3D·

From a child on Hartz IV to an investor at 18 - My little journey

Hey everyone,

I just want to tell you my story today. Not to show off - but perhaps to motivate one or two people who are wondering whether they even have a chance.

Because I didn't have one either. At least not at first sight.


I grew up in a family of migrant workers, we hardly had any money. Harz IV was everyday life. I still remember well what it was like to wish for something as a child - and then look into the faces of my parents, who had to explain to me why it wasn't possible. Not because they didn't want to. But because it simply wasn't possible. That hurts, even if you might not understand it back then like you do today.


Things got a little better for us when I was 15. And when I was 16, I started my first mini-job. I worked in construction for two weeks, scaffolding - really hard. I earned €900. And put it straight into a PC and monitors. Was I disappointed afterwards? No. I was young, had dreams - and for the first time I felt like I could afford something. That was worth its weight in gold.


Then came Tropical Islands. 12.50 an hour. My dream back then was an Audi A4 for €9000. So I went every damn Saturday and Sunday. 1.5 hours drive - there and back. Rain, snow, whatever. I did my A-levels on the side. I pursued my goal for two years. And in the end, I actually had the €9,000 together.


I was on the verge of buying the car. But then my parents talked me into it. They said: "You're young. Think ahead. Invest in your future, not in a car that will lose value tomorrow." And that clicked. I had been reading about shares since I was 14. Now I really meant it.


At first, of course, it was the dream of making a quick buck. Who hasn't experienced that? But I soon realized: that's not reality. I started with €2000. My mother was totally against it. She was afraid I'd lose everything. But I showed her. I showed her the courses, the small successes. And she saw: The boy isn't just doing it on a whim.


Today I'm 18 and my deposit is almost €9,000.

And I tell everyone who comes from a "simple" background: you can achieve something. It doesn't matter where you come from. It's where you want to go.


Now I'm starting my training with the federal police. And I want to grow. Personally, professionally - and financially. Not to be rich. But to be free.

Because it was never just a dream for me. It was my way out.

My way of giving something back. And to prove to myself that you can make your dreams come true even without a golden spoon in your mouth - if you're prepared to fight

11Positions
€8,609.31
4.61%
277
69 Comments

profile image
Amen, the story has deeply affected me today aufgezogen👍🏼
26
profile image
Impressive story and you are so much smarter even at your young age than I was at your age. So, keep going.

I also have an idea at this point, which some people find very uncomfortable, that you should hand out T-shirts to the left. Not "Tax the Rich!", but "Educate the Poor!" and I often find myself thinking that if many WOULD be shown how to make the best of their situation, many would.

That it would be pleasant and easy...no one ever said that.
7
profile image
@StrahlemannLP I think the same.
We recently had this topic in political education. And lo and behold, everyone naturally disagreed with me. I claimed that almost everyone in society can build up a fortune (everyone defines wealth differently)
I described my situation and said that you can still achieve a lot. And yet I was smiled at and ridiculed.

But what can you do apart from peacefully expressing your opinion to other people?
2
profile image
@Wiktor_06 Then you've learned the most important lesson right at the beginning: you're usually only ridiculed and laughed at by stupid people. Did you at least have the chance to explain how you came up with this statement? If you weren't given that chance, then a lot of things are going wrong anyway and very few people have the horizon to think beyond 10 years anyway...like I did back then, by the way.

So...seek your own recognition and respect in front of everyone, in case of doubt there will always be someone who has something to complain about you. For me, the fact that I was different and wanted to be a technician was enough. Yes, I was a nerd when it was still uncool :-D
1
profile image
@StrahlemannLP very cool.
profile image
Very cool!
I can identify with that!
I also come from a "simple" background and now know many people who have grown up with a golden spoon in their mouths but have achieved less.
That makes you a little proud.

Keep up the good work!
6
profile image
@Marek007 You said it!
It also shapes you and makes you mentally more mature.
I'll keep my fingers crossed for you!
1
@Marek007 The other perspective is: they didn't have to! If I had grown up knowing that I was a multi-million heir, I might not have spent 90 hours a week at work for years. (Which I definitely wouldn't want to miss!)
2
profile image
🙏Stay with it... Go through your education at the BB and don't fuck up and you'll have a great foundation for yourself and your family! ✌️ Keep investing stably and treat yourself to something in between!!!
3
profile image
Very good! Everything has been right so far, just keep going 👍🫡👏
3
profile image
1
profile image
Congratulations, I always think that's great to read. Keep up the good work, you can make a good career in the Federal Police and really make a lot of money. If you start so young at the same time, you can build up a really good fortune.

I myself come from a really well-protected background and never had to do without anything - but I earned my/our portfolio with every single euro myself, together with my wife. On the contrary, we both paid for private studies at the beginning. In the end, you look at your little empire very differently than when you get 150k from your grandparents "as start-up aid".
2
profile image
@CMustermann You said it!

Thank you for your little story.
Studying is nothing for me because I don't study 😂

I wish you and your wife all the best and thank you for your great words🫡
profile image
@Wiktor_06 I thought so too😉

I'm now 26 years old & doing my A-levels.
I enjoy the fact that I'm expanding my knowledge. In contrast to compulsory schooling, you can choose the area that interests you during your studies.

But I only discovered this 3 years ago. Books like: Cafe an Rande der Welt or the 1% method, I can only recommend them to you legen☺️
profile image
@Pazi3 I also quit 6 years ago after my bachelor's degree and earned money straight away instead - now I'm doing my MBA at the weekend to complete my studies. You never know how things will turn out.
1
profile image
@CMustermann I'm also currently considering whether I should start with an MBA or a BBA. I think the basis should be rock solid, so I'm leaning towards a Bachelor's degree for the time being.

