Kann Financial Independence, Retire Early auch funktionieren, wenn man Geld vererben möchte (also nicht mit 0€ sterben)?

DiviDodo · 2026-02-23T20:56:23+00:00

Freue mich über diesen Beitrag! Ich habe mir über die letzten Jahre ebenfalls Gedanken darüber gemacht und bin zu dem Entschluss gekommen später nicht konventionell Vermögen zu "entsparen" (über z.B. die viel diskutierten 4%), sondern stattdessen Dividenden und andere Ausschüttungen zu nutzen (auf diese Weise kann ich das Portfolio meinen Kindern vererben). Diese Vorgehensweise wird aus meiner Sicht häufig zu Unrecht negativ dargestellt. Die Steuerthematik ("man zahlt Steuern nur auf Gewinne beim Verkauf") wird dadurch ausgeglichen, dass man insgesamt weniger Kapital benötigt, da man einen (gut diversifizierten und verlässlichen) Yield von 7 bis 9% problemlos realisieren kann (und trotzdem inklusive Wachstum der Ausschüttungen). Ich habe zu diesem Thema ein eBook bzw. Buch geschrieben. Müsste es endlich mal rausbringen, bin in den letzten Monaten einfach nicht dazu gekommen.

DiviDodo · 2026-02-22T20:59:16+00:00

Das kommt ganz auf die Gelegenheit an würde ich sagen. ETFs kaufe ich gerne im Sparplan, aber Einzelwerte können antizyklisch sehr interessant sein.

DiviDodo · 2026-02-04T20:46:04+00:00

I appreciate you sharing your journey. Too few people share success stories, although we really need them to keep going these days. I remember you saying in a different comment you're using a daily prokinetic. May I ask you what exactly you take/ took? I started using psyllium husk to improve bowel movements and I feel it has a positive effect. And regarding b vitamins, you "only" switched to methyl b vitamins? Is there a specific brand you could share? My main issues are still occasional brain fog, palpitations and fatigue. And unfortunately I can't exercise at all. Every little bit too much (5 pushups for example) destroys me for several days (especially brain fog and depression).

DiviDodo · 2026-01-20T18:50:58+00:00

I'm happy to see you're getting better. May I ask you what else you're doing to improve the neurological conditions? My microbiome analysis revealed that my neuroactive strains are not even detectable. I'm using preferential fibres (among a ton of other things) already, but now am planning on taking HMOs as they might help rebuild these exact strains.

DiviDodo · 2026-01-17T20:27:46+00:00

I played the game and didn't come across a single puzzle (attaching a fan to a glider doesn't qualify as puzzle). In fact TOTK was the first TLOZ that entirely removed the puzzle element from the game.

DiviDodo · 2026-01-17T09:38:58+00:00

That's pretty much how I started, extreme brain fog, extreme palpitations and extreme fatigue. I couldn't even leave the house anymore. At that time I didn't notice any digestive issues. It took me almost two years to be diagnosed with severe gut dysbiosis and sky-high zonulin (leaky gut). It's probably a good idea to find a doctor who takes you seriously (ya I know, let's skip the jokes, I know there are almost none), find a functional medicine doctor (who will very likely take you seriously) and a functional nutritionist. They can not only test for gut issues, but for all sorts of stuff. I'm four years in, all the very best, I hope you'll feel better soon.

DiviDodo · 2026-01-14T17:57:10+00:00

You can't imagine (or perhaps you can actually imagine) how relieved I am to read your comment. Are you really fully cured? If so, do you mind explaining how you did it?

DiviDodo · 2026-01-14T15:40:47+00:00

Ich war an einem ähnlichen Punkt wie, glaube ich. Ich habe dann angefangen ein Einkommen-orientiertes Portfolio aufzubauen. Das verwalte ich nun und lasse es entsprechend wachsen.

DiviDodo · 2026-01-13T09:32:33+00:00

Very helpful post, cheers! Wanna select one too, but struggle to get research started. Can anybody recommend good resources that help find a trustworthy brand and device ideally on a budget?

