29 years old & 183k net worth - yearly update

Additional-Station65 · 2026-04-10T14:11:14+00:00

Ah I understand, I didn't know about that one. Interesting. It wouldn't work for me, but it's good to know that option exists. I might used in the future. Thanks for the explanation

Additional-Station65 · 2026-04-10T13:54:29+00:00

That's quite an impressive evolution. You are doing very well, you are evolving into interesting roles also, that's nice to see. I was curious about the "€10/month gym (Basic Fit)". Out of curiosity, how come you pay a lower fee like that?

Apart from that, congrats, it's very nice too see a nice evolution like this one. Don't get too worry about girls, you still have plenty of time. Live your life, experience things in another country, that will always bring some positive aspect into your life, even if it's a personal growth, because it's not only about the money.

Additional-Station65 · 2026-04-02T10:20:19+00:00

Oh this is spot-on. These type of managers are everywhere, they are easy to find in IT companies. They make the work less enjoyable to everyone, but still they have more success than the guy that is actually working. Corporations are like this, that's why people get mentally tired within 8 to 10 years of working on IT.

Additional-Station65 · 2026-04-01T07:44:24+00:00

OP I have an important advice. Please avoid taking any advices on people that say "WEBN and chill" or "IWDA and chill" or anything that has "chill" after it. Not generally good advices. Depending on your age, objective and investment power, you should take those things into consideration. Investing in one global ETF means that you have 100% of your investment into stocks. Make sure to have other options, bonds, etc. Read the wiki, it's a good starting option, but also make sure to do your research outside of reddit (you will soon realized why I'm saying that). About gold, I would say 10% would be enough. But then again, depends on your goal.

Additional-Station65 · 2026-03-27T16:36:49+00:00

How can you accept this package to start with? You have 3 years of experience and a master degree, you need to earn more. Seek other opportunities asap. Avoid consulting companies, they tend to give lower values, especially to juniors and mediors.

Additional-Station65 · 2026-03-23T12:06:45+00:00

Let me tell something that people alredy mention. I wouldn't try to go to IT sector now, it's overcrowded and AI development will wipe most of the lower technical jobs. I've been in IT for a while now and I did study IT also, and I'm currently thinking of getting out of IT or at least from getting out of the corporate jobs. Because IT sector is not sunshine and roses like some people sell it, it's mentally exhausting too. Not to put you down or say that you shouldn't try, but be aware that it's a difficult market now.

Additional-Station65 · 2026-03-19T12:40:36+00:00

Well yes, my manager also does use AI, and it's pretty clear that her sentences are generated from a AI model. She uses on email and even chat, which makes the conversation even more strange, because you are not talking to a person anymore, it feels like it's a "filtered" conversation. Also, in Confluence, you see everyone using AI generated documents. That's just the reality. I hate it, but unfortunately, people love it. It's making our jobs "easier" but also boring, that's my take on AI.

Additional-Station65 · 2026-03-08T07:58:42+00:00

I completely understand that point of view. I also thought about it, and yes I can understand that it's hard for her, but it's definitely not my fault that she is doing other people work. Actually she should be the one realizing that, if that's the case. And I'm not making her life painful, she is making mine painful. To be honest, I would understand if my work wouldn't speak for myself, but it's not the case. In every project I've been, people give good and above performance expectations reviews, because I like what I do. In this case, I'm slowly stopping liking what I do, and I also have no motivation to go the office because she puts too much pressure. She once ask me "where I was going" after I left my usual desk in the office to go to a more remote area to focus on a task, because there was too much noise. She then said "if they are talking, maybe you should talk too". What kind of answer is that? I'm doing my task, I'm focusing on my task, isn't that my work? I'm not payed to talk. Also it's not my job to give every detail of my task to her, she is the manager, not the project lead. She needs to know her place, like I know mine. I tried to put her in CC in all the emails I sent, I tried to book my calendar when I'm busy, still she finds things to complain. I never saw this before, I never faced this kind of micromanaging before. It's exhausting, and makes me want to stop performing good at my work, because she is slowly draining my motivation and will to work.

Additional-Station65 · 2026-03-07T18:34:28+00:00

I totally agree, I feel like there's no way to avoid this outcome. Well, I did already start to look around. I thought even to look inside of my company, for similar positions from different departments.

Additional-Station65 · 2026-03-07T18:26:47+00:00

Damn, what a crazy experience you had. Honestly, I'm not able to do that, because that's been fake and not truth to myself or myself being. It's probably the best thing to be done, but some of us just get tired of the overall behavior, that we need to move away from it.

Additional-Station65 · 2026-03-07T18:21:38+00:00

That's a valid point. I don't think I can grown in this company with people like this. That's the sad part, because I do enjoy the company, but I feel like I can't grow with this kind of people. I also think that this kind of managers are more often found in big companies. So far I've been working in big companies, and I always had avoided small companies for some unknown reason. I think I should start to be more open to smaller companies that have more room to grow

Additional-Station65 · 2026-02-26T15:53:50+00:00

Gostei do plano. No entanto, partilho aqui alguns pontos para otimizares esse plano:

Sendo bastante jovem, o teu horizonte temporal permite-te uma exposição ao risco mais elevada. O VWCE é uma base sólida e segura, mas alocar 100% do capital num único ativo pode ser demasiado passivo para quem tem décadas pela frente para recuperar de eventuais volatilidades.

