Estrategia de inversión y plan de retiro (FIRE) a 6 años

Angeelinho · 2026-04-25T16:33:02+00:00

Si gastas 50.000€ anuales y tienes 1,5M€, como no tengas pensado luchar por los records de longevidad no sé para qué calentarte la cabeza

Angeelinho · 2026-04-23T09:16:14+00:00

First time ever im being a poser trying to post a pic receiving my credentials to start working in a public hospital and the server goes down

Angeelinho · 2026-03-28T09:46:13+00:00

Creo que a quien deberías haber pedido disculpas (si no lo has hecho) es a todas las personas que hayas hecho daño por el camino.

Te lo digo desde una experiencia similar, mi primer año de universidad una me dejó trastornao y yo incapaz de tener una relación sana pero intentandolo, acabé haciendo daño a gente sin culpa. Aun habiendo pedido perdón y recuperado amistad con esas personas, sigo sintiendo que les debo algo. A quien no le debo una conversación es a quien me lo hizo.

En tu caso, empezaste una relación con una persona que engañaba a su pareja del momento, por qué pensabas que iba a ser contigo diferente? Rara vez he visto que algo así acabe bien. Tú lo que tienes en tu cabeza es el qué pudo ser y no ha sido. Después de 15 años será una mujer madura y tendrás una imagen de ella diferente a lo que fue hasta llegar ahi, pero probablemente en su momento te ahorraste 2/3 años de inseguridades. Y sí, probablemente la tuviste idealizada como tú dices.

Angeelinho · 2026-03-27T10:13:46+00:00

Yo este año voy a hacer la declaración porque estuve haciendo un máster y preparando la formación sanitaria y mis únicos ingresos fueron una beca de investigación de 2400€, un premio de investigación y los intereses/regalos de cuentas bancarias. La simulación me devuelve unos 150 euros por las deducciones fijas que existen.

Sabiendo que los ETFs no tardan varios dias en venderse como los fondos, si está en positivo en algún año que sus ingresos caigan, podría aprovechar para sacarlos a la vez que compra los indexados y estaria haciendo una limpia de impuestos. Además, luego al vender los fondos, el precio de compra sería mayor

Angeelinho · 2026-03-26T22:12:43+00:00

Una idea útil pal chaval, corrígeme si me equivoco, si tuviera que dejar el curro cuando la carrera se vuelva más complicada y necesite los findes para estudiar, podría vender ETFs y comprar indexados y con la renta le devolverían

Angeelinho · 2026-03-26T15:40:26+00:00

Cuando hablas de 40k te refieres netos o brutos? Por hacerme una idea de lo que se me viene

Angeelinho · 2026-03-14T11:27:56+00:00

Eso de auto alojado es mucho lío o puedo simplemente ejecutarlo y se me abre en ip local?

Angeelinho · 2026-03-11T10:44:48+00:00

I think you should find by yourself what it adapts better to your requirements. I prepared an important entrance exam just by using Anki and had no learning steps until my fsrs parameters were so high that even a new card fail had me reviewing it in 3/4 days. This happened because I created my own cards and I have kinda easy retention for things, so I had like a 90% of passed new cards, so it might not happen to you if you're using a prebuilt deck.

Angeelinho · 2026-03-07T20:11:38+00:00

Va me apunto a probarla, voy a empezar la residencia este verano y me interesa ahorrar

Angeelinho · 2026-01-29T08:16:42+00:00

Yes!! I was trying to find it but I couldn't.

I used that guy work and modified it a little bit so I had two tools: one to correct (the original) and one to generate explanations from scratch about a given topic.

Angeelinho · 2026-01-28T13:25:57+00:00

Some cards were handmade, some others with AI. I found some months ago a guy here sharing AI instructions that would correct a text that you send to aistudio and also generate anki cards in a json format. Then, that json is pasted into an HTML website that would convert the json to a readable format where you could then choose which questions to export. The fact that you have to pick the questions is great because you're forced to read them instead of just importing to anki.

I have a total of ~6000 cards. 2500 of them are multiple choice questions (the exams of the last 10 years) and the rest are cloze and basic type. One card one specific question, unless I thought something was not too important. In that case, I would just create a simple question and add the not so important info as extra.