How old/young are you?
1
profile image
@Pazi3 I'll be 29 this year. I finished the MBA before 30, which was kind of important to me. The program lasts 2 years and I've been doing it since fall 2024
profile image
@CMustermann MBA is a bit more expensive from what I've read😉

Do you have a management position in prospect or are you doing the training for yourself?
profile image
@Pazi3 it is an investment, but you can write it off completely (if you work), and there are smaller grants. And the rest should pay for itself quickly I think.

I'm doing this for myself and would firstly like to complete my studies and then possibly go into consulting at BCG or similar. That would have been difficult with my (very good) Bachelor of Arts from a fairly unknown university. The MBA is already much stronger on my CV.
1
profile image
Many people should take this as an example. Your journey may have been tough up to this point, but at the end of your days you will have achieved more than all your colleagues who grew up in prosperity. Someone who has always had everything and was born with a golden spoon up their ass can't develop the drive to want to get ahead like you.
Keep going my dear 🚀
2
profile image
@Leipziger_Jung Thank you for the great words and your perspective.

I wish you just as much success 🚀
1
2
Well done. I wish you continued success.
But make Bitcoin your biggest position. Try to have 1 more Bitcoin.
1
profile image
@user5ca946a11b6a4278 Thank you, I have neglected Bitcoin very much.

But maybe I'll put in a tranche one day
1
Salute comrade and good luck

Keep up the good work, you can be proud of yourself, your sweat, the rides and all the ups and downs make us appreciate it all a little more.

Back anyway with the cops and all the best in all areas :)
1
profile image
@Brixxi13 thank you for the cool text!

And as you say, it makes you appreciate it more 💪🏻
1
profile image
Respect for your discipline and the will to take your fate into your own hands.
Many young people today don't get anywhere because they blame others.
Everything worth striving for is hard!
Keep it up 💪
1
profile image
@BigMo Thank you, my dearest!
profile image
You talk about growing and financially free and then mention the federal police with a collective agreement. Deadly risk and little financial leverage. Perhaps you should think about the free market economy.
1
profile image
@Aktienmasseur With my A-levels, I will still find many paths.
Nevertheless, I really like the current situation and think it's my dream job.

Thanks for the tip, though.
2
profile image
@Aktienmasseur Financial freedom has more than one face.

For one person it's no longer having to work & for someone else it's the ability to buy the things they want.

The perspective is completely different.

In the police force, you still have the opportunity to increase your salary by working overtime, training, etc..
You just have to put in the time.

Many in this financial bubble here see work as a "burden". It shouldn't be like that. If you enjoy your work, then overtime isn't a problem either😉
1
profile image
@Aktienmasseur so at 23 you can already earn according to the tariff and invest a lot sensibly in shares and real estate and thus leverage can grow into a considerable fortune over time 🤷
1
profile image
The best investment is in your own training and education. This means building up human capital and acquiring skills with which you can be successful.

Education also provides strong protection against poverty and other challenges. This human capital forms the basis for ultimately having a job.

With AI and AI, however, it becomes difficult I have to say...
1
Show answer
profile image
Very strong mentality
1
profile image
Keep up the good work, I'm glad to have colleagues like you in the future. Keep it up and welcome to the Bupo team 💪🏻
1
Congratulations for your efforts and achievements. Be careful with investing and stay humble, whatever is going to happen. Investing is important in life, but also having a good job is important, especially when you are so young.
1
I was once told, "Your autobiography would be a bestseller!" and I don't think that's because of my lifestyle, but because many people feel the same way, but wouldn't think of admitting their weak days and reflecting on why they are the way they are and what drives them - or slows them down. This article shows once again that everyone has a cross to bear and that no one is infallible, especially at such a young age. By the way, it's a revolutionary decision not to have bought this car! I felt the same way, I wanted to buy a Porsche Boxster when I was 18, had saved up the money and the change of perspective from wanting to being able to do so did the rest in the end - even when I was encouraged to do so. Cars are penny-pinchers par excellence and even today I wouldn't think of putting up the money for one. Time is on your side and as long as that's the case, you can afford the odd blunder if you stay the course.
1
Respekt.
1
profile image
Thank you, dear, for this great performance. You should actually go into schools with a story like this and raise awareness among young people.
Unfortunately, there is hardly any education here.
Or were you informed at school?
1
View all 9 further answers
profile image
Well done! Carry on! You have my respect! When you've finished your training at some point, don't forget to treat yourself from time to time and not just think about the future. Otherwise I think it'll make you unhappy if all your money goes into your deposit :)
1
profile image
Wow. Your story has inspired me. Really hats off to your CV and your achievements so far. Keep going! I'm excited to see where the journey takes you and you have a follower request! :)
1
Show answer
1
profile image
Recognize my beginnings in you. I am now 40, a father, investor, manager and entrepreneur. It's worth persevering. Good luck. 💪
1
Show answer
profile image
Great respect! Keep up the good work!
1
profile image
Great development! Stay tuned and the whole thing will become something real!
1
Show answer
Impressive. Stay with it!
1
profile image
Nice. Same here. Made significant jumps up the scoop-economic ladder and left my kids in a much better place.
1
Great! Keep it up and help others with your story, please don't try to proselytize
1
Show answer
Stabil stay tuned!
1
profile image
After your training, think about real estate as an investment as a federal police officer you have a great credit rating and can leverage so well alongside shares 🙏
Show answer
Join the conversation