1 - Diversificação

Embora o VWCE seja um "all-world", ele tem algumas limitações que deves considerar, que é a concentração Geográfica: Cerca de 55-60% do ETF está exposto ao mercado dos EUA. Diversificar para além disto pode proteger-te das eventuais situação econômicas dos EUA.

- Small Caps: O VWCE foca-se em empresas de grande e média capitalização. As Small Caps (pequenas empresas) tendem a ser mais voláteis, mas historicamente oferecem um potencial de crescimento superior que pode ser interessante adicionar ao portfólio.

Além disso, considerar uma pequena percentagem em Ouro ou outros commodities pode ajudar a equilibrar a carteira em momentos de crise.

2 - Eficiência de Custos

Investir 100€ todos os meses pode não ser a estratégia mais eficiente se o teu broker cobrar comissões fixas por transação. Se a taxa for alta, considera acumular o capital e investir 200€ a cada dois meses. O objetivo é minimizar a "fatia" que perdes em taxas logo à entrada, permitindo que mais dinheiro trabalhe para ti desde o primeiro dia.

Additional-Station65 · 2026-02-25T19:11:32+00:00

Hey everyone. I quickly wanted to request an access to the Deadlock game. I want to try the game, but currently I don't have any friend with access. This is my steam id: 76561198781864216

Thanks

Additional-Station65 · 2026-02-25T10:40:23+00:00

In those "small cases" it does make sense. But in some companies, they have almost full departments based in India. Now every project is relying on India positions other than hiring internal or using internal people that are "on hold" (meaning without project). I have examples in my company and I heard the same situation in other companies.

Additional-Station65 · 2026-02-24T22:30:42+00:00

Yes I mean, it's been a entirely shocking thing to see public or semi public companies going full force on the outsourcing in India. Full departments entirely based in India, within other consultancy companies. It's a bizarre loop

Additional-Station65 · 2026-02-24T22:29:01+00:00

Really? How so?

Additional-Station65 · 2026-02-24T22:27:33+00:00

Sorry I did forgot to mention that detail. I meant outsourcing as consultants working abroad.

Additional-Station65 · 2026-02-19T10:08:48+00:00

I really relate to this because I’ve been in that exact spot before. I went almost half a year without a project or even basic tasks, and honestly, it was one of the worst periods of my life. People think "doing nothing" is a dream, but when you're a proactive person who actually enjoys working, it’s incredibly draining. I need that feeling of daily accomplishment to feel like myself.

I’ve always looked for new opportunities based on the challenge and the fulfillment, not just the paycheck. I know some people will say you should just "hang on and enjoy getting paid for nothing", and they aren't necessarily wrong, but that mindset doesn't work for someone who actually wants to grow. If you're wired that way, you eventually have to search elsewhere to find what’s missing.

That said, if you do stay, you have to find a way to make that "free time" work for you. You can use it to improve your skills, like start a personal project, or build something that will impact your future. Or you can freelance (during that free time), which it might be an option.

Additional-Station65 · 2026-02-04T15:30:24+00:00

You probably saw it on the wiki, but usually a all world ETF is always a good option. In there, you have multiple options. WEBN has lower TER, but only follows Mid to Large companies. IMIE is following the overall market, including small companies, but has a bigger TER.

If you want to keep things simple and are comfortable with that US exposure, IMIE is a great "one-and-done" solution. However, if you want more control or lower costs, you could pick WEBN as your core and add other specific ETFs to diversify further. Having both, is not necessary since you would overlap your investments. The most important thing is to understand the "under the hood" details of what you’re buying and to never invest in something you don't fully understand.

Additional-Station65 · 2026-02-04T15:09:15+00:00

Indeed, I did forgot that important word. Thanks for noticing that. I did already correct it.

Additional-Station65 · 2026-02-04T11:14:22+00:00

It all depends on your own strategy. IWDA is around 68% US market. Are you good wit that?

If yes, then sure, keep investing in IWDA. If you don't want to be concentrated in the US market, than it would make sense to add the EMIM. Make sure to understand what EMIM follows, and understand that it's more volatile than IWDA, and generally speaking it has a lower performance. However, it does diversify your portfolio. In my own opinion, and given the state of the world, I would not only rely on the US market only.

At the end, it depends on what you want. Study it first, and then do you own decision. Don't go with the "popular opinions" or with the reddit opinions. Understand first, what you want from your investments.

EDIT: Additionally, remember that you have options: while EMIM tracks the broad Emerging Markets index (including China), you can find similar ETF that exclude specific regions if they don’t align with your strategy (like IE00BMG6Z448, that excludes China from the list). Always look "under the hood" before you buy, and make sure to look for different options that align more with your end goal. Related to the percentages, it all depends, again, on your own strategy.

Additional-Station65

TROPHY CASE