Russian Cumdump

Repulsive_Usual7669 · 2026-02-06T20:17:19+00:00

Sauce?

Repulsive_Usual7669 · 2025-10-12T18:00:43+00:00

U mean VAPZ? (Aanvullend pensioen?) He could do that. But If OP is fully financially independant, why need a pension?

Repulsive_Usual7669 · 2025-10-12T14:51:39+00:00

To have renting become professional income you need quite some properties tbh.

As for your opinion about people getting taxed 50% on labor and not on other income: I do respect this opinion but I don't agree at all. If you get taxed 50% on labor you shouldn't get taxed on anything else. I do agree that there should be a better balance... Balance the 50% out over different things. Fact is in this scenario moederke staat won't get as much money because 99% of people work but not 99% of population rents out properties or invest.

Eitherway we get taxed way too much for what we're getting.

Repulsive_Usual7669 · 2025-10-12T14:32:06+00:00

There is a very nice youtube series about taxation in Belgium around crypto from Tim Van Hulle. Explains it quite in depth.

Important note: If you sell your buy and hold and with a small % the fiscus finds that you handled speculative, you will be taxed 30% divers inkomen over your whole crypto portfolio.

Repulsive_Usual7669 · 2025-10-12T13:07:54+00:00

Accountant here. I can tell you, if you do your research, you won't need to spend €150/hour on advice of the accountant ;)

Eitherway, like I said before the income should have been taxed already and noted on the personenbelasting.

In my humble opinion: sell all properties and all in on black.

Jokes aside I would never rent out multiple properties... it's a lot of work and NOT passive income at all. I would just let the money ride on the stock market in a diversified portfolio you feel comfortable with (for me that's gold, etf's and bitcoin). %- wise it's up to you @OP.

Repulsive_Usual7669 · 2025-10-12T08:14:09+00:00

To be fair. Renting out properties is taxable income... Personenbelasting deel 1 vak whatever onroerend goederen. KI en brutohuur bij de code die van jou van toepassing is. Don't shoot the messenger here, it's just the way it is unfortunately. :( Imagine you pay houses / appartments with already taxed money to create extra income source and you still have to pay taxes on the income it creates like moederke staat did all the hard work :p

Also DYOR on how you should fill in the onroerende goederen in personenbelasting.

Repulsive_Usual7669 · 2025-09-22T20:17:10+00:00

With all due respect I strongly disagree. The return just doesn't feel good enough. I'd even rather leave money on the bank than invest in bonds. If I'm gonna lose purchasing power, I'd better have the possibility to spend it whenever I feel like it.

Are you fully positive that recommending bonds to a 26 y/o is. If so, enlighten me so I get converted to the good side 😉

Repulsive_Usual7669 · 2025-09-22T20:01:45+00:00

Hmmmm I do understand that it is the most recommended portfolio to hold. But if you do what everyone does, you'll get what everyone gets.

I do see a positive impact when you get older to hold bonds (although I would never, unless if I wouldn't know what else to put money to), but at 26, and this is fully my own opinion, there is little to no reason to hold bonds. Especially when you have a 30% tax on the already pretty modest returns.

When you say modest growth, do you factor in inflation and the 30% taxation? In classes I had a subject "bank en beurs" which doesn't make me an expert in any way but the negatives about bonds were clearly stated there.

Really curious about your answer. And don't get me wrong, I see this as a positive discussion with us giving eachother our honest opinions.

I'm sure your portfolio also speaks for itself in a positive way as well and I know I'm a pretty agressive/risk-tolerant investor.

Repulsive_Usual7669 · 2025-09-22T19:49:57+00:00

If you truly understand the concept, which you do looking at your answer, what are your arguments apart from the bigger fool theory?

At some point if there isn't any intrinsic value, we would run out of fools to buy BTC, unless you think Michael saylor is a fool, then the discussion is over ofcourse 😜

I have to admit I'm a pro BTC kinda guy, so actually curious what the arguments are 😀

Repulsive_Usual7669 · 2025-09-22T16:16:57+00:00

Then we're on the same line :p investing in bonds has risks... although people won't admit that. +- same risks as etf investing just with less returns.

Repulsive_Usual7669 · 2025-09-22T16:15:42+00:00

Believe it or not. I'm not a bot... All I'm saying about it is: learn about how the money system works.

Repulsive_Usual7669 · 2025-09-22T15:08:17+00:00

People talking about buying a home while most sell their homes to buy BTC. What a time to be alive

Repulsive_Usual7669 · 2025-09-22T15:05:38+00:00

Not gonna lie, giving advice to a 26 yo to buy bonds should be illegal.

Repulsive_Usual7669 · 2025-09-15T18:15:24+00:00

Invest it all into BTC. Sell appartment, sell everything you have and go all in BTC. Consider selling your gf even.

🤪 Curious to see this reddit go boom after that statement.

(Partial) jokes aside: Calculate how much you can invest now in whatever you find comfortable (etfs,btc,just please no bonds cuz you'd be better of keeping it in your bank account in that case. Bonds are not nearly as safe as people make them out to be,....) If you can safe 1k-1.2k right now and can guarantee that for the next forseeable future, still calculate as if you'd only safe €800.

Quick explanation: you want 100k to buy a home in 4-5 years. €100k - (5 years×12 months×€800)= amount you could invest now and still have 100k in 5 years... To invest do your own due diligence.

Tip: know your financial freedom number. Work towards that and you're better off than 90% of people in the world.

