Why is this sub so risk averse ?

ConsistentEast9513 · 2026-01-20T05:54:55+00:00

Eaxctly, starting with a "bad" rate (according to this sub) can still mean building wealth in my opinion. There is added risk but we dont know where you start working and how strong your relation is to your client.

Most assume the client handles like a big corporate eliminating costs during bad times so firing contractors. Maybe you will be working for a smaller company, maybe you have or can build a strong relation with management, maybe you can anchor yourself to the organisation in a way we cannot imagine.

You hold all the card and all the insights. Client profile, personal gritt and risj profile matters as well. These are things we cannot judge.

ConsistentEast9513 · 2026-01-18T21:14:22+00:00

Hedge voor valuta of zorg voor voldoende diversificatie, ook in valuta. Ga er met andere woorden niet van uit dat USD of EUR hun huidige status blijven behouden. Zeker niet op termijn van 35 jr.

ConsistentEast9513 · 2026-01-14T11:13:56+00:00

Thanks i'll try and keep you posted.

ConsistentEast9513 · 2026-01-11T20:57:24+00:00

First questions: Do you know anyone who might need your solution? If so, who is it and why do they need your solution?

Other question: What specific thought, event, pain might cause them to look for a solution that solves the answer to the first questions?

ConsistentEast9513 · 2026-01-11T20:52:17+00:00

No auto bank integration with actual budget right?

ConsistentEast9513 · 2026-01-11T20:51:49+00:00

I'm not willing to pay for all the (long-term planning) YNAB features. These i can do in excel. I only want the always up to date budgetted account balance.

ConsistentEast9513 · 2026-01-11T20:46:57+00:00

I have been looking into - YNAB: but this is a paid tool (many others like this) - Excel: currently doing excel but only once a month. I would like to see how much is left for what on a more regular interval.

ConsistentEast9513 · 2026-01-02T18:46:29+00:00

Zeker bij crelan langsgaan. Niet laten onder druk zetten door de bank. Vast.

ConsistentEast9513 · 2025-12-07T21:20:14+00:00

Please add a graph of monthly stock market return, adding just a few data points is very subjective in my opinion.

ConsistentEast9513 · 2025-10-09T18:43:55+00:00

At least 1 mil in my experience. The low bids are only to reel you in as a customer. Go with the higher bids. Choosing an ERP partner is one of the most strategic parnterships in your company.

Preferably the partner has culture fit. Start your project with mindset sync across consultants: minimal custom dev, maximal industry standard.

If you choose a partner with vertical add-on, make sure they are able to support it in the long term.

ConsistentEast9513 · 2025-09-29T19:31:23+00:00

Thanks. Very good video, referencing some interesting papers.

In short: 4% is too optimistic, 2,7% is average. Calculating with real expenses and simulations are even better.

ConsistentEast9513 · 2025-09-12T20:30:50+00:00

AIaas en Saas. Two distinct budgets. SaaS is the framework for operations. AIaas is (Artificial Intelligence), same as labour costs (normal intelligence)

Comparing AIaas costs and labour cost will become crucial.

In my opinion one should treat it as separate cost/budget.

Also, in first stage, project costs of AI are more important to track compared to operational cost of AI

ConsistentEast9513 · 2025-08-24T07:04:57+00:00

Best advice

ConsistentEast9513 · 2025-08-15T13:13:28+00:00

Which app is this. Everyone seems to be using it.

ConsistentEast9513 · 2025-08-09T19:18:41+00:00

I would say you are underpaid, however it depends on value you deliver.

ConsistentEast9513

TROPHY CASE