1Sem.·

+++ Community survey +++

I would also be interested in the personal level on the platform, so I would like to know.

How old are you?

What is your profession (sector)?

What your annual salary is in gross + all other income

Your portfolio value

Hobbies / interests

Expenses

Generally interesting things

If you want to remain anonymous or do not want to give out information, then leave out individual details :)

About me:

22y

Student/ self-employed/ M&A internship/ working student

Annual gross difficult to determine currently All-In 25K

65K in custody account

Hobbies: Adrenaline junkie (motorcycle, MTB, ballroom dancing, GYM ...)

Now it's YOUR turn!

I nominate:

@Tenbagger2024

@Multibagger

@SAUgut777

@Simpson (maybe we'll get some info from the Star Investor)

@Iwamoto

@Crash-Propheteus

Feel free to nominate 2-3

91 Commentaires

Keks@Keksbaer

1Sem.

I am 36, single parent with 2 children (4 & 5), widower, production planner in the concrete industry, annual gross salary approx. 40k at 30h/week + care allowance for foster child + parental pension.
Deposit currently approx. 150k
Hobbies are cycling and running and getquin :)

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Alister@Smash_the_Ks

@Keksbaer Hats off 👍🏽 very strong

••

Keks@Keksbaer

@Smash_the_Ks Danke

••

devnerd_daddy@devnerd_daddy

@Keksbaer In addition to my sympathy, you also have my utmost respect. Difficult situation and difficult age ❤️

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Keks@Keksbaer

@devnerd_daddy Thanks for the words and you've basically said it all.

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NichtRelevant@NichtRelevant

1Sem.

51 years old, married 2 children (6+8)
Education: Dipl-Ing Architecture
Occupation: Pensioner/investor/janitor😅
Annual gross household income: approx. 125tsd
Expenses: 8.5tsd per month (yes, that's a lot because of pension, private health insurance, family of 4, 2 residences).
Deposit: about 560tsd.
Real estate: 60 residential units, market value approx. 5 million with just under 2 million in debt.
Hobbies: I just want to sleep!

I am currently dividing up an apartment building with business partners and we are selling off the apartments. We also run a student residence with 42 furnished student rooms.
I'm also trying my hand at three building plots, but the district office has really blocked me - we'll see how things go from there.

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user0e3jddwsjxu@user1d7gf8465j461735

1Sem.

@NichtRelevant Impressive journey, really respect.
I'm 25, a civil engineer 👷‍♂️ in construction management with a year's experience and currently spend at least 10 hours a day on the construction site to learn as much as possible. University and construction site are two different worlds 🤣

I would be very interested to know what your career path has been like and how you have managed to build up so many properties. Do you have any advice for someone who wants to become self-employed in the long term? In your opinion, are there any niches in our industry that still have a lot of potential today? I would be very happy to hear any advice.

Have a nice Sunday 🎄

••

NichtRelevant@NichtRelevant

1Sem.

@user1d7gf8465j461735 I think we're all on a first-name basis here - I feel younger that way too - haha. :)

It just looks planned, I really kind of "stuffed myself into it". It didn't actually start out so well.
I was employed in an architecture firm - that was in the early 2000s. The construction industry was bad, there was little work. When my project was finished, I was fired along with my entire team.
Instead of looking for a new job, I opened an office. And I built a house on credit to sell it and have a reference for my office. That only worked out halfway, the house was nice but expensive - I couldn't sell it for the price I wanted and then rented it out. That was my first step into the rental business. My learning was that renting out a new single-family home doesn't really work. Then I bought an old apartment building and rented it out - that was at a time when everyone was in stocks and nobody wanted anything to do with real estate. Real estate was therefore relatively cheap. Renting out existing properties then worked out much better.
The "booster" for me was the move from the old to the new federal states. I sold the real estate portfolio I had built up in Bavaria and bought properties in Leipzig for very good entry-level prices, which were technically in much better shape than the stuff I had before. Leipzig was just making the transition from a city with a lot of vacancies to a growing city with full occupancy. That helped enormously.