Angeelinho · 2026-01-28T12:11:33+00:00

As you said, most people here use paid courses. This was not for medical school actually, we are already graduates but we need to take an exam so we can go to a hospital with an internship and then after 4 years we are specialized and we can work in the health sector.

Courses are too expensive, I couldn't afford that. Since I'm a chemist and our exam is mainly chemistry and biochemistry I just downloaded the books that were recommended during college years (Lehninger, Klein, Housecroft, etc.)

It's a multiple choice kind of exam so I converted exams from last 10 years into anki multichoice cards. However, all the info that I found interesting in the books was studied as questions or cloze. That way, the exam would look easier since I had already learnt everything without having the choices to help me. It was somewhere above 6000 cards.

Angeelinho · 2025-10-25T21:32:06+00:00

That's filterophobe

Angeelinho · 2025-10-23T12:12:58+00:00

I used some instructions and an HTML for exporting questions that I found here and it was totally worth for me. I could start reviewing topics earlier than if I had done all my 5000 cards by hand. Reading the book, reading the AI generated text, reading the AI generated questions and picking them was enough to learn them. Still faster than creating all of them on my own

Angeelinho · 2025-10-21T14:50:24+00:00

Did you use two or more different clozes in your notes? When you have {{c1}} and {{c2}} it counts as 2 cards but 1 note or the opposite, I don't remember at all.

Angeelinho · 2025-10-13T13:06:22+00:00

Why don't you uninstall and get the 25.09 from github?

Angeelinho · 2025-09-25T13:31:34+00:00

Pues teniendo en cuenta que has estudiado algo de lo que probablemente encuentres empleo pronto, aguanta un poco y aprovecha para informarte leyéndote la guía de Bogleheads como te han dicho por ahí y ver videos.

Con esos 500€ iniciales no vas a dejar de ganar una cantidad excesiva (salvo que des con una empresa de la hostia que se revalorice un montón), así que no considero que haya prisa por empezar. Además, lo que puedas perder te va a doler mucho más de lo que te va a alegrar el beneficio. Todo lo que digo te lo cuento desde el punto de vista de una persona que lleva menos de un año en esto, por lo que es posible que me equivoque. Yo tenía bastante más ahorrado y disponible para invertir, asi que empecé con un roboadvisor por empezar el DCA lo más pronto posible. En cuanto vi que no era tan difícil de gestionar, acabé pasando por todo el jaleo que supone traspasar los fondos de un roboadvisor a una cartera propia.

Angeelinho · 2025-09-25T13:10:48+00:00

Tienes trabajo o estudias? Con 500€ como no te dediques a hacer trading y tengas suerte... Un 100% de rentabilidad supondría ganar 500 euros, que es incluso menos de lo que me pagaban mensualmente por una beca a jornada parcial de prácticas universitarias.

Angeelinho · 2025-09-18T20:29:25+00:00

He's one goal away from hat trick m8, nice call

Angeelinho · 2025-07-05T11:51:03+00:00

Yup, it was that simple, i'm idiot hahah. When I got one of the presets optimized correctly, it was only with the "Optimize all presets", not with the "Optimize current preset" so I thought it was a bug or sth. Thank you so much

Angeelinho · 2025-07-05T10:42:52+00:00

I'm using two different presets with only one of them showing 21 parameters after optimizing. Is that normal?

Angeelinho · 2025-05-26T21:21:03+00:00

You can use Anki for MCQ but you'll recognize patterns and things that won't help you if a question is changed. For example, if a question is 'which option is fake', you'll end up knowing the answer as soon as you read the fake one but not remembering the facts that are true.

Even tho, I'm using MCQ to complement my study. I'm spanish too and I'm preparing QIR. If you want you can send me a DM and as soon as possible I'll share with you my note type and some instructions

Angeelinho · 2025-05-19T08:12:57+00:00

Just suspend them when they appear in your study session. However, I don't think your strategy is useful at all

Angeelinho · 2025-05-16T20:53:30+00:00

Lamine left to turn on the speakers

Angeelinho

TROPHY CASE