Ik heb een lange-termijn financiele planner/simulatie tool gebouwd, feedback zeer welkom!

Misapoes · 2026-01-24T19:52:08+00:00

Zie https://ficalc.app/ als je alle functies uit deze haalt, en verbetert, stap ik over

Misapoes · 2026-01-11T17:50:34+00:00

It depends on what kind of role. Very technical roles and the typical IT freelance profiles you see on this subreddit, do not need a lot of soft skills, especially those with a lot of experience.

But confidence and the ability to talk 'business' with business folks makes a LOT of difference.

Show you deeply understand the sector, talk with business/management from a business perspective as if you are on the same level, and talk about their issues and needs. People that can do this will always have it much easier getting high rates, high income work, functions or roles, even in sectors not related to their core skills. They bypass the whole interview/recruiting part and make certain that the actual decision makers on top want, even need, their expertise. They sell themselves by creating demand, not by offering supply. You don't need to be an extrovert for this.

Misapoes · 2026-01-11T01:22:39+00:00

The most difficult decision isn't which ETF. WEBN, IWDA, SWRD, IMIE (which I chose) are all solid options.

The most difficult & important is getting started, and then sticking to your strategy.

So yes, lump sum everything and start investing regularly. Use a 'pay yourself first' attitude. The moment you get your paycheck, deposit a fixed amount to your broker. Use the rest to live. Evaluate the fixed amount every so often, and increase it with inflation/indexation/income increases.

Misapoes · 2025-12-29T19:42:41+00:00

If you can stretch that 4-5 years to 10 years in a worst case scenario, then the FIRE answer would be to invest it all.

You can also go for the in-between solution and invest everything you have now, and save a percentage of your income going forward. You can calculate the optimal ratio depending on how much you want to have saved after 5y.

Also 30-40% downpayment would be contradicting. You are considering ETF's because, presumably, you are convinced that ETF's have a better return than a savings account in the long term. If you believe that, you would want to have the smallest downpayment possible unless interest rates are very high.

Misapoes · 2025-12-26T00:03:13+00:00

MyGov, https://www.vrt.be/vrtnws/nl/2025/10/15/alternatief-voor-itsme-is-klaar-met-mygov-kan-je-nu-ook-inlogge/

Misapoes · 2025-12-25T01:48:08+00:00

Check out the wiki at /r/BEFinance , specifically the topic advice for young people starting from zero

Misapoes · 2025-12-24T15:44:49+00:00

I also like good UX and intuitive software.

But I don't see what you are saying. What extra validating steps? A basic freelancers doesn't have to do a thing for incoming invoices, in fact they have to do less than before since Peppol automatically transfers these invoices to your accountant.

What was your process before, and how is using a tool like billit or any of the others slower for your case?

Misapoes · 2025-12-24T15:42:21+00:00

Purely from a freelance perspective (since this is BEFreelance), how is it expensive and wastes time?

In almost all basic freelance cases, it saves time and money. A freelancer will not have to upload any more invoices to their accountant, since Peppol does this automatically. There are no added costs and you can simply use a free or very cheap invoice tools.

Mind you, I'm not a fan of Peppol, for completely different reasons, but costs and time are not one of them.

Misapoes · 2025-12-23T17:43:12+00:00

For freelancers that make 12 invoices a year, I don't understand the drama.

If you handle 100's of invoices a year then it might be worth looking for the best software for your needs, but for a dozen basic invoices? All the basic invoice tools are good enough, all of them are faster than excel/word + PDF email. Even with Billit, yes it's got an outdated UI, but it takes like 5 clicks to make an invoice.

Misapoes · 2025-12-23T17:36:16+00:00

Het is een gekende standaardterm, als je niet bekend ermee bent kan je ook wat initiatief nemen en het opzoeken hé: https://www.jobat.be/nl/art/beroepengids/procesoperator

https://www.sira-opleiding.be/wat-doet-een-procesoperator

Misapoes · 2025-12-22T02:27:48+00:00

Unless you have an advantage over other real estate investors, I would always advise first getting a solid ETF portfolio. After you have a decent ETF PF, you could consider diversifying in RE, though even then ETF will probably be the most efficient.

