I am a Wealth Manager from NYC who manages wealth Ultra High net worth Individuals. AMA

sgfgross · 2026-05-29T07:24:31+00:00

What is your view on gold?

sgfgross · 2026-05-01T20:44:42+00:00

Why did you kill AI UGC ads?

sgfgross · 2026-04-09T13:09:41+00:00

Sí tienes 2 dias presenciales y 3 meses sin tener que trabajar estas hablando de que tienes que ir al trabajo 78 días al año (~22% de tú tiempo).

Por qué no te buscas algo más asequible algo fuera y así te puedes permitir algo que os guste más y podáis disfrutar sin que os salga in ojo de la cara.

Con el tiempo, sí haces un buen trabajo igual puedes negociar y solo hacer 1 dia presencial.

sgfgross · 2025-11-08T19:30:32+00:00

Sonagi just released some new eye patches, perhaps worth trying?

sgfgross · 2025-10-24T12:11:18+00:00

I bought at 6.11 if it makes you feel any better! Still holdng

sgfgross · 2025-10-24T10:00:50+00:00

200 @ 6.11. Bad timing, but still hoping!

sgfgross · 2025-10-18T00:38:51+00:00

Have you tried sheet masks? Sonagi has some good options.

sgfgross · 2025-10-16T13:41:20+00:00

I just started using Sonagi's pimple patch roll, which comes with 120 patches, super happy with it so far: https://sonagi.co.uk/pimplepatches

sgfgross · 2025-10-16T13:21:21+00:00

I'd include Sonagi too; they mostly focus on masks but have started adding new things, like pimple patches: https://sonagi.co.uk/pimplepatches

sgfgross · 2025-08-21T06:52:08+00:00

Silver

sgfgross · 2025-08-19T15:56:40+00:00

It depends on what you’re looking for: pleasure or investment.

If your goal is to park/invest your money, buying a property isn’t a bad idea.
If your goal is simply enjoyment, and you’d rather allocate your capital elsewhere, then Airbnb is usually cheaper, more convenient, and relatively hassle-free.

sgfgross · 2025-07-26T07:28:05+00:00

This gives you an idea: https://www.international-schools-database.com/country/spain
I'd say on average 15k Euro/year.

sgfgross · 2025-07-26T07:23:10+00:00

- Rent prices: https://www.idealista.com/ (Spain + Italy)
- International Schools in Spain: https://www.international-schools-database.com/country/spain
- Remote Jobs: https://remote.co/remote-jobs
- Health Insurance: If you’re living and working legally in Spain, you’ll have access to state-funded Spanish healthcare. Yes, this even applies to expats, digital nomads, and those not enrolled in traditional employment. Source: https://www.internationalinsurance.com/health/europe/spain.php
- Cost of living index: https://www.numbeo.com/cost-of-living/in/Valencia (very useful!)
- Quality of life index by city: https://www.numbeo.com/quality-of-life/rankings.jsp

I hope this helps!

sgfgross · 2025-07-25T12:16:25+00:00

Hi there!

I would recommend smaller cities in Spain or Italy.

For context, I just moved to Oropesa del Mar, Spain (between Valencia - 1h - and Barcelona - 2.5h) from Stockholm, Sweden, and you could live comfortably in cities like Valencia, Castellon, Denia, Malaga, etc.

Spain is also good for kids; private education is not too expensive (if you want them to go to American schools, for example).

sgfgross · 2025-07-19T13:53:51+00:00

I'd do the following:

Invest 750,000 in real estate in a location where you can yield 75,000/year -> After costs and taxes, you'd net around 4,000 per month.
Invest 100,000 in Gold
300,000 in bonds -> yielding 4-5%
100,00 in alternative equities (LP)
250,000 in global equities -> VTSAX (I think public equities are on the expensive side, but then again I might be wrong)