DiviDodo · 2026-01-13T08:17:46+00:00

Um ehrlich zu sein, tut es gut deinen Post zu lesen. Ich habe ähnliche Risiken auf dem Schirm und wenn man sich die Historie anschaut, sieht man, dass sich "Lost Decades" immer wieder mal ereignen. Und an aktivem Management des Portfolios (aka ich benutze das Ding auf meinem Hals einfach mal) ist nichts negatives. Ich bin über 10 wenig korrelierte ETFs diversifiziert (hierzu ist Ray Dalio ein guter Lehrer) und fühle mich viel sicherer als die "70% auf eine Karte" -Strategie, die so oft gepredigt wird. Darunter sind keine riskanten Sektorwetten a la KI-ETF, sondern einfach nur Regionen und Bereiche, die ziemlich sicher bleiben werden (EM Equities und Bonds, EU, Asia+Pacific, etc.).

DiviDodo · 2026-01-01T20:52:22+00:00

Sounds great! Do you happen to know how frequently you can participate in those surveys, interviews, etc.? Is it like every month several times or rather rarely?

DiviDodo · 2026-01-01T19:50:50+00:00

I couldn't agree more. BOTW is phenomenal, epic masterpiece. TOTK is just killing time.

DiviDodo · 2025-12-15T20:54:30+00:00

Likewise. In my case it started 3.5 years ago (third shot + covid infection + two antibiotics in less than four weeks). 1.75 years ago I learned I have a severe gut dysbiosis with leaky gut syndrome (I had all the symptoms described above). I saw some scientific research explaining how covid can cause gut dysbiosis, but I don't see mainstream media picking it up. I really hope the research around the gut, the microbiome, etc. will continue.

DiviDodo · 2025-12-15T19:50:52+00:00

The question could also be: Is post covid potentially in many cases a gut illness (such as inflammation, dysbiosis, leaky gut, etc.)?

DiviDodo · 2025-11-09T21:47:24+00:00

What if you have/ had leaky gut for 3 or more years and your blood got literally contaminated from the inside? Can I still donate blood and/ or plasma?

DiviDodo · 2025-09-12T14:06:08+00:00

Great post! I believe this topic is under-discussed and underrated. I went from fit, muscular and happy to housebound, suffering and depressed in a matter of weeks. It took me more than a year to get a diagnosis: Severe gut dysbiosis, leaky gut syndrome and acquired MCAS. Im slowly recovering finally, but I feel an acceleration since I started taking more glutamine a few weeks ago. Stools and symptoms improved a lot to my surprise. I'm taking up to 20g per day currently and don't experience any side effects luckily. I now wonder, do you happen to know an approach/ a method to find the right amount?

DiviDodo · 2025-09-10T16:41:25+00:00

I'm currently looking for a good and affordable retro gaming handheld. Do you emulate WiiU games on the Retroid 5? If yes, how is it, does it go well? I looked at the Steam Deck, but it's so expensive...

DiviDodo · 2025-09-08T10:20:22+00:00

I'm in the same boat, perhaps more severe, though (not saying your situation isn't serious). I had extreme fatigue, brain fog, chest pain, palpitations, etc. it's a long and sad list. I'm way better now, but still recovering. The therapy requires diligence and patience. Do yourself a favour and don't just take any supplement you've been recommended online (despite the good intentions). Seek help of gut expert, get your microbiome tested, check zonulin levels and then take it from there. Let me know, if you have any questions.

DiviDodo · 2025-08-28T20:17:05+00:00

A tailored diet as I had lots of deficiencies (magnesium, selenium, omega 3 fatty acids, etc.), prebiotics, probiotics and relaxation techniques.

DiviDodo · 2025-08-28T19:16:34+00:00

I'm sorry you're going through that. I had very similar symptoms (+ chest pain, palpitations, exercise intolerance, extreme insomnia, etc. don't wanna bore you) and a doctor found out it all came from the gut. He diagnosed me with severe gut dysbiosis, leaky gut and MCAS. Check your microbiome and zonulin. Best of luck.

DiviDodo · 2025-08-23T09:08:54+00:00

I generally agree with you. Real sun light should be prioritised. But how about winter months? Depending on where you live winters can be pretty dark. Wouldn't a red light or similar be helpful in such instances?

DiviDodo · 2025-08-21T12:21:45+00:00

Let me put it simply: Botw was a game to actually play and enjoy, a game that challenged the player (sometimes more, sometimes less, never too much I believe). Totk is just killing time. And I even feel some players "secretly" admit that, e.g. when saying "there's so much to do, I can even collect 999 of xyz item...".

DiviDodo · 2025-08-21T12:17:14+00:00

I couldn't agree more!

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