Opinions on real estate vary greatly. My opinion is: I think real estate is great, but of course it's not a passive investment. There's always something to do and with the number of units that are there now, I'm always in trouble somewhere. Water damage, heating failures, vandalism, loss of rent etc.. The good thing is that you can (and should) use a lot of outside capital and you can achieve a lot as a result. You just have to be careful not to "leverage yourself to death" out of sheer greed or a misjudgment. The biggest danger I see at the moment is regulation from the state, which can change at any time (rent caps or rent brakes, energy saving regulations, compulsory renovations, property tax, etc.). You have to find the right location to invest in, then I think it will still work today. If you do furnished rentals, you can increase returns, but you also have more work. I personally find commercial letting relatively risky, as there is usually a huge cluster risk.

As a construction manager, I might find "Fix&Flip" interesting. Buying empty apartments from a fed-up former owner and landlord, renovating them and selling them on to owner-occupiers.

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Klein-Anleger1@Klein-Anleger1

1Sem.

Hi,
I am 17 y old
Profession: student in EF at grammar school 😆
Annual salary very unstable because I only do vacations or mini-jobs
Deposit value: low 5-digit amount
Hobbies: Fishing, shares, meeting friends
Expenses: Cell phone contract and eating out with friends, maybe 50-70 euros
Perhaps worth mentioning: I am a committed free-church Christian and would like to study mechanical engineering...

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Eugene H.@RealMrKrabs

1Sem.

Great idea! I'm looking forward to finding out the background of some well-known profiles!

About me:
30 years
Civil servant
No idea - I only calculate in net - currently 110000 per year
73k exclusively in distributing assets (want to leave Germany as soon as possible) + 40k cash holdings
No hobbies: I only go to work and watch Netflix, every financial expense causes me physical pain
Expenses: Rent for my wife in Germany + 80€ per month at Lidl

General: I am a German civil servant working abroad for the EU. I receive my German salary + foreign allowances + EU foreign allowances. I deliberately chose this extremely sad life in order to build something for my family. I see my wife about 4 weeks a year.

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ShrimpTheGimp🦐@ShrimpTheGimp

1Sem.

@RealMrKrabs Money or no money, but that sounds really sad 😢

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Chris@Multibagger

1Sem.

My CV is pretty well known here, as I've already made it known as part of my project presentation.
60 years old, married, 1 son who graduated from high school this year and will be doing a dual course of study next year.
I've been a salesman through and through for 30 years with fluctuating income and currently average 75k a year. It used to be a lot more, but I always worked and was self-employed. I only have my current project as an investment. I spend most of my money on travel. I don't save anything. What is left over is spent. I want to enjoy the next few years with my wife for as long as I can and see a lot more of the world.
So it's totally boring and average. The only really crazy thing about me is my stock market project here and, according to my wife, myself!

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Eugene H.@RealMrKrabs

1Sem.

@Smudeo I was wondering when the first SOS would appear here. Do you want to say what you find so bad about it?

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Smudo@Smudeo

1Sem.

@RealMrKrabs Finally never pressed SOS 🆘 so quickly. Do the beginners no longer dare?
To your question:
Well with the income and no average standard of living, the majority don't feel comfortable.
If you only save, you won't have more to live on afterwards - note that the shirt has no pockets.
Then you won't have more in the future than you have now.
Live now and enjoy You don't know what's coming.

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Eugene H.@RealMrKrabs

1Sem.

@Smudeo I understand your point of view. I'm doing without now so that my family can enjoy their lives in the future, do you understand that too? I'm not just doing this for myself.

The shirt has no pockets, that may be, but the wealth will be passed on and with a bit of luck & understanding my children/grandchildren will make something of it one day.

If you never start but always think of yourself, you only have what everyone else has.
I think it's a shame that you gave me an SOS. In my eyes, I am a hero for my family because of the sacrifices I make.

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NichtRelevant@NichtRelevant

1Sem.

