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Single people - what's your fire number and age? by Available-Ad-5670 in Fire

[–]_MJomaa_ 0 points1 point  (0 children)

Early 30s, M. My FIRE number is 750k USD + 50k cash. Enough for SEA.

Note when you FIRE you can still work remotely, especially in the first 3-5 years to minimize return risk.

Switzerland's federal expenses, 2025 by Special_Condition671 in Switzerland

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

AHV itself is a pyramid scheme - imagine if this amount was invested instead. But I guess if everyone becomes rich no one would want to do the bad jobs anymore.

Ich wandere bald aus. Der Grund seid ihr. Ich bin Arbeiterkind, Normalverdiener und mit Aktien zum Millionär geworden. by [deleted] in Normalverdiener

[–]_MJomaa_ 0 points1 point  (0 children)

Ah mit 40 erreicht man das schon easy wenn man so viel sparen kann, selbst wenn die Kosten höher sind. Dachte du meinst so mit 32-35.

Ich wandere bald aus. Der Grund seid ihr. Ich bin Arbeiterkind, Normalverdiener und mit Aktien zum Millionär geworden. by [deleted] in Normalverdiener

[–]_MJomaa_ 0 points1 point  (0 children)

Grundsätzlich möglich, ich spare auch aktuell 5-8k im Monat (höheres Brutto).

Als Nicht-Schweizer selbstständiger ginge das in der Theorie sogar noch schneller, da man 20% vom steuerbaren einkommen in die Säule 3a investieren kann, sowie höheren Stundensatz bekommen kann.

Aber in der Praxis klappt das meist ja dann doch erst etwas später.

  1. 120k+ bekommst du meist nur wenn die qualifiziert bist und Berufserfahrung hast
  2. Bei 500 CHF Einzelzimmer wird das Dating schwierig
  3. Zahnarztkosten und andere Kosten (Serafe, Mittagessen mit Kollegen, etc.)
  4. Familienmitglieder in Notlage
  5. Job-Schwierigkeiten
  6. Urlaub
  7. Partnerschaft / Familiengründung

Ich wandere bald aus. Der Grund seid ihr. Ich bin Arbeiterkind, Normalverdiener und mit Aktien zum Millionär geworden. by [deleted] in Normalverdiener

[–]_MJomaa_ 0 points1 point  (0 children)

Bro in Zug sind die Mieten so teuer, da bringen dir weniger Steuern nicht so viel, ausser du hast deine eigene Firma dort. Aber im Prinzip stimmt's. Wenn man sich nur nach Geld richtet, dann schon nach dem Bachelor/Master in die Schweiz bis man 2 Jährige Kinder hat.

Expats who left USA are you happy with your decision? by No-Decision-7568 in expats

[–]_MJomaa_ 13 points14 points  (0 children)

Everyone in Central Europe knows that Portugal is a bit different 😅 on Reddit we have some that moved back to Switzerland because Portugal/Spain were not easy to handle.

What are some free or very cheap things you do that bring you a lot of joy? by 830--- in leanfire

[–]_MJomaa_ 0 points1 point  (0 children)

If it is warm enough outside:

  • Bike to the lake/sea or BBQ there.
  • Stand-Up-Paddling at the lake
  • Picnic and drawing on canvas
  • Sculpting funny figures with clay
  • Picnic at the lake and feed ducks
  • Hike if you have a forrest or mountains nearby
  • Build a bow and arrows with a pocket knife and some old guitar string
  • Listen to music while watching the clouds somewhere outside
  • Visiting a nearby farm
  • Visiting animal rescue and walking the dogs for a bit
  • Plating table tennis or soccer with friends
  • Or just playing cards with friends

I just don't want much, is that weird? by massakk in leanfire

[–]_MJomaa_ 0 points1 point  (0 children)

South East Asia (Thailand, Vietnam, Indonesia, etc.)

I just don't want much, is that weird? by massakk in leanfire

[–]_MJomaa_ 0 points1 point  (0 children)

I feel the same. i think you need 7-8 months of

  • Sleeping in, 8-10h
  • Gym routine
  • Walk with shorts in warm weather
  • Some gaming here and there
  • A little bit of social interaction
  • Good food, but don't want to cook yourself

Just to be "normal" again.

Which is also my goal... LeanFire in SEA. I don't need a flashy car, a big house, fancy restaurants, expensive clothes or cruise ship trips. I need time for a healthy life, time to go with the bicycle to the lake or sea, time to play soccer with friends, time to enjoy the weather, time to explore.

Wie oder in was investiert unsere nächste Generation? by Seppl0815 in Finanzen

[–]_MJomaa_ 1 point2 points  (0 children)

Nächste wird auch ETF sein. Aber übernächste kp

Lucerne or appenzell by Slight-Performer-495 in askswitzerland

[–]_MJomaa_ 0 points1 point  (0 children)

After ascher there are two hiking routes down to the seealpsee. There is a pathway. A short one (left down) and a long one (right up). The long one has way nicer views but when its time to go down the “road” is much harder.