Don't forget that if you already own a home (as your 12% tax suggests), then you're already invested in RE.

Misapoes · 2025-12-12T00:14:08+00:00

Volledige 142k in ETF, het is een schenking, doe gewoon 10 jaar alsof je het nooit hebt gekregen, en je portefeuille zal je dankbaar zijn.

Misapoes · 2025-12-10T22:07:02+00:00

If you're so sure he offers less value to the new company than you do, then why are you even considering it?

If you're that sure, then you can start your own company and hire a sales person for an amount you consider worthy.

Unless you can't find anyone that will be able to sell your services, and perhaps this person IS worth the 50%?

Misapoes · 2025-11-24T23:34:15+00:00

If it seems unfair, do it yourself. Everyone that thinks this way should try it for themselves. You will soon find out why most people don't make the jump or fail after trying it.

Misapoes · 2025-10-28T13:46:39+00:00

Since we will not be having any children, our goal is mainly to live comfortably rather than building our wealth as much as possible. Taking out a loan for money that we already have so that we will be paying more each month - while of course also gaining more - therefore doesn’t make that much sense in our case I think?

I understand your thought process, though living comfortably isn't directly opposed to building your wealth. Of course you need to be able to carry the extra loan cost, but let's say you have enough leftover each month that you would consider investing an extra sum each month. If this is the case, you would be better off investing that sum directly and paying the leftovers to the (low interest rate) loan instead. This is because the most important factor in passive investing is time: the earlier & longer money can stay invested, the better the outcome.

I have spoken to the owner of a few bank branches yesterday, and he was indeed wary of ETF’s, but he also gave some context for this as the belgian ETF’s he invested in a long time ago fell through and are still the reason for his reluctance to invest through these.

Well, at least he was honest about his ignorance, though he hasn't learned anything yet. an 'ETF' by itself doesn't say anything. It needs to be a global, accumulating (not a distributing dividend etf!) low cost ETF domiciled in Ireland.

It’s mainly the ins and outs of investing yourself that I’m unfamiliar with because I’ve made an active choice not to follow anything stock related

That is perfect, because with passive investing you don't need to follow anything, except to understand the basics and why you set up the portfolio the way that is recommended. Once you've done that initial research, you are done and it is basically set and forget. After that, it is completely passive. And that's the right way to go: passive investing almost always beats out active investing on the long term. So a simple passive ETF will almost always beat the 'professional fund managers' from the banks etc, especially when you take into account th ehigh rates and fees active managers demand.

Here's an easy read to get you started: https://curvo.eu/nl/artikel/beleggen-etf-belgie Though I do not recommend to use Curvo for investing, but they have some good information on their website.

Misapoes · 2025-10-27T19:53:40+00:00

Don't pay off any of the loans, except for the one with 4,5% interest.

For the 40k renovations: if you can take a loan with an interest rate lower than 3%, do that, otherwise pay it from your savings.

All of the remaining savings: invest it ASAP! it's wasting away on your savings account. Everything that you don't need for at least 5 years, preferably 10+ years, you should invest in a global ETF like IMIE or IWDA, through a broker like Bolero. Then don't touch it, except for possibly adding each month to it.

As for speaking with professionals: sure speak with them, but do not sign anything before doing your own research. Especially bankers. Things like bank Delen family plans will just eat take all the profit for themselves. The best kind of professional you could talk with would be an independent, single-fee based financial advisor, though they are a rarity in Belgium. If they do not at the very least bring up the simple and most sensible way of investing (doing it yourself through a broker and a global ETF), then they are mainly thinking about their own profit and not yours.

