1D·

50 G’s, Baby! 💸

After 30 months of consistent investing, I’ve finally reached €52,000 invested at the age of 24. It hasn’t been easy, especially since Belgium doesn’t have apprenticeship programs like some other countries. Every euro I’ve invested has been earned through student jobs and freelancing in my spare time.

31.07

SPDR MSCI World ETF

Bought x92 at €45.67

€4,201.64

36 Comments

ETFBAAS@etfbaas

A source of great pride

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Centurion@Centurion10

@etfbaas Sure! Now let's go for 100K. How's your portfolio growing?

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DEW_7240@DEW_7240

Congratulations on this achievement.
If I understand your numbers correctly, you are planning on investing 2'700€/mo (deposits)?

And you invested 51'165€ already (the hard earned money)?

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Centurion@Centurion10

@DEW_7240 Thank you! I invest an average of €2,700 per month. So far this year, I’ve invested a total of €19,140. At the moment, I have €51,165 invested after selling all of my positions at the beginning of June.

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Centurion@Centurion10

@DEW_7240 The actual cash I’ve contributed is €45,400 over the past 30 months, which works out to an average of about €1,500 per month. That said, my investment rate has increased significantly over time:

• 2024: €825/month
• 2025: €1,375/month
• 2026: €2,700/month

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DEW_7240@DEW_7240

@Centurion10 even if you would stop investing in ETF/Stocks and just put 2'700€/mo you would reach 74'144€ by March 27.
So which is true?
A) your investment is burning money/barely beating inflation?
B) you will reach 75k€ much earlier than anticipated?

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Centurion@Centurion10

@DEW_7240 Neither, and the second one is actually backwards.

The €2,700/mo dominates because €52K at 8% only earns ~€4.2K/year while I’m depositing €32.4K/year. Deposits are ~8x returns at this balance. That’s normal for this stage compounding doesn’t take over until the portfolio is several times my annual contributions.

On B: the Mar 27 milestone already assumes 8%. Your €74,144 cash-only figure doesn’t cross €75K until April. So stripping out growth pushes the date later, not earlier.

And the +2.7% isn’t 30 months of returns, I sold all positions in early June, so the cost basis reset. Against the €45,400 I’ve actually contributed, €52,544 is a €7,144 gain.

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InvestingJourney@InvestingJourney

That's an amazing savings rate, especially at that age. How did you manage that, if I may ask?

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Bakfietsmeneer@Baklapverkoper

2.7k per month with student jobs and freelancing at 25? Seeing you are from Belgium - the country of old money, family gifts and inheritances - I have a hard time to believe. Especially since I know first hand how time consuming studying there usually is (not a lot of time for other things like student jobs and freelancing). Lol.

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Centurion@Centurion10

@InvestingJourney I live in a student dorm and spend around €1,000 per month, including rent. I don’t own a car, and the only things I really spend on are dates and gifts. Other than that, I keep my expenses low.

I track every euro I spend and optimize one metric: my savings rate. It’s improved steadily over the years:

• 2024: ~33%
• 2025: ~61%
• 2026: ~83%

It wasn’t always this way. In 2024, I hit rock bottom after losing almost all of my money on a deal that went sideways. I was left with just €250 to my name.

To earn money, I started with odd jobs: garbage collection, factory night shifts, delivery driving, moving, bartending, and retail. Most of those paid around €12–15 per hour.

In 2025, I landed a freelance contract with an SMB, where I help improve productivity, traceability, and overall profitability. Today, that work pays around €60 per billed hour.

I’m still a full-time student, so I work before and after classes, on weekends, during holidays, and throughout the summer and winter breaks. I put in a lot of hours, and every six months I renegotiate my rate to reflect the value I deliver.

I hope that answers your question 😉

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InvestingJourney@InvestingJourney

@Centurion10 Thanks for the explanation! That sounds really interesting, and it's great that things are going so well for you. Best of luck going forward 🤗🤙

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Centurion@Centurion10

@InvestingJourney Thanks, best of luck on your journey! 😌

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Centurion@Centurion10

@Baklapverkoper “You’re Belgian, so it must be inheritance” …brilliant. By that logic every Dutchman here is running a tulip cartel.

You couldn’t fit a job around your own timetable, so you concluded nobody could. That’s not scepticism, that’s a self portrait. I graduated cum laude while billing the hours you’re calling impossible, the only data point here is your ceiling. Lol.

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View all 7 further answers

dividend_dynamo_nylbc@dividend_dynamo_nylbc

What app do you show us there?

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Centurion@Centurion10

@dividend_dynamo_nylbc It’s a IOS widget I’ve programmed. Since the native Getquin ones are ass.

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Mav83!@Maverick4831

@Centurion10 wher can we get that widget?😃
btw. congrats to your discipline and achievements

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S@LelouchLalouch

@Maverick4831 Claude can program it for you in a 10 seconds

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Mav83!@Maverick4831

@LelouchLalouch no experience with claude so far…

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Tanktycho@Tanktycho

Nice!

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Tanktycho@Tanktycho

Can we also get this app? ;d

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bar33@emppsb

Let’s goo baby 💪💪💪

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Centurion@Centurion10

You already know @emppsb! No magic number this month, maybe next month I’ll add enough 69 shares. 😉

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Alexander van Nedersticht@YourAverageFinanceBro

You're doing great, buddy 👍🏻👍🏻

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Centurion@Centurion10

@YourAverageFinanceBro Thank you! How much more do you need to reach 30K?

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Lance@IsaiGM

What apprenticeship programs?? im spanish and we dont have one, you have to learn by yourself

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investor_wdfrf@investor_wdfrf

what this name app plis ? thanks

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Centurion@Centurion10

@investor_wdfrf No app, I made it myself.

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M_Dx@M_Dx

18H

Great achievement! But: it seems you made very marginal return only, is that right? Looks as if c. EUR 51k of the c. EUR 52.5k were "invested". This would be tough considering you are investing since 30 months...

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Centurion@Centurion10

14H

@M_Dx the €51K isn’t my actual contributed capital. Earlier this year, in June, I sold most of my portfolio and reinvested the proceeds into $SPPW.

My actual invested capital is around €45K, which means the portfolio is up by roughly €7K.

That works out to an approximate return of 15.6% (€7K gain on €45K invested) over the past 30 months.

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