@RealMrKrabs Hello Mr. Krabs,
I think what you're doing is very noble. The idea behind it is to build up assets as a basis, which ideally will be strong enough to live off the income. Once this has been achieved, you can really look to the future with peace of mind, as you are no longer dependent on traditional gainful employment. What's more, unlike a traditional state pension, you can then pass this basic income on to the next generation. I think that's very worthwhile and completely okay to cut back for a while and make sacrifices. I also worked extremely hard for many years and didn't take a real vacation for 7 years in a row, for example. Instead, I've been at home for two years now and only do projects that I enjoy.
Just don't forget to make a change at some point and live a little too. I think you should define the time for this so that you don't 'accidentally' miss the jump. You can set a date or an asset level for this.
-> Oh how beautiful is Panama 👈😉. I wish you every success!

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Eugene H.@RealMrKrabs

1Sem.

@NichtRelevant Thank you very much for the warm words! I'll take your advice to heart 🙏🏼 but I still have a bit to go through to get to where you are 🫡

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KevinE@KevinE

1Sem.

@RealMrKrabs I personally don't see you as the "hero of your family".

My father was the same. Self-employed (freelancer), always remote (my father had one of the first ISDN connections ever). 3 customers (Telekom, Huawei, Siemens) brought in 90% of the turnover. My father on the other side (niche). He never hired anyone and completely wore himself out over 25 years.

My mother put up with it, the marriage somehow survived. Even the years when he worked 110 hours a week.

I have virtually no childhood memories of my father. There was one Saturday evening when I was about 7 when he took me to the sports field to practise full-court shots. That was the big exception.

Otherwise, work was always more important. I got to know him when I was in my late 20s, when I was already living 300 km away and his work was slowly dwindling. After that, he called his white-collar work the passive part of his semi-retirement...

I now get on well with him. Nevertheless, a father figure in my life would have been better than a shadow that I only know as he stuffs himself with as many calories as possible in 5 minutes in order to go back to work.

It was a cautionary tale for me. I'll probably inherit quite a bit when my parents are gone. But to be honest - I would have preferred to have a father (who deserves the title) than to inherit a few million at 60...

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Eugene H.@RealMrKrabs

1Sem.

@KevinE Thank you for your feedback. It has to be said that we are still childless. Planning to have children is extremely difficult when you hardly ever see each other....

In German, every shot has to be a hit 😅 and who knows, maybe my view will change as soon as children are in the house. All the best for the future 🙏🏼❤️

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KevinE@KevinE

1Sem.

@RealMrKrabs am in a similar phase. We're also trying at the moment. However, my wife has pre-existing conditions (including PCOS), so we don't know whether it will work at all.

In addition, my wife has a stressful job (temporary, federal authority, long commute, is only ever extended for 2 years), I also have a temporary job (automotive). We actually have a good buffer now. Just no "job security" apart from our (on paper) good qualifications.

On the other hand, there's no such thing as the perfect time - but once the train has left the station, you can't catch it. That's why we're just going to give it a go and see what happens.

What is your exit scenario? As a civil servant, can't you already do that now? Sure, you'd lose a good part of your salary. But you would probably gain a lot in terms of quality of life (both you and your wife), the chances of having children would increase... how does your wife see it?

In any case, I wish you all the best and the right decision. Unfortunately, you can only judge what it looks like ex post...

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Chris@Multibagger

1Sem.

My CV is pretty well known here, as I have already made it known as part of my project presentation.
60 years old, married, 1 son who graduated from high school this year and will go to university next year.
I've been a salesman through and through for 30 years with fluctuating income and currently average 75k a year. It used to be a lot more, but I always worked and was self-employed. I only have my current project as an investment. I spend most of my money on travel. I don't save, what's left over is spent. My wife and I want to see the world for as long as we can.
So I'm a totally average guy. The only crazy thing about me is my current project here and, according to my wife, myself😉😂

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Smudo@Smudeo

1Sem.

@Multibagger phew, now I'm surprised!
Why?
Your fake profile picture shows you to be more agile.
Your options trading here is highly risky.
Some comments on posts seem derogatory.
But if what you've just written is anything to go by, I really like you.
Have a nice Sunday my dear

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Chris@Multibagger

1Sem.

@Smudeo Once again you see what internet pictures are worth? Nothing!😂 I wasn't so much interested in the person in the picture. Rather the saying applies to many situations in my life.
Have a nice Sunday too.

