planning

Kia ora all. Like many, we're struggling with the cost of everything. We're thinking of pulling a controversial move and selling the family home and going back to renting. From a maths view point. We earn about $150,000 before tax combined. Three kids, two workers. We pay just under $3k...

Hi European Personal Finance community, I'm crossposting this from r/EuropeFIRE I know this might seem self promotion, but I hope you see value and beauty in my project. I want to launch a European Early Retirement Guide. I think there's a strong demand for collecting information about Early...

Hey everyone, I turned 30 this year and am looking for some help and advice on planning my financial future out. I am an Indian citizen living and working in Austria (currently have a Rot-Weiß-Rot Plus Karte, will hopefully have a Daueraufenthaltstitel from 2022). I “worked” here from 2015 to...

I'm (22yo) not sure, where to put my money. Currently invested 45 k in ETFs and 5 k in a corporate bond, ~ more than 20 k rots in cash account for years. Is 20 k additional MSCI World too conserative? Portfolio pie chart Thank you guys for any advice.

So, during COVID, like many others I lost many things and we got hit financially pretty bad. My job was also not that well so we lost all of our savings. Somehow managed to survive through everything. After a long time, managed to land a new job in 2023 and started saving money little by...

Hi! I am 29M male, married, without kids,. I live in Poland, make 20k eur net / month, own an apartment (just paid it off), have around 60k eur in our retirement accounts and have emergency fund for around 6 months. My wife earns around 2k eur net per month, we save up around 15k eur a month...

Hey Everyone- I love this thread and have learned a ton from it! I think I have a decent financial plan of attack, but it feels daunting. I have too much anxiety that I am not doing it right and stay up at night, doubting my plan. If anyone is willing to read my plan below and offer a reality...

So I applied for the Estonian digital residency and got it approved. My plan now is to open an Estonian digital company using a service such as xolo.io, and become a tax resident in some cheaper country in the Balkans (I´m going to check Bulgaria first this January, I rented an Airbnb for a...

‘Tis the season to be thankful and I certainly owe a debt of gratitude to this sub. Apologies in advance for the length. One year ago today I made a resolution to get my finances in order, devise a plan to payoff my student loans, and ultimately track every single dollar I spend in 2017. I...

I started investing in January last year I've selected a fixed amount to go towards saving plans each month and once every three months I pick a special stock to invest my money in. This year I especially want to update my savings plan and add specific stocks and REITs. My current saving...

I’m a 23F trying to figure out the best long term strategy for home ownership vs. renting. I’m in a position where I could purchase a home in the next 3-5 years, but also know that with ownership comes property taxes, HOA dues, insurance, maintenance, etc… I’m wondering if over the long term...

I 6.0have seen a massive number of posts in Indian market subs (personalfinanceind/ indianstreetbets/ indiainvestments /CreditcardsIndia), so here is a master list that should cover 99.99% of use cases. Before we begin, some data to help you gauge returns. (These returns are all point-to-point...

I started a new job at 80k after finishing my masters. My previous job paid 35k, so my reaction to this opportunity was an overwhelming feeling of relief. Now, several months in, I’m thinking I should’ve tried to negotiate for a higher salary, and that what I’m making doesn’t feel like enough. I...

I'm on vacation and going through my finances and trying to figure out how my family is floating and if its in line with our life ambitions. I made an overview to discuss it with my wife and dad (personal advisor). I'm torn between enjoying the fruit of my labor now while I have a young family...

As the title says is it at all possible? Have recently had a consultation with a bloke who claims if you pay him a fee (reasonable if claims are true) he will teach you how to pay down your mortgage in a very short window. Has anyone has experience with a scheme such as this or is it modern day...

Hi all, throwaway for obvious reasons I am after a bit of advice around raising capital to finance a business purchase. Finance is not something I know much about. I am trying to be somewhat vague as I do not want to divulge any sensitive information but I am looking for advice. TLDR - I...