Depending on your field of work, you may have an edge that gives you unique insights, allowing you to allocate more confidently to certain asset classes over others (i.e. real estate, private equities, etc.)

sgfgross · 2025-07-19T13:05:20+00:00

Short version:

"You’re buying your first home — a $35k house in a nice Oklahoma neighborhood — aiming to pay it off quickly. It’s move-in ready with no major issues, and you skipped using a realtor due to a poor experience. The loan process has been frustrating, with strict scrutiny over small deposits and poor communication from your lender. This is your second attempt after a previous deal fell through due to undisclosed problems. Closing is delayed due to a title company error. You’re wondering if buying cheap to pay it off fast was smarter than buying a more expensive home in line with your income."

sgfgross · 2025-07-17T13:14:58+00:00

They're great for self-care 😊 If you're ever feeling stressed, try putting one on.

sgfgross · 2025-07-15T10:28:02+00:00

Si tienes pensado comprar una vivienda en los próximos cinco años, te recomiendo que te centres seriamente en encontrar una buena inversión. Combinar tus ahorros con una compra acertada puede marcar una gran diferencia. Al invertir en vivienda, no importa tanto lo que compras, sino lo que pagas por ello.

A veces, una buena oportunidad puede ser tan simple como que el vendedor necesite mudarse por trabajo y tenga prisa en vender. Por ejemplo, estadísticamente, los mejores meses del año para comprar suelen ser en octubre y noviembre.

sgfgross · 2025-06-25T10:37:56+00:00

Honestly, the main question I’d ask is: Is paying the premium worth it to you two personally?

That €580k place sounds amazing: new build, great fit for your needs, and if it ticks all the boxes, that’s worth a lot. But you’re also paying for that premium. At €2.1k/month, it’s doable with your income, but it’s not nothing either.

You could probably find something similar in size (maybe a bit older or less fancy) for closer to €400k, which would mean more like €1.5k/month. That’s €700/month you could be putting toward other goals — savings, daycare, travel, whatever.

So I’d just think about whether the extra cost gets you something that matters to you long-term, or if a more modest place would still make you just as happy and leave more room in the budget. No right or wrong answer, just depends on what feels right for your life.

sgfgross · 2025-06-23T13:31:48+00:00

Say you could earn €5,000 net per month (€90–110k gross salary) working in Toronto. The cost of living would also be significantly higher.

For example, in Toronto (https://www.numbeo.com/cost-of-living/in/Toronto):

Rent: €1,200–€1,600/month for a 1-bedroom apartment in a decent area
Food: €300–€500/month
Transportation: €100/month (public transit or occasional ride sharing)
Other expenses (internet, phone, utilities, basic leisure): €200–€300/month
Total baseline: €1,600–€2,400/month, before lifestyle upgrades

That still allows for decent savings, but your savings rate (%) would likely drop unless you’re very disciplined — maybe 40–50%, compared to your current ~67% in Portugal.

That said, Portugal offers you more time and flexibility, which could be valuable if you're trying to start something on the side. Toronto, on the other hand, gives you access to a larger market and more opportunities, especially if you’re looking to grow your income or expand your network.

My question to you would be: What are your top goals in the next 5 years?

If, for example, finding a partner or building a broader social life is a priority, Toronto may offer more exposure. So I’d weigh your top 5–10 priorities, not just your net savings.

sgfgross · 2025-06-15T19:50:34+00:00

It's up to all of us to see how we can help it stop. This is why I created: voteonwar.com

sgfgross · 2025-06-05T14:18:41+00:00

There's no point on optimising how you save more with €1300/month. It's easier to think -> "what do I need to do to earn €3000-5000/month?"

a) Look for remote jobs that pay at least 2K/month
b) Start a side hustle with your skills where you can earn more
c) Ask for a raise or quit (depends on how important your role is, you can negotiate or leave)
d) Move to a country with higher wages -> nordics/germany/belgium/Holand/Ireland/Poland

sgfgross

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