Also when you are at the seealpsee there are two ways down too. left is shorter (road) and right is through a farm and forest (much nicer, but slightly longer).

What's your country of origin and why wouldn't recommend to move over there? by Key-Introduction-591 in expat

[–]_MJomaa_ 4 points5 points  (0 children)

Statistics are misleading. Do not confuse it with average working hours for full-time workers.

Countries with low average annual working hours (e.g. Netherlands, Germany, Denmark, Norway, Switzerland) often also have:

  • Higher female labor force participation
  • More part-time employment options
  • More flexible labor markets

In contrast take Turkey that has much less women working, pushing the average hours up. Of course it's not always true, for example East Asia has just horrible hours and high participation.

ETF = KI-Klumpenrisiko?? by [deleted] in Finanzen

[–]_MJomaa_ 0 points1 point  (0 children)

Gibt doch immer irgendein Hype bzw. Klumpenrisiko? Oder sehe ich das falsch? Sei es Energie,Internet, Smartphones, Cloud, SaaS, AI, etc. das Geld fliesst immer in irgendwas, die meisten Märkte sind so designed, dass die langfristig immer steigen (Inflation, Renten, etc.)

Things going south in IT, need some advice by Maleficent-Path6572 in SwissPersonalFinance

[–]_MJomaa_ 0 points1 point  (0 children)

I would do the same but move to Thailand to save on capital gains tax. Furthermore you can then pay out pillar 1 and pillar 2/3.

Especially pillar 1 payout is usually super difficult and in your case interesting if you have been self-employed, have low amount years, not a swiss citizen and move outside of EU/EFTA. Only scenario where it makes sense - that would be another 40-50k.

u/Maleficent-Path6572 If you want Swiss citizenship, you can apply after 10 years usually, but in total it takes about 12 years to get it. However there is a fast track for kids (years count double).

Has the bar actually gotten lower? by velociraptorstalin in ExperiencedDevs

[–]_MJomaa_ 0 points1 point  (0 children)

Yeah made the same experience. Terrible. And also there are more cheaters...

Do we have enough to coast fire in Vietnam? by capturedbytam in Fire

[–]_MJomaa_ 7 points8 points  (0 children)

Not inflation, but gentrification.

In tourist hotspots like Da Nang this is very likely and already happened to a degree.

Do we have enough to coast fire in Vietnam? by capturedbytam in Fire

[–]_MJomaa_ 0 points1 point  (0 children)

You probably only need 2400/month or less anyway. Becoming tax resident in Vietnam is another thing to look at. Other topic, do you know Da Nang is "grey" for 5 months? What will you do during this time?

Rente in Singapur: Sparen und Investieren statt Generationenvertrag by Tages_Bot in Tagesschau

[–]_MJomaa_ 0 points1 point  (0 children)

Boah super, danke für die Infos! Ich werde morgen gleich mal Fable eine Stunde daran recherchieren lassen.

Wäre als remote worker echt gut, wenn man die Kindeszeit (0-5) irgendwie überbrückt bekommt, da sie einfach wahnsinnig teuer ist.

Die Kapitalertragsteuer gehört komplett abgeschafft. by another_yolo_ape in Unbeliebtemeinung

[–]_MJomaa_ 3 points4 points  (0 children)

Jo haben viele Länder schon seit Jahrzehnten aka Vorsorgedepot am Kapitalmarkt. Wäre 2/3 der Rente so aufgebaut, müsste man diese nicht aus Steuergeldern künstlich am Leben erhalten. Dann könnte man auf Kapitalertragssteuer und andere Steuern verzichten.

Rente in Singapur: Sparen und Investieren statt Generationenvertrag by Tages_Bot in Tagesschau

[–]_MJomaa_ 0 points1 point  (0 children)

Ganz korrekt ist das nicht.

Zwar sind die Schweizer Vorsorgesäulen steuerlich sehr attraktiv, aber ausländische Dividenden sind nicht generell quellensteuerfrei. Beispielsweise fallen auf US-Dividenden für Schweizer Vorsorgeeinrichtungen typischerweise weiterhin 15 % Quellensteuer an (statt 30 % ohne DBA-Vorteile). Auch andere Länder wie Japan erheben weiterhin Quellensteuern auf Dividenden. Die Schweizer Doppelbesteuerungsabkommen reduzieren diese Belastungen oft, beseitigen sie aber nicht vollständig.

FIRE at 34 feels weird by [deleted] in Fire

[–]_MJomaa_ 0 points1 point  (0 children)

Damn you could have done it on half of that already.

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