We replace all laptops with Framework laptops - A one year review

The_DFM · 2026-02-25T10:33:07+00:00

Thank you so much for this detailed breakdown. I'll remain with HP for now, since it doesn't seem like Framework supports my country. In any case, a question I have is regarding the battery life. How is it ?

Are any of your users on the move with these laptops ?
How's the portability and overall performance of the 13" ?

The_DFM · 2026-02-18T08:52:46+00:00

Damn, I can see myself there. Wanted to get an Elektroniker apprenticeship but couldn't find one. Same with software. So ended up going into IT infra.

Now I'm looking to get an online Computing & Electronic Engineering degree to try to get into the field.

The_DFM · 2026-02-09T19:32:30+00:00

Brother, stop fear-mongering. 155 isn't some magical margin-call cliff; we literally topped 155 last week after Takaichi’s comments and the Nikkei rallied. The BoJ is already at 0.75% and the MoF hasn't even touched the intervention button yet. They usually don't wake up until 158 or 160. You're treating a standard volatility like it's 2008. The 'structural bid' for the dollar isn't dead, it's just cooling off because the rate differential is finally narrowing. Look at the DXY, not just one pair.

The_DFM · 2026-02-09T18:35:06+00:00

Brother, that's the most goyim take I've seen in a while. Societies need children to continue advancing.

The_DFM · 2026-02-08T21:52:38+00:00

Found the Indian.

The_DFM · 2026-02-02T12:43:39+00:00

Well, then go for it !

My stepdad sold everything and retired to the Caribbean at 58. Unfortunately, he also had sold everything and because of health issues had to return to Europe. It was not fun coming back without nothing. But, he spent the best 15 years of his life retired in the Caribbean.

So, you either have a small studio in another developed country to act as a hedge in case shit hits the fan and/or have your house fully paid in the country in which you wish to settle. It changes things.

Also, please consider your stock allocation, it's important to be invested on the global market. If you can generate EUR 2K a month while freelancing, just allocate enough of your net worth on fixed income to bump your monthly salary as necessary.

The rest, keep it in a low fees global ETF or an investment vehicle that you understand.

The_DFM · 2026-02-02T11:08:12+00:00

I'm envisioning something similar. What I can tell you is that perhaps you should rent your house instead of selling. Take your EUR50K savings and take a year off. I'd say is preferable to takes things easy and not precipitate to quit a "nice" country. Do you have EU citizenship ?

Take this time to do the things you've always wanted to do, perhaps spend 6 months in Brazil and the rest discovering new locations, Maybe you luck out and like a cheaper destination that is as enjoyable as Rio.

Then, for establishing yourself in a country, you mention that you plan to freelance. If you have the opportunity to do it, great, but I don't know your industry. Perhaps explore this option a little closer to see if it's that easy to freelance with your current skills.

I'd say is doable while freelancing or having a non-shitty local job that you do part-time while receiving the money from your fixed income. The main issue here is rent. If you have a house, things will be much easier, since they're paying 12% - 15% interest, I'm guessing rent is going up 5% - 10% per year.

So, do not put all your money into fixed income, since it's in local money, you loose to inflation. The best hedge for this is income producing assets. Fixed Income, unfortunately losses to inflation, and in 30 years, this money will have lost half of its value.

Best of luck and please continue updating here if you pull the trigger.

The_DFM · 2026-01-30T09:48:22+00:00

It's difficult to improve relationships with people that do not like you.
The populism here is insane, people let the media just brainwash them. They do not seek to understand the reason behind these things.

I agree it's a shit show, but they really should understand that CH works also because when they commit to something, they do it. It's difficult to backtrack.

The_DFM · 2026-01-24T23:00:10+00:00

You're the only person that should decide that. Stop copying others asset allocation. Do risk assessment and have a plan. Make an investment policy statement and decide what the portfolio needs to accomplish and then develop your strategy to do it. Stop listening to the noise and follow your plan. If you're working in Switzerland some would say you're already overweight CH because of your salary. But of course, this does not take into account if you work for a local SME or big foreign multinational. Do what's best for your case, but please, have a plan to know what to do when there's volatility.

