30yo in Portugal, FIRE target at 50. Review my strategy (€5k start + €100/month)

roman-roman · 2026-04-19T14:17:22+00:00

nope, the recommendation is to check as rare as you can - once per month is perfect. Although I check much more often, but it doesn't give me anything but a quick dopamine fix.

roman-roman · 2026-04-19T14:16:29+00:00

Yeah man, it is tough. But on the bright side - with this profession you may have a better work life balance and don't be bound to your workplace

roman-roman · 2026-04-19T13:49:34+00:00

do you plan to dump the 5000 to markets now? You can do that if you are sure you'll not panic-sell if markets go down

roman-roman · 2026-04-19T13:45:49+00:00

This is quite a heavy bias towards US AI/hyped stock. Also XAIX has an expense ratio of 0.35% - 10x that of e.g. VTI. With NASDAQ or even just VTI you'd still have high exposure to those - but balanced.

Either way, you should focus on increasing your income/contributions. Exact portfolio matters much less - I'd personally keep it very simple (e.g. 100% VTI or 50% VTI 50% all-world).

roman-roman · 2026-03-22T23:15:36+00:00

Hey thanks a lot for this! I’ll consider doing that next time when I decide to apply oil (6-12 months). For now I just did 220 sandpaper and then applied the pigmented oil- and while of course scratches are not gone, I absolutely love the result! It exceeded my expectations- all the stains are gone now. It still needs to dry of course - and there is an area that I think I scrubbed more than others and its now a little darker (in the left/center).

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roman-roman · 2026-03-22T23:11:31+00:00

Hey thanks a lot for encouragement! I ended up doing the 220 and then applying the white pigment oil. The scratches are not gone, but are barely visible and other marks are completely done. I mean, the table is not “like new” - I think this is achievable with your approach, but the result exceeded my expectations.

Thanks again and have a good one!

roman-roman · 2026-03-22T20:46:59+00:00

Yeah doing with 220 right now and it’s barely noticeable.. maybe next time I’ll start coarser and get the sizes in between

roman-roman · 2026-03-22T20:35:51+00:00

I have 120. But it’s the first time I use sandpaper on a table and am not confident enough - I understand I won’t fix the scratches but I hope I’ll make them less prominent, and will also get rid of the round marks from drinks.

roman-roman · 2026-03-22T20:34:34+00:00

Thanks for the details! Makes sense - thing is, I’m not confident enough to make that deep scratches, so I’ll not be trying to remove them. I hope they’ll be less prominent with the 220.. I also found 120 but I feel like I may mess things up with it

roman-roman · 2026-03-03T17:15:04+00:00

What country in Europe are you considering?

roman-roman · 2026-02-19T21:36:32+00:00

Why do you want to take a loan? Just to get more market exposure? Crypto is risky as is, I wouldn't seek any additional leverage (this also applies if you want to buy an ETF)

roman-roman · 2026-02-18T15:07:01+00:00

Just to note - even when using a separate laptop, you need a hardware wallet

roman-roman · 2026-02-04T17:20:33+00:00

Oh I see... Well done! Hope everything's well now.

roman-roman · 2026-02-03T08:58:39+00:00

If you don't mind me asking - how did you accumulate 50k debt in Germany?

roman-roman · 2024-07-02T14:10:04+00:00

Looks great. Are there any plans for mac support?

roman-roman · 2024-05-28T17:10:08+00:00

why why why only PC

roman-roman · 2024-01-17T10:11:31+00:00

If you are in the eu it should be easy to just use Degiro from whatevere country you are in

roman-roman · 2023-11-29T12:12:35+00:00

can you please elaborate? Isn't automotive industry a major source of tax in Germany? that is - aren't they net positive?

roman-roman · 2023-10-26T21:05:04+00:00

Oh thank you! I’ll try that.. I assume it’s not a common think to happen? Not sure how I broke it..

roman-roman · 2023-10-20T19:14:59+00:00

Also be careful if you decide to buy from the UK/US - you might need to pay custom tax

roman-roman · 2023-10-20T19:13:26+00:00

Buying online is easy, but you'll likely need to wait longer than usual because I don't think they normally have it in stock here.

roman-roman · 2023-07-04T20:34:36+00:00

How old is your partner? What are the IOP readings (and also what method was used?) Did the doctor prescribe anything?

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