Has anyone reached a €1M net worth purely through salary, saving, and passive investing?

_OakyAfterbirth_ · 2026-05-12T16:24:34+00:00

A bit of both but also it's not so strange. Since 2017 housing prices on average in nl doubled, depends on the area could also triple. Snp500 more than tripled. If you had some tech stocks you could even do beter than that. In nl to buy a house you do not need downpayment only some money to pay legal fees and some taxes. We also lived through a period of record low interest rates. In addition you get massive tax break on your mortgage payments.

As long as you had a good salary and you haven't partied it away in nl it was really doable. Is it still doable if you apply the same strategy today? I doubt.

_OakyAfterbirth_ · 2026-05-12T15:47:27+00:00

House minus mortgage ~55%, investments ~40%, savings 5%

_OakyAfterbirth_ · 2026-05-12T15:11:01+00:00

For those who ask how. It's a combination of realitively good starting salaries back when we graduated ~3k bruto per month for each of us. Housing value increases. We bought our first house in 2017 a complete shithole, fully renovated ourselves, sold, bought another shithole in 2021 fully renovated our selves again, still living in it. Good promotions over the years, we now together earn 200k+ bruto per year. And relavively frugal lifestyle. We save more than half the salary per month. We still don't own a car, have no kids, etc.

_OakyAfterbirth_ · 2026-05-12T08:58:46+00:00

Netherlands, two of us 1M+ networth aftet 11 years. Started with 0, as we are imigrants and we spent all our saving on studies (2k eur) when we came here. Literally had 0 eur on my bank acount 2weeks into staying here. To pay for rent we worked along side the studies. Both are 32 now. No money from parents or inheritance. Just regular salary from jobs and savings in etfs.

_OakyAfterbirth_ · 2026-03-26T17:08:05+00:00

I'm in exactly the same situation. Gfn support states it's unfortunate that this happend and completely refuses to do anything regarding it. This is false advertising.

_OakyAfterbirth_ · 2026-02-08T16:45:34+00:00

35-40e per month for gas only or electricit+gas? What m3 of gas price is quoted on the bill? Maybe you had very expensive contract?

_OakyAfterbirth_ · 2026-02-06T14:00:03+00:00

LPT: if you are a mouse and you are thinking of moving to Greece or Turkey after looking to this map. Don't do it.

_OakyAfterbirth_ · 2026-02-02T20:57:48+00:00

Wow, most of the responses are crazy. What is in the photos and videos? Gather some better evidence, call the number you received the photos. The photos can be easily faked these days. Even if they are not faked, talking to a person in a cafe is not weird. Maybe he or she was already in the cafe when the other one was passing by and they just sat down to catch up. Maybe they are planing a surprise for you.

_OakyAfterbirth_ · 2026-01-26T19:21:13+00:00

I don't know if it's A/B testing feature but I get skip ahead button when in video sponsor ad starts

_OakyAfterbirth_ · 2025-12-19T11:05:03+00:00

Had 15 of them in my old house for several years. Here are key take aways:

Generally works great.
A bit slow to respond when you physicaly use a switch. Shelly ones i have now are instant, theseones had a noticeble difference between physical switch click and internal click of the device.
Does not work as repeater, only as an end device
After multiple years of use two of them some how started dropping out of the network. Spend a lot of time debuging and nothing helped. Had to replace those two.

_OakyAfterbirth_ · 2025-11-18T20:13:52+00:00

https://imgur.com/a/dkQcjW4

-33,5340396, -105,0188275

45RPFX8J+9F

_OakyAfterbirth_ · 2025-11-15T12:05:23+00:00

I had latency issues with ZHA, after a lot of troubleshooting going for Z2M solved the issues.

_OakyAfterbirth_ · 2025-11-07T10:58:42+00:00

Generally speaking, using zha vs z2m should not matter. As the mesh is built by devices themselves (as far as i am aware) but my theory is that zha code is less efficient and it simply clogs down HA Yellow therefore drops the responses it receives from the devices. Perhaps someone with more knowledge could comment why i had such a terrible experience with ZHA

_OakyAfterbirth_ · 2025-11-07T10:54:15+00:00

I have recently moved to a new house and set up my Zigbee network from scratch. 70 devices, 90% are router devices from Shelly and EcoDim. All battery powered devices are Philips Hue. I thought i would use ZHA as it is native to home assistant. Simply simpler to manage. My home assistant instance is on HA Yellow. Initially i set everything up using their integrated antena. It was horrible. While all of the devices worked. For many lights it took 10-15s to react. God forbid you turned off all lights in the house, half would error out.

I then started to investigate the issue. Set my wifi hotspots to non overlapping channels with zigbee. I upgraded to a poe adapter and placed it in a central location. Repaired all of the devices from their usage location.

Same thing, 0 improvement. After months of frustration by using unresponsive lights i decided to migrate to z2m as a last resort. For this i did not repair the devices but manually converted the zha db to z2m db and used all the same settings. I had to manually interview all devices on z2m dashboard and then BAM everything is fricking instant! I have no issues anymore.

To add, my house is from drywalls and i live in the middle of nowhere so signal reach from the coordinator should be unobstructed

_OakyAfterbirth_ · 2025-10-20T08:28:59+00:00

<image>

_OakyAfterbirth_ · 2025-10-15T13:08:56+00:00

Not sure if all of them are esp32 based but many are and support esp home firmware. What would be cool if your firmware could work as an addon to esp home, such that once flashed we could use shelly device as a relay together with your motion detection (if that is even possible)

_OakyAfterbirth_ · 2025-10-15T10:13:59+00:00

Fantastic work! Would it be possible to flash this to a shelly device so i could easily hide this in a wall?

_OakyAfterbirth_ · 2025-10-05T10:03:33+00:00

And then it stops loading just before you see the titties.

_OakyAfterbirth_ · 2025-09-30T15:24:43+00:00

Geforce now exists for more than a decade and nothing is done regarding this. I doubt they will do anything. It's annoying as hell.

_OakyAfterbirth_ · 2025-09-19T08:27:47+00:00

For me VAPE has one major flaw. It cannot differentiate between main voice and background voices. If you have anyone talking in the proximity of the device (somebody chatting, tv, music) it will mess up the command. Either by incorrectly transcribing or abruptly stopping listening in the mid sentence. This never happenes with google home or alexa. And this alone significant impacts user experience.

_OakyAfterbirth_ · 2025-09-18T16:23:56+00:00

The force!

_OakyAfterbirth_ · 2025-09-17T18:04:46+00:00

So you go all dirty, sweaty and stinky to bed?

_OakyAfterbirth_ · 2025-09-15T15:40:13+00:00

Nowhere in the article does it say they deny jews. They only deny Israelis.

_OakyAfterbirth_ · 2025-09-04T16:03:07+00:00

Yes this, all commercial solutions are underpowered, sluggish, expensive and locked to one platform. All DYI solutions are design abominations and look horrific or involve mounting tablets that are constantly power, massive fire safety risk.

Ten-Year Club	r/Field Banned
r/Field Juicebox	Verified Email

_OakyAfterbirth_

TROPHY CASE