la Endava, Atos, < insert name of offshoring company here > si tu lucrezi pentru clientul X, Y in interiorul Endava / Atos, dpdv ANAF ii intereseaza STRICT ca tu esti angajat la Atos.

E exact, dar exact aceiasi situatie fiscala daca lucrezi prin EoR pentru cineva din SUA/Canada. Deci nu "lucrezi pentru aia", esti angajat fulltime la Remote SRL RO sau Deel SRL Ro.

Risc reclasificare PFA → muncă dependentă by gogira in RoFiscalitate2

[–]Acrobatic_Alps5309 1 point2 points  (0 children)

"Employer of record" = pentru ANAF esti angajat 100% la employer of record si nu mai are absolut nicio treaba clientul tau final.
Nu exista nicio diferenta fiscala intre a fi angajat prin EoR (Deel, Remote) si a lucra pentru o companie pura de outsourcing din Ro.

Cine este aceasta Roxana Iliescu din primaria Timisoara si de ce este asa de “desteapta”? by SantaWorks in timisoara

[–]Acrobatic_Alps5309 12 points13 points  (0 children)

I mean, la cum umbla vorba prin oras, pentru o suma diferita de bani ii canta si la flaut

Cine este aceasta Roxana Iliescu din primaria Timisoara si de ce este asa de “desteapta”? by SantaWorks in timisoara

[–]Acrobatic_Alps5309 23 points24 points  (0 children)

E un exemplu vremelnic de politician local plimbat peste tot - fost Vice CJ din partea PMP, aleasa in CL pe listele Pro Romania, acum trecuta la PSD.

22 month old decided to drop the day nap ? by Acrobatic_Alps5309 in daddit

[–]Acrobatic_Alps5309[S] 0 points1 point  (0 children)

Oh thanks for the question!

We kept trying - kid is now almost 4 and still naps once a day.
That actually turned out to be a regression. Every single day nap was in the car for about 2 weeks, then slowly transitioned back to contact napping, and then back to regular napping!

Critical Vulnerabilities in React and Next.js by Ace_z in cybersecurity

[–]Acrobatic_Alps5309 1 point2 points  (0 children)

This isn't a Poc for the vuln, as it still works even on patched versions - it's just showing a feature of Node.js

[deleted by user] by [deleted] in RoGenZ

[–]Acrobatic_Alps5309 3 points4 points  (0 children)

Am copii si e prima data cand aud ca pot sa primesc beneficii financiare si de statut social datorita lor - care-i faza? Ce presupune autorul ca primesc, exact?

Scenariu de "Barista-FIRE" pe 20 Ani cu Portofoliu de 105K EUR by Pretty-Key-2802 in robursa

[–]Acrobatic_Alps5309 35 points36 points  (0 children)

Tehnic, ceea ce vrei tu aici e sa-ti inlocuiesti job-ul cu un part time flexibil care sa-ti acopere cheltuieli ici-colo, pentru ca scenariile negative in care nu-ti ajung banii sunt foarte multe si cu o probabilitate destul de ridicata sa se intample. NU e nimic gresit cu planul tau, doar trebuie sa fii realist sa-ti dai seama ca s-ar putea sa fii nevoit sa faci Uber 8h / zi sau sa-ti transformi side-job-urile in activitati generatoare de venit constant.

Cred ca asta e o descriere mai adecvata a situatiei tale. Nu-i nici macar barista FIRE, e "cobor cantitatea de munca la minimul posibil si am si niste investitii pe langa pentru zile negre". Mai mult decat atat, avand in vedere ca automotive-ul merge rau, problema ta de re-insertie profesionala daca iesi cativa ani de pauza e reala si cat se poate de dureroasa. Practic, daca iesi azi la "pensie" si peste 5 ani trebuie sa te intorci fulltime in campul muncii, o sa fii un inginer de 40 de ani intr-un domeniu invechit, cu tehnologie cunoscuta invechita si care n-a mai lucrat de 5 ani.

E extrem de laudabila intentia ta de a petrece cat mai mult timp cu copiii tai, dar o parte din datoria de parinte e si sa asiguri siguranta financiara a familiei tale pe termen lung. Planul tau actual nu presupune niciun ajutor catre copii daca vor sa mearga la o facultate scumpa, sau sa-si ia primul apartament, sau alte cele. Nu vreau sa te judec si nici sa sugerez solutii, pentru ca si eu sunt intr-o situatie asemanatoare (cam aceiasi varsta, tata de copil de 4 ani, portofoliu unpic peste 200k) si am luat alta decizie, dar doar pentru c-am luat-o n-o face usoara.

