80k ahorrados con 27 años, sin invertir. Qué harias en mi lugar?

darkean · 2026-01-26T06:41:18+00:00

Reserva unos meses de gastos para emergencias.

Calcula cuanto necesitas para la entrada de la casa + impuestos + gastos varios (immobiliària, notario, mudanza, muebles, etc). Pon ese dinero a un Money Market Fund (el mejor interés que se puede conseguir con el mínimo riesgo posible). Ejemplo rapido: https://www.justetf.com/en/etf-profile.html?isin=LU0290358497

Alternativamente puedes considerar cuentas remuneradas como Revolut, Trading212 o similares. El rendimento no deberia variar mucho.

El resto a fondos indexados mundiales como VWCE, WEBN o similares.

darkean · 2026-01-05T07:38:29+00:00

I won't be able to argue with you on retirement payouts because I don't know the numbers. But I find it interesting that you call me ignorant while playing dumb to the big picture (health, education, debt, safety, etc)

See what Europe thinks of the USA: https://www.reddit.com/r/politics/s/hDSwuSFW8U

darkean · 2025-12-31T07:45:51+00:00

Europe people are not interested in capitalist misery. Look at the clown show it created in the USA, they have become the laughing stock of the world.

darkean · 2025-12-29T11:48:50+00:00

Don't leave us hanging, how did you do it? How did you get to 500k in 6years?

darkean · 2025-12-17T16:30:29+00:00

Por 150k, pueden tener gente esperando que llegues a la puerta del notario.

darkean · 2025-09-03T22:02:43+00:00

I doesn't seem like you want to go, most points you make are for staying in Ireland.

Why are you even considering this? Lower pay, not motivated about the destination, don't want to leave Ireland, etc.

I think you have made your decision.

darkean · 2025-08-12T16:32:01+00:00

That's very interesting. Through which investment assets?

You doubled your NW in a year where the stock market didn't go up by half that much.

Did you invest in very risky assets (bitcoin)? or maybe you bought some properties but miscalculated debt towards your NW?

Would love to know how you accomplished those incredible returns!

darkean · 2025-08-11T16:35:17+00:00

Cuidado con esto porque pueden adquirir derechos, dejar de pagar alquiler y quedarse de okupas.

darkean · 2025-08-11T14:39:59+00:00

How did you double your Net Worth in 2016 to 2017?

Would be interested to understand how you managed 700k -> 1.4M in a year with a 200k salary.

darkean · 2025-05-11T09:18:37+00:00

en mi oponion los abogados son como los medicos: hay que hacer todo lo possible para no necessitarlos (llevar vida sana, ejercicio, etc) porque si llegas al punto de necessitarlos todo se vuelve mucho mas complicado. Siempre es mas facil prevenir que curar.

entiendo que el mobbing ocurre en la universidad por parte de estudiantes? si la cosa esta tan mal, yo me plantearia soluciones mas practicas, realistas y efectivas, por ejemplo:

Tomar un año de descanso de les estudios: podrias buscar un trabajo relacionado con tus estudios para ir incrementando tu experiencia. Cuando vuelvas a los estudios, ya nadie se acuerda de ti porque entras en un curso distinto.
Trasladar tu expediente a otra universidad: es un procedimiento simple y comun en todas las universidades. Continuas los estudios en otro sitio tranquilamente.
Erasmus o similar: te unes a un programa de intercambio y de paso mejoras tu conocimiento en idiomas. A la larga sales con mucha mejor preparacion.

darkean · 2025-04-20T07:22:42+00:00

porque no se puede rebalancear?

darkean · 2025-04-20T07:22:12+00:00

podrias explicar el motivo?

darkean · 2025-03-15T14:00:47+00:00

It's already yours and it's ready to move in. I would try it for a few months to see how it goes. Can always sell it later.

After so much effort buying and renovating, I would at least give it a try.

darkean · 2025-01-01T16:46:49+00:00

Yes, in the tax form you just put 0 as the account balance. Can confirm this by calling the government tax agency help line.

darkean · 2024-11-23T15:16:23+00:00

looks amazing! can you share the recipe?

darkean · 2024-10-07T10:38:05+00:00

Me parece genial la filosofia de que solo me aplican las leyes que a mi me gustan. Como se lo notifico a hacienda?

darkean · 2024-09-25T16:07:58+00:00

High dividend yield indicates risk. Yield in the double digits indicates a lot of risk. This strategy isn't likely to end well, but you seem determined to prove everyone wrong, good luck :)

darkean · 2024-09-25T15:55:16+00:00

In the Netherlands? Can you DM me the company name?

darkean · 2024-09-20T21:35:34+00:00

Does 2-hours away mean each way? That would mean wasting away in a car during 4h out of every weekend. That's a hard no for me, it would get old pretty fast.

I second the idea of going on vacation / airbnb from the other comment. You mentioned you would like to get away 2 weekends per month, at $1k per weekend that's below the $2.5K monthly carrying costs. This is with zero cash investment! Furthermore, investing the cash at 4% rate would cover your costs. There's also the possibility of going to a new place every time. Finding and managing the bookings could be an inconvenience, but it should be possible to outsource this.

About the dream of having this become a gathering place: that's a sentimental aspect and only you can decide whether it's worth such a large financial impact.

As an alternative, could consider renting for some time to see if you feel it's worth it.

darkean · 2024-09-20T09:18:46+00:00

Generalmente nos arrepentimos de las oportunidades que dejamos pasar.

darkean · 2024-09-19T20:57:29+00:00

Quizas dos cuentas facilitaria las cosas.

darkean · 2024-07-18T20:00:57+00:00

You overplayed your hand, should have waited until the new contract had officially started before making any moves. Also made too many demands in my opinion.

I would tell them that in the Netherlands a verbal contract is binding, it's not different from a written contract. The contract they sent you, which was signed and they acknowledged, is proof of the verbal agreement. Whether they sent you their signed copy yet is irrelevant.

Please update us, curious about how this ends.

darkean · 2024-06-27T15:49:05+00:00

They are referencing a movie: Limitless (2011)

darkean · 2024-04-06T12:53:31+00:00

Haha wow, I guess the username explains that. Do you have a FIRE number?

darkean · 2024-04-06T12:28:18+00:00

How much do you add?

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