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Smudo@Smudeo

1Sem.

@Multibagger 😃 achso when I click on the picture there is also text?! I wasn't even that far from your profile @Testo-Investor has managed to block itself from the first post 😁

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Testo-Investor@Testo-Investor

1Sem.

@Smudeo What did I do? Who blocked whom? 😂😂😂

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Horsti@Horstiiii

1Sem.

Age; 43 years
Profession: Business economist (insurance)
Income: 100,000 euros gross + 10,000 dividends net + my wife's income
Portfolio value: 300,000 k
Hobbies: Sports, family, soccer,...
Expenses: I don't know exactly what my expenses are. However, my income is enough for me not to have to worry about daily expenses...
Other: Married, 2 children (4/7), own home

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KevinE@KevinE

1Sem.

@Horstiiii just for reference, k means 1,000.

300,000k is €300 million. 🙃

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Horsti@Horstiiii

1Sem.

@KevinE Thanks for the hint. That was probably wishful thinking ;-)

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ShrimpTheGimp🦐@ShrimpTheGimp

1Sem.

About me:

- 38 years old

- work full-time as a department manager in the event industry

- in a relationship (8 years), not married and still childless

- Income approx. 120,000 per year (normal salary, mini-job and self-employment)

- Custody account (only started in 2024, better late than never) approx. 100,000€ - Have 2 custody accounts a growth account and a cash flow account (currently 1500€ dividend/year), fixed savings rate 2500€

- Hobbies: Finance, sport and, if there's time, gambling. I also love traveling, but I'm not a beach and all-inclusive fan. I'm very spontaneous on vacation and live from day to day. Hate planning everything.

- I have a very good overview of my spending, between €2000-2500 depending on the month, the rest is invested in full.

- My goal in 20 years (58 years) would be to only work part-time, possibly stop working completely and devote myself fully to life. But that will be a long and rocky road 😅

-Quality of life should be halfway there, but I don't attach any importance to material things

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KevinE@KevinE

1Sem.

@ShrimpTheGimp But you did a complete 180-degree turnaround last year... or did you just collect money in your savings account before that?

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ShrimpTheGimp🦐@ShrimpTheGimp

1Sem.

@KevinE No, I only had around €15,000 in my savings account. I detached the pension module from my occupational pension and had it paid out. And in December there was an additional bonus from my employment. I've also been extremely frugal since I started. 😊 Price gains and realized profits (approx. 5.5k each) are also added.

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KevinE@KevinE

1Sem.

@ShrimpTheGimp It was relatively similar for me. When I read up on the subject, I was pretty fomo. I put every cent into it. You can slowly see the first fruits after 8 years on the stock exchange.
And they definitely taste good.

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ShrimpTheGimp🦐@ShrimpTheGimp

1Sem.

@KevinE Very nice 🤩 I'm very pleased. It's very important to me at the moment, as I started rather late in life. That's why I'm currently trying to invest as much as possible. As long as there are no children yet or a major investment is pending, I am fortunately still in this privileged position :)

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HyperX@AxoWallStreet

1Sem.

Age: 27 years
Profession: IT Inhouse Consultant
Income: ~60k€ gross
Deposit: 130k€ + 25k€ reserves
Expenses: no idea, I don't have them on my list right now
Hobbies: Gym and everything else that has to do with sports, traveling, food...
Other: Single... 🥲

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JuniorBuffett@JuniorBuffett

@AxoWallStreet Hey, may I ask where you are employed?

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DerDanner@Therapeut

1Sem.

Nice idea,
I am 25 years old, girlfriend, occupational therapist with minijib approx. 44,000 net per year.
Deposit: € 140,000
Approx. 100 €/month dividend
Start my own occupational therapy practice in 2026.
Very low expenditure.
Hobbies: traveling a lot, 2026 Portugal, Peru, gym

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Tilo@Lescienx

1Sem.

@Therapeut really cool guy! Keep up the good work. But take care of yourself

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EugeneKrabs@Danicx13

1Sem.