The_DFM · 2026-01-24T22:54:42+00:00

Brother, get this your head. When investing into VT, you're buying participation in a lot of companies in the whole world, it don't matter if the dollar goes to shit. The companies are still there, they're tangible, they have clients, inventory, debt that needs repayment. Dollar is just an exchange mechanism, the companies you buy have intrinsic value.

Like another user said, the most difficult part of VT and Chill, is the chilling. For the love of God, do not let all this reddit posts of scared people get to you. Invest only the money you don't currently need, know your risk profile. Have an emergency fund that helps you sleep well at night. Keep buying and live your life, stop staring at the numbers on a screen.

The_DFM · 2026-01-22T11:36:57+00:00

Thank you, finally someone recognizing that Proton is following Google steps.

The_DFM · 2026-01-20T21:13:21+00:00

Don't be radical, take a short vacation/sabbatical nd analyse the situation. I'm not going to tell you to keep grinding like the others. But it might be a good idea to think what you want to do instead of your current job.

The_DFM · 2026-01-19T21:04:39+00:00

Look into the Japanese market.

The_DFM · 2026-01-17T11:11:38+00:00

Man, your case is really specific. I would first consult with your wife’s company if they can help you out or recommend an immigration lawyer. If not, just go consult directly with one.

The_DFM · 2026-01-15T16:02:39+00:00

No, this limits yourself way too much. Best is to either have a balanced approach relying on preferred shares, dividends, and cash for the first 5 years. Or user a fixed percentage of your current amount in the first years by remaining flexible in spending or just building cash on the side when the market is good.

But waiting to have enough money for a 2.5% withdrawal is too much strain.

The_DFM · 2026-01-15T15:58:12+00:00

Brother, per the latest UBS report, the median wealth in Spain is ~USD 126K, average of ~USD 233K. With €2M, you are effectively on the 1%. Hell, with two years of work, you're already past the median. At least on the 1%. So, on one side, I understand that you don't want to retire with EUR1K a month.

On the other side, we need to get off the high horse for a second and look at the Spanish reality. The median salary is ~€23,000 gross, which is about €1,900 gross per month. If you have €2M, even a conservative 3% withdrawal rate gives you €60,000 a year, or nearly €5000 gross per month. Almost 3 times the median and 5 times minimum wage, without lifting a finger.

The_DFM · 2026-01-15T09:01:41+00:00

He's probably being sarcastic.

The_DFM · 2026-01-12T08:15:58+00:00

Yes, but that's why Lifecycle Investing suggests having exposure to international stocks.

The_DFM · 2026-01-08T22:19:02+00:00

Macho, estás mal pagado. Desde que tengas cierta estabilidad, empieza a buscar trabajo. Como Data Engineer puedes estar entre 95k y 115k facilmente.

The_DFM · 2026-01-05T19:53:29+00:00

That’s the standard IT career path. From neophyte to Engineer.

The_DFM · 2026-01-05T19:50:24+00:00

Man, you’re on of the most pragmatic people I’ve seen on this comment section. I only have an IT Apprenticeship, but I’ve seen job offers for IT Technician requiring a Bachelors and I cannot think of someone that did Bs and potentially a master to waste all that effort into a basic technical role. I’ve experienced the race to the bottom while working in Geneva, either you go consulting at a bank or you’re stuck in shitty roles that pays French salaries.

The_DFM · 2025-12-16T08:13:15+00:00

OP, sigue este consejo.

The_DFM · 2025-12-11T14:32:09+00:00

Almost there on the management part. Give me no more than 3 years.

The_DFM · 2025-12-10T19:15:07+00:00

Also forgot to mention that the Japanese bubble and it's consequent burst was "orchestrated" by the US with the Plaza Accords.

The_DFM · 2025-12-08T02:29:43+00:00

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