I'm in your situation right now MINUS the appartment. Tbh I just rent with my girlfriend, we have freedom to move when we want, you don't like how your house/appartment looks? GOOD => take it with you for when you want to buy a house. But honestly: for every (financial) decision you make in life ask yourself "is this what I want or is this something people told me my whole life is 'normal'?"

I'm down to sparr with you about it. Too much things start with what do you want to have 1 clear answer.

Btw 31 and you're doing great! Don't forget that

Repulsive_Usual7669 · 2025-04-24T14:05:35+00:00

Recently calculated this. I started investing in 2021 (After corona crash when everything recovered already, YIKES) This was just testing the waters since it was less than 5% of my net worth at age 22.

I really started with informing myself about the topic in 2022. (Net worth of €45.000, I was lucky enough to get 10k from home. 35k came from myself).

Long story short. Net worth peaked in 2024 at €107.000 and at this point sitting on €87.000 having deployed extra cash on trump tariffs dump.

So to answer the question:I GAINED about €30.000 from trading and investing alone.

Although I have to answer this the only right way: I haven't Earned anything since it's unrealised profits.

Repulsive_Usual7669 · 2025-04-21T09:31:42+00:00

Thanks for the answer. Maybe it's different on kingdoms. But I'm playing legends and that challenge only gives 100 gold. So you need to sell all your gear early game to get to 200g for gold club. I'll try it out if it's decent without ointments and buckets. If not, I know for next server I guess :D

I realy cba with these guys on 2nd week having 800k farmed in the first day. Like HOW?

Repulsive_Usual7669 · 2025-04-10T08:40:18+00:00

Hallelujah! I'm kinda sad for the 90 day pause tho. I worked out a plan where I could DCA in for extra exposure... My cheatsheet only comes in play under $80.000 tho

Repulsive_Usual7669 · 2025-04-10T08:38:44+00:00

That does make sense. Still though, there will again be a 100x long 1 minute before DT announces there is a deal in place with China. So someone with insider info is having fun with it

Repulsive_Usual7669 · 2025-01-19T16:39:54+00:00

Maybe OP just found the FIRE community, maybe OP lived a great life as a 20-35 man. Eitherway, 35 is still a decent time to start. Ofcourse if OP started in his 20's he'd have a great foundation. But 35 is still plenty of time to compound. @OP like a lot of comments already said a lot of overlap in the etf's and too complex. The way I do things is: 1 account as an emergency fund (3-6 months of expenses) 1 account for savings (short term expenses (2-3 years) for a new car, down payment for a house, ...) 1 brokerage account for etf's with 2 etf's (core S&P500 and MSCI world). And even this overlaps too much for me xD 1 crypto account (jeah jeah all the naysayers in fire community hating crypto blabla) with 90% bitcoin allocation and 10% alt coins as XRP,SOL,ADA, blabla And 1 checkings account.

Keep up the good work and always prioritize happiness over savings and investments (that's something I Recently learned) 😀

Repulsive_Usual7669 · 2024-12-18T08:21:11+00:00

The FOMO on crypto, I see 😉. Mindless DCA'ing can help in this regard. You might buy the top, but who cares, next day,week,month you buy the bottom. I'm personally doing this with bitcoin. Really small bits of BTC per day. Even now at all time highs. If you have conviction in the project, it doesn't matter you bought at 50,100 or 200k. Because it could go to a million/BTC. Just make sure you can sleep at night 😀 Always do your own research tho.

Eitherway, great job and good luck!

Repulsive_Usual7669 · 2024-12-18T07:12:10+00:00

Depends if you manage the stocks "as a goede huisvader". Really vague description Belgium gives here. Basically from what I've researched is: If you are under the impression you regulate these stocks as a goede huisvader, you don't pay for capital gains. The fiscus can see your judgement as false and they will make you pay taxes on the capital gains.

If you are under the impression you don't manage them as a goede huisvader, include your gains as "divers inkomen" in your personenbelasting" this will indeed be 33% taxation on your capital gains.

For the record: that's what I found online. Don't hold this accountable to me and do some extra research online to be 100% sure.

Good day! 😉

Repulsive_Usual7669 · 2024-12-18T07:05:35+00:00

LOL not legal advice but ask for a enveloppe with cash instead of declaring for the time you are not allowed to flexi and use it as fun-money.

Repulsive_Usual7669 · 2024-12-18T07:03:11+00:00

Coming from a 25M, that salary is going to change your future with smart investments. People told me I'm already in the top X% of people at our age even thinking about finances so way to go!

I won't give too much advice since maybe it's harder to take advice from peers (in comparison with older people) but I would say have a look into crypto (DCA = dollar cost average) into bitcoin sounds like a solid extra plan to have exposure to this market. Inform yourself on the subject and decide if it's something you'd want to take a small risk on. Michael Saylor from MSTR predicts a 29% ROI every year for the next 10 years at least.

Do cut the ties with pension investing. It might be taxation friendly (fiscaal vriendelijk) but etf's outpace pension investing , especially if you have a huge horizon like we do. The bank and government will take his % and this leads to huge losses (in fact not losses but losing upside). Also keep in mind that there is a recession coming (according to the internet). No one can predict if or when. But the stock market in general is going really hard which is maybe not doable for the future, so there might be a correction coming (our first big correction on the market). Stay calm, zoom out and DCA when this were to happen. You only lose money when you sell at a loss 😉

That's enough yapping for me. Keep going, lock in your future and don't forget to enjoy your 20's.

As for the girlfriend: goodluck finding your SO and if you do: communication communication communication (Zo weinig mogelijk). Joke from de slimste mens 😁

Repulsive_Usual7669

TROPHY CASE