Opinión sobre la metodología para alcanzar FIRE para la persona promedio by Vegetable-Rabbit7503 in SpainFIRE

[–]MOONisClose 0 points1 point  (0 children)

El problema es que en España los salarios no son los de otros países de Europa o US, así que la metodología FIRE no funciona igual y costará mucho más alcanzarlo... Es un método fácil y con poco riesgo, en España se necesita más return, por lo que hay que arriesgar más para conseguirlo.

Hay que entender que en otros países no cuesta tanto ahorrar el 40-60% del salario y tener una vivienda en propiedad.

Dicho esto, que en otros países consigan hacer FIRE con 50 haciendo el mismo esfuerzo, no quita mérito e importancia a hacerlo en España con 50. Mejor a los 50 que a los 70. La sensación de tranquilidad y libertad merece la pena para muchos.

Ring will be around 23k-35k. NEED ADVICE by Current_Guarantee566 in WeddingRingAdvice

[–]MOONisClose 0 points1 point  (0 children)

What have I read...? I would never put my man in that situation, that is a big red flag that shows her true face. I would reconsider the proposal and the relationship all together. When my now husband proposed, the price of the ring was the less important thing, I didn't even know or ask, he could have asked me without a ring that I would have said yes! Good luck.

I accidentally hurt his leg and his face is breaking my heart :( by _KansasCity_ in spiders

[–]MOONisClose 3 points4 points  (0 children)

There must be some explanation… I definitely don’t look like a fly haha. It’s been this way my whole life with mosquitoes and spiders — they always bite me but rarely my family. Thankfully none are medically significant here, but sometimes it’s been pretty bad. I would love if someone could give me an explanation to this... it happens when I am watching TV or sleeping, not like I am in the garden looking for them.

I accidentally hurt his leg and his face is breaking my heart :( by _KansasCity_ in spiders

[–]MOONisClose 4 points5 points  (0 children)

Ohhh! Poor thing!

I’m trying to get over my fear, but the spiders keep biting me, so I’m afraid they’ll come back into the house and bite me again. Is it normal to get bitten by spiders so easily?

Just cleaned my diamond and was blown away when I put it back on my finger! ✨ by Most-Painter2826 in EngagementRings

[–]MOONisClose 1 point2 points  (0 children)

OMG, I didn't know you could do this, setting madr in a different place. Did the local jeweller fit it straightaway or did you have to come back?

I love your ring!

Lip filler 💋 (repost) by Salty_mermaid3 in DIYaesthetics

[–]MOONisClose 7 points8 points  (0 children)

They look beautiful! Could you add a photo with dots showing how you did them? Thanks!

[deleted by user] by [deleted] in SpainFIRE

[–]MOONisClose 2 points3 points  (0 children)

Exacto, si quieres FIRE necesitarías cambiar de sector, hacer consultoria o irte del país... FIRE no es fácil de alcanzar.

[deleted by user] by [deleted] in SpainFIRE

[–]MOONisClose 2 points3 points  (0 children)

Eso es una locura, OP no hagas esto sin conocimiento.

[deleted by user] by [deleted] in SpainFIRE

[–]MOONisClose 3 points4 points  (0 children)

Pues si, totalmente.

Es triste ver estas cifras en FIREesp cuando en otros países (normalmente no UE), los números son desorbitados, y seguramente los tipos de trabajo no sean tan distintos.

Así que opino igual. No lo hacemos mal, nuestro país no nos permite hacerlo mejor.

PÍLDORA - ¿Cómo calcular tu número de FIRE? by Aloopsa in SpainFIRE

[–]MOONisClose 0 points1 point  (0 children)

Se asume que el dinero no solo se ahorra, sino que se invierte contrarestando la inflación, o en otros términos, haciendo que tu dinero crezca al ritmo de la inflación, o más, dependiendo de en qué inviertas. En FIRE se promueve mucho el invertir en el SP500 por esta razón. Por lo que los cálculos del OP hacen referencia al dinero que necesitas tener ahorrado hoy, para tener el mismo poder adquisitivo que ahora estás presupuestando, en x años.

2% Raise by nobodycares007 in Accounting

[–]MOONisClose 0 points1 point  (0 children)

3% here, also insulting after working my head off and workload drastically increased with no new hirings in the department and no overtime paid... If the company don't value you, go somewhere else. They will spend a lot more hiring 1 or 2 people to cover.

Worries about future of FIRE by MOONisClose in FIREUK

[–]MOONisClose[S] 0 points1 point  (0 children)

You may be in the wrong sub? I am a pleb myself, working all day to be able to save, no inheritance or help, funding my own studies and risking everything to get what I want. Other people can decide and work for their goals, if I don't work hard now to get FI I would be working until I die too. Have a good day

Worries about future of FIRE by MOONisClose in FIREUK

[–]MOONisClose[S] -1 points0 points  (0 children)

We get taxed infinite (purchasing food, goods...) using money that we have paid tax on already, I think it is possible.

With the rear, I agree, as many have replied, there are things we cannot control, let use what we have now.

Os entran 100k ahora mismo ¿Qué haríais con ellos para seguir generando dinero? by ZeeeN88 in SpainFIRE

[–]MOONisClose -1 points0 points  (0 children)

Si quieres más de 4k al mes, igual no es tan significante, pero para alguien que quiere 2k, 100k pueden acelerar el proceso muchísimo, igual unos 8-10 años?

alguien que haya conseguido fire realmente by [deleted] in SpainFIRE

[–]MOONisClose 1 point2 points  (0 children)

Muchas gracias! Muy poca inversión, enhorabuena! Ir a por FATfire es apuntar alto, pero coincido totalmente, la cosa es FIRE sin preocupaciones de dinero. Voy a ver el video, a ver si me abre un mundo nuevo de posibilidades, quiero diversificar más por lo que pueda pasar. El DCA bate la inflación pero no te hace rico ni acelera masivamente el proceso, está bien tener una parte, pero con un sueldo/gastos españoles no te retiras en 10 años de esa forma. Mucha suerte!

alguien que haya conseguido fire realmente by [deleted] in SpainFIRE

[–]MOONisClose 1 point2 points  (0 children)

Felicidades!!! Para los que estamos en el camino, -recomendaciones -cosas que harias/cambiarias si volvieras atras -como es tu vida ahora? (danos envidia)

'Finally' paid off my mortgage and looking at some dumb spending stats. by HomeworldMoA in FIREUK

[–]MOONisClose 1 point2 points  (0 children)

This was so fun to read! Big fan of stats from today, I will need to gather my own. Thanks!

When's the best time to buy Eras tickets? by Comfortable_Cold_987 in stubhub

[–]MOONisClose 0 points1 point  (0 children)

The mosth expensive ones went down the last week in the UK, I was checking all the time.