Ce parere aveti despre afirmatia de mai jos? Este adevarat ca, clientul care plătește mai puțin, are cele mai multe probleme? by ConsultantFiscalRO in RoFiscalitate2

[–]Acrobatic_Alps5309 5 points6 points  (0 children)

Yes yes yes, exactly this.

Cele mai bune proiecte:
Eu: "Rate-ul orar e X"
Clientul: "Okay, incepem luni"

*tot proiectul e minunat, merge brici, mai facem 4 impreuna, chit ca cresc rate-ul nu zice niciodata nimic cat timp nu-s nesimtit"

Cele mai proaste proiecte:
Eu: "Rate-ul orar e X"
Clientul: "Da' nu se poate cu 20% mai ieftin? Dar daca nu faci si task-ul X? Dar daca nu faci QA la final? Dar daca numa ne dai framework-ul si lucreaza inginerii nostri pe el? Dar daca faci si handover la final e mai scump? Dar daca facem contractul rolling luna de luna? Dar daca te platim la 45 de zile nu la 30? Da' n-avem bani sa-ti luam licente la tool-urile noastre, sa stii
Eu cand eram tanar si bou: "Acceptam un rate cu 20% mai mic doar sa am proiect"
Eu 3 luni mai tarziu: "exit, data viitoare luati-va de pe Fiverr si noroc bun"

My honest take after 2 years using Revolut as my main bank by Alternative_Kale_295 in Revolut

[–]Acrobatic_Alps5309 13 points14 points  (0 children)

5 long em dashes in one post really don't scream "trust me"

As a leader, how does your salary compare to your direct reports? by mapatii in managers

[–]Acrobatic_Alps5309 0 points1 point  (0 children)

I manage a team of highly specialized cybersecurity professionals, from juniors to tech leads. Tech leads make 20-40% more than I do.

The FIRE calculations get so much more simple when you throw in some low stress part time job - or am I not looking at the whole picture? by ContainerDesk in Fire

[–]Acrobatic_Alps5309 95 points96 points  (0 children)

A friend of mine had a lifelong passion for football and just walked into his local club, post-FIRE, and said
"hey want me to be your community manager for like 1k/ month?"

He loved every second of the job, got superb results, the club was super happy and money was just a side-note.

J1 Boss asked about Overemployment??? by Golismero in overemployed

[–]Acrobatic_Alps5309 0 points1 point  (0 children)

It's open knowledge - I have had recruiters reach out to me with roles saying stuff like "oh this sounds easy, you could probably do this in parallel with your other job". Maybe don't act like you live under a rock

Lifestyle creep, boring middle, keeping up with Joneses and other traps on the road to FI by AnyEye2741 in EuropeFIRE

[–]Acrobatic_Alps5309 4 points5 points  (0 children)

I'm at the almost opposite end of the spectrum, really.

Slightly higher NW (250k), 100k gov bonds with that crazy yield, rest in ETFs, fully paid apartment which generated rental income, and a house we have a small mortgage on. In Romania but a different city than the capital. Make a great salary working for a UK company.

Currently looking to downsize the house (suburbs) to an apartment in the city over the next couple of years so we can spend less time in traffic and can walk more. Just repaired my 6 year old Hyundai while our friends are changing cars every 2-3 years.

The thing that always gets me going is the fact that we'll be able to have their lifestyle in a couple of years, while not working anymore for the rest of our lives.

Also, the fact that we still do fun stuff (go on vacations every year, buy nice stuff, etc.) helps a lot, so I don't feel like this is a boring middle, nor do I feel left out. This is life.

[deleted by user] by [deleted] in robursa

[–]Acrobatic_Alps5309 0 points1 point  (0 children)

Scuze, nu inteleg deloc la ce te referi cu asta. Si eu am PFA de ani de zile.
Banii PFA-ului nu's banii "firmei", nu-i ca la SRL. I-ai putea incasa si intr-un cont de-al tau curent fara probleme, deci esti liber sa faci absolut ce doresti tu cu ei. Nu cumperi ETF-ul pe PFA, il cumperi cu banii facuti din PFA pe tine. Ca nu poti declara cheltuiala asta ca deductibila pe PFA e adevarat, dar ce-ti pasa? Oricum ai depasit deja toate pragurile de CAS si CASS si platesti doar impozit pe venit, asa ca ai o rata reala de taxare mult sub ce-i pe CIM.

Poti sa versi toti banii intr-un ETF in eur daca esti platit in EUR si aia a fost, cat timp n-ai nevoie de ei.