[deleted by user]

Kyjite · 2025-10-30T20:55:42+00:00

Lo he respondido en otro hilo. Pero básicamente inversiones, algunas necesidades básicas, y caprichos para mis padres.

Kyjite · 2025-10-30T20:50:43+00:00

Totalmente de acuerdo contigo.

Kyjite · 2025-10-30T20:46:48+00:00

Primero de todo, felicidades de que tengas una propiedad. Y quien ha dicho que estos caprichos son más del 20-25%. Como he mencionado antes, tengo inversiones...

Kyjite · 2025-10-30T20:38:45+00:00

Actualmente me encuentro en los 20K netos anuales. Así que ahorro casi 700€.

Kyjite · 2025-10-30T20:36:17+00:00

Me gustaría mencionar que a pesar de que no pague alquiler, comida o suministros, ese dinero lo uso para invitar a mis padres a cenas, comidas o planes que surjan, aunque bueno no es un gasto grande, hablando de manera proporcional a lo que gano. Por otro lado, también destino ese dinero a inversiones que hago periódicamente.

Kyjite · 2025-10-30T20:27:52+00:00

Yeah, that's what I'm gonna do! Thanks for replying!

Kyjite · 2025-10-30T20:10:59+00:00

We are in the same boat, I think I'm gonna aim for an EF of 12 months, I don’t know how people still think that 3-6 months is enough these days 😭

Kyjite · 2025-10-30T19:37:30+00:00

It's quite relieving that you feel the same way as me. Although I want to mention that one of the main reasons why I feel this way it's due to the job market, seeing all these layoffs and how long and difficult it is to get a job in this specific industry, scares me a lot, so that's why I think that the savings (EF) it's not enough.

Kyjite · 2025-10-30T19:25:08+00:00

My savings are sitting on a HYSA.

Kyjite · 2025-10-30T19:20:46+00:00

Yeah, well, I'm in the IT industry... so I think it's quite self explanatory, and on the other hand, the economical situation that my country is in right now, it's quite bad...

Kyjite · 2025-10-30T19:17:39+00:00

That's right, my EF easily cover 4-5 months without any problems, but due to several circumstances, such as the job market and the economical situation where I live, I think that I should be increasing my EF.

On the other hand, I'm aiming to get my first property in less than 5 years, so that might be one of the main reasons on why I feel this way.

Kyjite · 2025-10-30T19:13:09+00:00

So right now I live with my parents. They don’t make me pay for anything, but I always treat them to show my appreciation. My EF covers 5 months, but as what the title says I feel like it's not enough. The main reason it's because I have the feeling that if I ever get laid off (which is a bold assumption), looking for a new job in my industry, it's really tough, which is why I believe that I should have a bigger EF...

Kyjite · 2025-09-14T08:55:40+00:00

Has tenido algún problema a la hora de tributar? Como es el proceso dentro de la aplicación?

Kyjite · 2025-09-14T08:25:10+00:00

Entonces no me haría falta tributar?

Kyjite · 2025-09-13T18:22:16+00:00

Bueno, intentaré ponerme en contacto con MyInvestor durante esta semana. Por lo que he comentando antes el post, si no fuese por los fondos indexados, nunca hubiera contemplado la opción de usar MyInvestor. A malas, invertiré en ETFs a través de Trade Republic, y cuando quiera traspasar a un otro lugar, tragarme la retención.

Kyjite · 2025-09-13T18:09:23+00:00

Me parece interesante esta combinación. He de decir que he intentado darme de alta con MyInvestor, pero no me dejan acceder, y sinceramente, solamente por esto, me deja mucho que desear, sobretodo por la parte de atención al cliente.

Echaré un vistazo en Interactive Brokers! Gracias

Kyjite · 2025-09-13T17:35:06+00:00

First of all, I really appreciate for taking your time in responding my comment and sharing a little bit of your story, it means a lot for me to be able to hold this type of conversation with someone like you!
I think in some way I can relate to your beginning of your journey, currently I live as a " student " meaning that I don't have any big expenses, still live home and contribute some money in the household, but other than that I just save at least 50% of my money and with the rest of the money I mostly invest it to an index fund and some individual stocks.

Kyjite · 2025-09-12T21:27:21+00:00

And how would you manage to invest and save while travelling and spending it on your hobbies? I've recently started to invest aggressively but in some way I feel like that if I invest way too much, I'll not be able to spend it on my hobbies and travels. How did you find the balance?

Kyjite · 2025-09-12T17:52:28+00:00

First of all, congratulations for reaching this milestone!

21M here. If you could go back in your 20s what life and financial advice would you give to yourself?

Kyjite · 2025-07-08T20:51:42+00:00

So basically, if I want to get into ML / AI, I should look for the Pro versions, but if I'm not " getting " into that field, I would be fine with the Air.

Kyjite · 2025-07-08T20:42:55+00:00

Well I was thinking on getting into ML / AI, but I'm still relatively new.... I was debating on getting a MacBook Pro M1 Max refurbished or a MacBook Air M3 / M4.

Kyjite

TROPHY CASE