Hey everyone! 👋 I wanted to share an update on my passive income journey, both to track my progress and to exchange ideas with this great community. A few years ago, I set a goal: build enough passive income to have more freedom and flexibility in life. I’m not at full financial independence yet, but I’m making steady progress. Right now, my investments generate €2,600/month, which significantly reduces financial pressure and allows me to reinvest, save, and enjoy life a bit more.
🔍 Where Does My Passive Income Come From?
🏠 Real Estate – €1,950/month
Real estate has been a key part of my strategy, providing a steady source of monthly cash flow. I currently own three rental properties, and here’s how they’re performing:
Dubino, Italy – Rented for €800/month
Roquetas de Mar, Spain (Property 1) – Rented for €450/month
Roquetas de Mar, Spain (Property 2) – Rented for €700/month
I like real estate because it provides stable, predictable income, and over time, the properties appreciate in value. Of course, there are challenges—tenant issues, maintenance, taxes—but overall, it’s been a solid investment.
📈 Dividend ETFs – €650/month
Besides real estate, I also invest in dividend-paying ETFs. My ETF portfolio is currently worth €127,000, and it’s structured to provide a mix of growth and income. I focus on high-yield and dividend-growth ETFs, with an average yield of around 6.14%.
ETFs require zero maintenance compared to real estate. No tenants, no repairs—just passive income that gets deposited into my account. The plan is to keep reinvesting dividends until they can fully cover my expenses.
💡 Lessons I’ve Learned Along the Way
✅ Cash flow is king – Having stable monthly income gives me more options in life.
✅ Diversification matters – Real estate and ETFs balance each other out.
✅ Long-term mindset – The goal isn’t to get rich quick, but to build lasting wealth.
✅ Leverage can be powerful (but risky) – I used some debt to acquire real estate, but I keep my debt levels manageable.
🎯 What’s Next?
I’m currently debating whether to expand my ETF portfolio or acquire another rental property. Real estate offers more cash flow, but ETFs are truly passive. I might go for a mix of both. 🤔
Curious to hear from you all—how do you structure your passive income streams? Are you more into real estate, stocks, or
something else? 🚀💬