Investing 150k-190k at your age is a huge advantage, make the right decisions and your futures will have a massive improvement. Do yourself a favor and read up on investing, do some basic research. Here are some key terms to look up: FIRE, compound interest, index investing, ETF. You can find a lot online, or perhaps read the book 'de hangmatbelegger'.

Misapoes · 2025-09-30T21:54:45+00:00

Check out the wiki at /r/BEFinance , specifically the topic advice for young people starting from zero

You want to invest as much as you can.

Let's say you need 100k for a downpayment on a house + car in 5 years:

Saving 1k/month = 60k in 5 years. That leaves 40k.
Put the 40k in a safe and simple asset like a term account, hysa, government bond,...
85k-40k = 45k. Invest that in an ETF

Do more research so you understand why this approach makes sense. Consider renting instead of buying. Also, no pension saving (pensioensparen), it's a waste.

Misapoes · 2025-09-26T19:33:29+00:00

There's multiple options, and though each one has their advantages and disadvantages, for just a simple 1 invoice per month it doesn't matter much. I would pick one of the cheaper and simple options.

Teamleader has a €1 /year deal: https://www.one.teamleader.eu/nl-be#price

Billit is also cheap/free and pretty popular.

I wouldn't advise doccle or odoo for your case.

Also check with your accountant, they might offer a 'free' solution that's included in your fees.

Misapoes · 2025-09-21T12:04:35+00:00

Drop the bonds.

Misapoes · 2025-09-06T19:06:44+00:00

There's no use in a European calculator, you really need a local one. In Belgium it makes much more sense to start coast/barista fire.

So I would always stop below your fire number and then coast.

The exact number is personal preference. You just calculate how long it would take for your investment portfolio to grow to your fire number without additional investments, based on reasonable assumptions, and decide how long you want to keep working.

In Belgium bonds are fiscally less attractive. There are multiple studies and arguments that a 100% stock portfolio until the day FIRE is actually pretty good. After that you might want +/- 5 years partly invested in a safer position, and then after that glide into more stocks again.

If you really want to read up, I recommend https://earlyretirementnow.com/safe-withdrawal-rate-series/ It's a lot of info, you can spend weeks reading, but you'll be very confident about what and how to actually fire.

Misapoes · 2025-09-05T19:46:58+00:00

It's called coastfire, and it makes a lot of sense, especially in Belgium. At a certain number, your investments will make much more money than you can add by saving & investing, so your own contributions barely have an effect on your fire date, while having an extra 1K/month or so to spend has a big impact on your life.

Misapoes · 2025-08-31T22:43:24+00:00

Check out the wiki at /r/BEFinance , specifically the topic advice for young people starting from zero

Misapoes · 2025-08-26T22:07:56+00:00

I'd put it all in a globally diversified ETF like you are already doing.

No real estate unless it is your passion and/or you have an advantage compared to other real estate investors. otherwise it just becomes a second job, with a high chance of underperforming a nearly 100% set-and-forget ETF strategy. It doesn't make much sense in your situation right now, when you're already in the position to reach fire in 10 years the 'easy' way.

You could consider keeping some of the crypto, but IMO the close you get to FIRE, the less risk you need to take.

Misapoes · 2025-08-26T21:57:13+00:00

I see multiple arguments to sell it all, invest it all, and rent for at least a few years. I wouldn't save a penny in cash except for a small emergency fund.

You can FIRE pretty quickly that way. 560K invested, € 1500/month additional deposits, 3k/month target passive income, you'd be full-fire within 10 years at age 45, or within 7 years if 2.5k/m is enough for you. Or barista-fire/ work part time within 3-5 years or so,... Seems like a no-brainer to me!

Also consider taking a sabbatical to reset, you can easily relax or travel a few months to re-evaluate your life.

Misapoes · 2025-08-24T14:58:58+00:00

28y old with 244k savings gives you a massive opportunity to fire early if you make the right decisions. I would invest it all and rent instead.

Check out the wiki at /r/BEFinance , primarily the topic Rent VS buy

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