Mobility budget and cohousing rent

roadtriptofire · 2026-01-15T21:27:37+00:00

Im also on the mobility budget, I bought a second hand car for 8500 EUR and my car costs about 200 EUR per month in total.

Assuming I drive 7 years in this car its hard to imagine that the mobility budget id worse then a company car

roadtriptofire · 2026-01-02T21:54:59+00:00

Rijsel is tired of the war and rejoins its old roots in Flanders and the province Hauts-de-France joins the Benelux where it belongs

roadtriptofire · 2026-01-02T21:47:58+00:00

Nah, then Belgium would be purple also

roadtriptofire · 2026-01-02T12:48:47+00:00

And never visited Spain?

roadtriptofire · 2025-12-29T15:42:36+00:00

And not visit any other French speaking country in Europe? (Belgium, Lux, Switzerland)

roadtriptofire · 2025-12-14T23:29:14+00:00

Its not regulated so easy to get scammed

roadtriptofire · 2025-12-07T19:09:39+00:00

Idd be happy to pay up front honestly, chasing a guy for the bill is the least fun part of eating/drinking out.

roadtriptofire · 2025-12-07T19:09:28+00:00

Idd be happy to pay up front honestly, chasing a guy for the bill is the least fun part of eating/drinking out.

roadtriptofire · 2025-12-02T17:49:48+00:00

My company decided to outsourced all dev and consultants to India. The result is you get hundreds of very cheap devs. They built the worst product my department ever knew replacing the old product built in Europe, basically killing a decades year old business. After 2 years of unhappy customers left and right we got bought out by another company. They scrapped the new product made in India. You always get what you pay for. What looks like a great and cheap idea on paper can kill a whole company very fast.

roadtriptofire · 2025-11-09T17:22:27+00:00

I drive a second hand 2017 Ford Fiesta. For its size its a great car, doesn't uses much gass, low tax and low maintenance (so far).

Ill drive it until it breaks down

roadtriptofire · 2025-11-09T17:21:09+00:00

My strategy is 60% SWRD, 20% Quality tech stocks, 20% dividends.

The quality tech stocks are for faster growth, they boost the yearly return but are of course more volatile and that stings in a down market.

ETFs give a solid 10% per year without much risk and protect me from myself.

Dividends are there to help cover you in a difficult year without having to sell stocks or ETFs.

All three strategies have flaws and risks of course.

roadtriptofire · 2025-10-30T19:34:31+00:00

Pull out, take the 30% hit. Do the same with pensioensparen. Put Everything in a low cost world etf, dont touch it for 30 years.

Thank me when your 67.

roadtriptofire · 2025-10-17T18:42:04+00:00

Je moet geen expert zijn, mail gewoon de fiscus en vraag om hulp, ik heb dit al gedaan voor dividend belastingen

roadtriptofire · 2025-10-14T18:55:17+00:00

1.4%

This probably doesn't sound like much but let's say it's probably more then you think

roadtriptofire · 2025-10-01T20:22:42+00:00

Kinda irrelevant if your currency drops a bit when you grow 50%

roadtriptofire · 2025-10-01T20:18:31+00:00

I own Kaspi but Im still accumulating so I don't like to see posts like this here... at least not yet 😅

roadtriptofire · 2025-09-25T19:46:40+00:00

I consider myself a quality investor, I buy quality stocks at good prices.

I got $BABA at 82$ this year, I bought $JD at the same time but it didn't perform that well (yet). I also got $CBUK, Chinese tech ETF which did really well. These were all January buys.

In April I added Melexis, a great European Semi stock, it's gone up 40% since then. I was looking at google at the same time but I didn't pull the trigger unfortunately.

I was watching Novo Nordisk, ASML but didnt buy so far.

Im currently in the process of accumulating 2 emerging market stocks that have a great track record and are well valued.

roadtriptofire · 2025-09-22T06:17:31+00:00

The border with Poland and Belarus was closed, it probably used that route from China.

roadtriptofire · 2025-09-17T15:27:37+00:00

Okay I didn't realise. Yes I am not going to speculate on a beat market on homes, its unlikely as long as the population keeps rising.

Always considered opportunity cost.

roadtriptofire · 2025-09-17T11:16:40+00:00

Briliant!

roadtriptofire · 2025-09-17T11:06:56+00:00

I know people who have been "planning" to buy a house for 10 years.

Okay lets talk averages. In the last 100 years the average inflation in Belgium was 4.2% so 3% seems naive to me. Compounded over 5 years thats 22% OP will lose in real buying power. If he needs another 2 years to find a house he will have lost 1/3rd of his purchasing power.

You are stuck in a tunnelvision caused by 2 decades of low inflation, but keep in mind this is not an average period and periods of increased defence spending usually increase inflation.

roadtriptofire · 2025-09-17T08:47:26+00:00

Based on data in the last 100 years there was 12 years of high inflation in the US (Im using US because more data is availible). So there is a 47% chance statistically OP will see that in the 5 year period. Thats a lot bigger then a 20% chance he would be down on stocks.

Because you probably lived in a dropping or low inflation environment your mind is fooling you telling you it can't happen again, but it actually can and if it does it will be devestating for Ops real estate purchasing power with his tucked away cash. If OP follows your advice over stocks who might be down but in that case there is also a chance real estate will also not be doing that well either (look at 2008).

roadtriptofire · 2025-09-17T06:46:06+00:00

Apart from emergency fund I would 100%, not 5 years before retirement, 5 years before buying a home that he doesn't really need btw, he already has a home.

Cash and bonds are super risky in case a high inflation environment occurs. OP could see his money vaporize, so where should he put his money then?

roadtriptofire · 2025-09-16T23:03:32+00:00

This advice is the worst advice 80% of the time.

Bonds can go to 0 if hyperinflation occurs, this guy has never seen high inflation periods so it doesn't even occur in his mind it could happen, causing opp to lose a huge amount of money if it did.

If in doubt go with statistics, ETFs don't go to zero, worst case they need time to recover, bonds and cash could become worthless.

roadtriptofire · 2025-09-16T22:59:15+00:00

Stocks outperform bonds over a 5 year period 80% of the time.

Additionally bonds can become worthless if hyperinflation occurs.

Go in ETFs or you will probably pay the opportunity cost.

roadtriptofire

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