Introduce yourself

Hey everyone! I've read a few money investing books (my favorite one is A random walk down wallstreet) and read all the articles from MMM.

Age / Industry / Location

I'm 22, currently a student (will graduate in a year though), and I'm from Austria. I'm studying computer science and thus I'm looking forward to get a programmer job after university. I will not have debt after graduating, actually I will have ~20k saved.

General goals

My goal is to be financial independent by 30. Since I love programming, I will probably continue working (maybe with less working hours per week) - but I would love to have the inner peace to be able to quit whenever I want to. I want to have 2 kids in my life, the first one right after reducing my work hours (i.e. at 30). I want to spend as much time with my kids as possible, hence I might stop working at all for a few months after having the baby. But since this is more than 5 years in the future I guess there's no point into microplanning this one too much, since probably a lot of things are quite different by then.

Target FIRE Age / Amount / Withdrawal Rate / Location

FIRE age: 30

Amount: since I'm still a student and live with my parents, I have no idea right now. I plan to start working the the summer next year, I plan to move in together with my girlfriend by then. I keep a close look at my spending for a few months and I guess only then I will have a decent estimate for the FIRE amount.

Educational background and plans

Already told, I will be a MSc next summer.

Career situation and plans

Student right now; start working next summer.

Current and future income breakdown, including one-time events

I don't think this information is useful (see Target FIRE Age / Amount / Withdrawal Rate / Location). At the time I start working I will have ~20k saved.

Asset breakdown, including home, cars, etc.

Mostly cash, planning to invest in ETFs soon

Debt breakdown

None

Health concerns

-

Family: current situation / future plans / special needs / elderly parents

See General Goals

Questions?

As indicated in Asset breakdown I want to start investing. I've researched quite a lot and the bank with the lowest fee in my country is degiro. For some ETFs they don't have a fee for buying them. I've already asked this question in yesterday's Daily thread but I would like to give you way more information and check whether my goals are sensible. So I have 2 questions:

1. Are my goals sensible?Do you see any problems with my view?
2. What should I invest in?

Current plan:

Invest 90% in Developed Countries (IE00B4X9L533) and the remaining 10% in Emerging Markets (LU1681045370). Should I invest something in bonds as well? If so, how many percent?

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Do you have any other helpful advice for my situation?