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)?
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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@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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@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
• 2024: €825/month
• 2025: €1,375/month
• 2026: €2,700/month
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@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?
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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@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.
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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That's an amazing savings rate, especially at that age. How did you manage that, if I may ask?
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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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@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 😉
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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•@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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•@InvestingJourney Thanks, best of luck on your journey! 😌
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•@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.
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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