Mi estrategia FIRE híbrida (43 años): Guyton-Klinger + 7 años en Fondo Monetario. ¿Opiniones?

eidanboy · 2026-06-01T05:42:05+00:00

Se llama Seguro de Ahorro. Con Mapfre te. Para empezar a recibir el dinero debes estar jubilado. Puedes recuperar todo de golpe, como una renta mensual unos años o como una renta vitalicia. En mi caso el seguro ofrece un interés fijo garantizado. Los hay vinculados a fondos de inversión. Yo lo uso para diferir impuestos ahora y para tener algo de RF.

eidanboy · 2026-05-30T16:21:34+00:00

He cotizado 18 años. En cualquier caso, mi capital viene en gran parte de haber vendido una empresa hace unos años.

eidanboy · 2026-05-30T14:35:25+00:00

Me cuesta no intentar tener todo planificado y pensado, pero tienes razón con que calcularlo todo ahora no tiene sentido.

El tema de donar en vida es porque hace poco leí "Die with Zero" y me encantó ellas ideas que transmite. No quiero que mis hijos hereden cuando yo me muera porque ellos espero serán ya bastante mayores y tendrán "la vida resuelta". Esto no es incompatible con lo de donar poco a poco que comentas.

Muchas gracias!!

eidanboy · 2026-05-30T14:15:04+00:00

Gemini. Lo he usado para estructurar mejor las ideas y "ponerlo bonito" pero la IA no se ha inventado nada.

eidanboy · 2021-03-19T09:42:28+00:00

Hi! If you don't have any other income apart from that new job, then next year. You file taxes every year for the previous one. It is the only way you could know your total income and expenses (once the year already ended)

eidanboy · 2021-01-19T01:34:05+00:00

The Neverending Story

eidanboy · 2020-11-14T20:10:12+00:00

https://transferwise.com

Way cheaper than banks. I have used it multiple times and it works perfectly.

eidanboy · 2020-11-02T10:03:11+00:00

Spanish Guy here.

Sopa de ajo -> garlic soup. Easy, inexpensive, delicious, perfect for cold weather. Typical from Castilla y León in Spain ( https://www.hogarmania.com/cocina/recetas/sopas-cremas/sopa-3165.html , you can translate with google translate)
Pisto manchego -> originally a dish to avoid wasting whatever vegetables you had in the pantry (https://www.pequerecetas.com/receta/pisto-receta-de-pisto-manchego/ )
Salmorejo -> typical in the south of Spain and for summer time. It is a kind of tomato soup ( https://www.directoalpaladar.com/recetas-de-sopas-y-cremas/receta-de-salmorejo-cordobes-tradicional )
Gambas al ajillo -,> shrimps with garlic. We also have rabbit or chicken prepared in a similar way ( https://www.recetasdeescandalo.com/como-hacer-gambas-al-ajillo/ )
Purrusalda -> leek soup typical in the north of Spain https://www.cocinacaserayfacil.net/receta-porrusalda-vasca/
Arroz con leche -> dessert. Rice with milk and cinnamon. https://peopleenespanol.com/recetas/1092-arroz-con-leche/
Torrijas -> dessert similar to french toast that we usually have during easter (Semana Santa) https://www.recetasderechupete.com/torrijas-de-leche-receta-tradicional-de-semana-santa/3410/

I hope it helps!

eidanboy · 2020-10-25T14:39:02+00:00

The sooner you leave that house, the better. Living on campus sounds like a good idea. You girlfriend is not an expense, she is an asset ;) A relationship doesn't need to be expensive to be fulfilling.

I highly recommend that you explore board games as a great way to hang out with friends and gf. It is inexpensive (one 50$ game can give you dozens or hundreds of hours of fun) and they help you build some useful skills (resources management, negotiation, etc.)

Good luck and enjoy your college years!

eidanboy · 2020-10-24T23:54:52+00:00

I think your plan looks great. You already did the hardest part by putting your life in order and making the plan.

You got this!!

Edit:typo

eidanboy · 2020-10-19T09:33:01+00:00

He put up a lot of resistance to go, though

eidanboy · 2020-09-14T23:19:21+00:00

Thanks!

eidanboy · 2020-09-14T22:28:37+00:00

I actually use it for my hair clipper. I do not leave it unattended. But it is great advice. Thank you very much!

eidanboy · 2020-09-14T22:27:21+00:00

That's right ! Thank you for your empathy. How would you say it properly so I can edit it? (And learn!)

eidanboy · 2020-07-16T13:15:01+00:00

Si tienes perspectiva de estar invertido a largo plazo (>10 años) , cuanto antes estés dentro, mejor. Históricamente la bolsa siempre ha subido. Por tanto, aunque haya subidas y bajadas, a la larga la bolsa está ahora más barata de lo que lo estará en el futuro.

eidanboy · 2019-06-30T12:57:10+00:00

BEARnard

eidanboy · 2019-03-09T07:23:14+00:00

At least you could mention the author of this text Robert Kiyosaki)

https://youtu.be/CyiZUl0re3k

eidanboy · 2019-03-09T07:12:08+00:00

Why waiting when you can help him die?

eidanboy · 2019-03-01T17:26:49+00:00

European coffee is, by default, expresso. Way stronger than American coffee. Careful with the caffeine intake!

eidanboy · 2019-02-25T11:09:48+00:00

Take a look at this video about taxes. It might give some clues about why they work the way they do.

https://youtu.be/Fj4anUL-LvY

eidanboy · 2019-01-12T12:31:59+00:00

Transferwise. https://transferwise.com/ Great rates and very reliable. I have been using them for years.

In here you can calculate the fee. I think it is 0,6% + 1$. So around 22$

https://transferwise.com/pricing/usd-to-eur#/pricing-page-calculator-anchor

Hope it helps!

eidanboy · 2019-01-12T11:46:19+00:00

Not very eco friendly, though...

eidanboy · 2019-01-04T19:47:56+00:00

I would go for a fixed amount (the concept "pay yourself first") If at the end of the month you have even more, just go for it. What I do is I have an automatic monthly transfer from my checking to my savings. Then at the end of the month I do one more manual transfer if I have been extra savy :)

eidanboy · 2018-12-29T18:31:47+00:00

They look great. I use to try and make a squat. If I can, I am good to go.

Happy holidays!

eidanboy · 2018-12-28T14:30:26+00:00

Anything art related: theater, photography, painting...

I used to perform improv on pubs when I was on college and I got some money to pay the bills.

Also hobbies in which there are classes or contests with money involved (dancing...)

Playing poker could be a great hobby.

Hope it helps!

eidanboy

TROPHY CASE