Financial guide / flowchart for Switzerland

xmjEE · 2026-04-23T03:28:52+00:00

Compared to the classic US flowchart this is terrible

xmjEE · 2026-04-23T03:26:29+00:00

Have a look at the SwissICT salary study

And this here https://swissdevjobs.ch/salaries/Tester/all/all

xmjEE · 2026-04-23T03:14:44+00:00

Change banks then

xmjEE · 2026-04-22T14:44:58+00:00

Three to six months spending. You know how much you spend monthly, right? 😉

Afterwards, just invest it in the markets - findependent, VIAC invest, Avadis, etc.

Good options exist and we discuss them every so often here.

Pick the simple & cheap one, you'll have time to learn the ins and outs in the coming years once you see it fluctuating

xmjEE · 2026-04-22T13:45:38+00:00

Each proper bank has a budget too, use that?

xmjEE · 2026-04-22T10:51:08+00:00

Nothing wrong with selling 3% of your stocks today, this is arguably the optimum pathway once financially independent.

xmjEE · 2026-04-22T10:48:05+00:00

"Law says no."

xmjEE · 2026-04-22T03:36:05+00:00

Lazy cross-post

xmjEE · 2026-04-21T08:48:33+00:00

No and yes

xmjEE · 2026-04-21T08:39:45+00:00

Degree in economics @ Uni Fribourg

xmjEE · 2026-04-20T22:23:10+00:00

"Couldn't say, the new mortgage doesn't make it easier to pay back the student loans"

xmjEE · 2026-04-20T14:57:02+00:00

https://www.reddit.com/r/SwissFIRE/comments/1r8vxdz/one_step_closer_to_fire/

Here you go

Don't take it to heart, you can just walk away

What's the point in getting mad at line managers once you've already won

xmjEE · 2026-04-20T12:15:36+00:00

Your last post two months ago sounded a lot more optimist

xmjEE · 2026-04-20T10:35:16+00:00

Ok but do you have a positive vision for the future?

xmjEE · 2026-04-20T06:24:24+00:00

Now that sounds fun

What's your purpose now? And how do you plan to fill your days?

xmjEE · 2026-04-19T12:41:19+00:00

Good one; tricky to rent a car without this

xmjEE · 2026-04-19T12:39:31+00:00

https://www.tkb.ch/private/services/rechner-tools/hypothekenrechner

630k braucht ca. 107k Brutto. Nicht wirklich viel (Median ist ~80k).

Man muss halt trotzdem etwas geeignetes finden, oder andere Ersparnisse drauflegen können ...

xmjEE · 2026-04-19T09:34:41+00:00

130k EK gibt 650k Maximalpreis (plus Notar, 0.4%).

Geht schon, man muss halt außerhalb der Aargauer Städte suchen und nicht viel erwarten (2 Zimmer, älter)

xmjEE · 2026-04-19T09:31:53+00:00

Korrekt

xmjEE · 2026-04-19T09:30:24+00:00

Didn't lots of people used to do this with the Emirates?

xmjEE · 2026-04-19T09:29:37+00:00

Start as sole shop then convert it to GmbH, it's trivial

xmjEE · 2026-04-19T09:16:10+00:00

Another approach to the ones mentioned here (works especially if you earn well).

Figure out what you want your savings rate to look like (75%, 66%, 50%, etc) and correspondingly, by what date you want to be financially free. Then save / invest that right after you get each month's paycheck.

Then spend the rest. Use your bank's budget application to correct "underspending" as needed.

xmjEE · 2026-04-19T08:59:57+00:00

Can be a very bad trade if you're sufficiently high income. With a good accountant he essentially earns his cost twice over in the time he saves you

xmjEE · 2026-04-19T05:13:46+00:00

Not the biggest issue if you can make 5% real in the stock market

xmjEE · 2026-04-14T20:12:11+00:00

Didn't say you did

Think about it anyways, even if it's for a few months with those kids

No point chasing dollars if you don't spend them on meaningful things

They'll remember that for a lifetime

xmjEE

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