Age: 26y

Profession: Logistician but meanwhile applied for the police (need a career change)

Hobby: Stock market😋, gym, cars, coffee, Schalke 04, bonsai tree, gaming

Deposit: approx. 75k

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Eugene H.@RealMrKrabs

1Sem.

@Danicx13 Which police force did you apply to, if you don't mind me asking?

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EugeneKrabs@Danicx13

1Sem.

@RealMrKrabs Guard police in Hesse

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Eugene H.@RealMrKrabs

1Sem.

Good luck my good man! 🙏🏼

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EugeneKrabs@Danicx13

1Sem.

@RealMrKrabs thank you ☺️

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yohji@finance_ninjaa

1Sem.

@Danicx13 Hey, I'm about to graduate from high school and then wanted to study business administration with a focus on logistics management, can you recommend it and do you have any tips for me on where I should start applying or how good I need to be?

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EugeneKrabs@Danicx13

1Sem.

@finance_ninjaa I have no idea, I didn't go to university. I did an apprenticeship in logistics - fkl

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yohji@finance_ninjaa

1Sem.

@Danicx13 achso okay thanks anyway

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Cristiano@Siiiuuu_7

Oh! Twice Mr. Krabs. So who is the real Mr. KRABS? 😂👍🏼

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SGP@Koenigmidas

1Sem.

34
Healthcare and nursing staff
98000 depending on exchange rate and shift allowances. Other income Rent
Deposit value unimportant only the return counts.
Hobbies: reading, sport +f1
Monthly expenses approx. 3800euro (investments and amortization are included)
Interesting bonuses: used to be a local politician and 12 years in the fire department. I won a car years ago.

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Luke@lilalu0705

1Sem.

35, married, project manager in the energy sector, earn 100,500 gross plus 25k bonus - plus my wife's salary as a civil servant in the higher civil service. As of this year, I have 100k in my portfolio and my wife around 250k (quasi model couple - but I still think I'm permanently too poor)

I'm currently looking for an MBA to better position myself for the future, perhaps even abroad.

I currently invest €1,150 per month in ETFs and around €600 in shares. In 2026, I will halve my savings rate and invest cash in a property as I have reached 100k.

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StArGiAnT@StArGiAnT

@lilalu0705 What projects are you working on in the energy sector? I would be interested in the focus areas.

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Timo@T1_mo

1Sem.

-24 years
-Diploma in finance (tax officer)
-€41,000 gross per year, no other income
- 65k
- Badminton
- I don't know the amount of expenses right now, but €1400 is invested per month
Otherwise nothing special. Still live at home and hope to take over the house in 3 years + possibly do the tax consultant (approx. 10,000€)

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Andi O.@AndioMsen

1Sem.

37 years old, 1 child, girlfriend for 10 years, unmarried, salesman in the food industry, full-time, 50k annual gross salary + variable bonus 8k... live for rent... Deposit value 10k... Started investing 2.5 years ago...

My girlfriend is a part-time industrial mechanic at Mercedes + side business with photography... Annual gross 45k + 10k side business

Goal: reasonable pension provision without financial worries in old age

Own property in 2-3 years

Parents have 2 properties that I will probably inherit at some point...

Hobbies: ice swimming, soccer, finance, traveling

Best regards

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ddoc@ddoc

1Sem.

Hi, I'm 31, engaged
IT employee with 30h/week (next year I will go to 24h/week)
Income ~ 57k gross
Deposit ~ 1 million
I used to count every cent of my expenses. Currently I can't even say ~ 1500€
I am actively looking for hobbies.
My job is taking a back seat and I realize that I don't know exactly what to do with myself.
I've read ~25 books this year. Would like to start DnD and soon 3D printing. Otherwise gaming

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Lukas98@Lukas98

1Sem.

27 years old
Social insurance clerk (statutory health insurance)
Annual income approx. 60k gross
Deposit value 45,000 and approx. 500 euros savings rate

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misinvest@misinvest

1Sem.

Age: 22
Profession: BI developer and master's university student
Income: 24k gross
Portfolio value: just hit 10K
Hobbies: gym, sports
Expenses: rental fee, food, and other home stuff
General: I live with my girlfriend in Belgium. We split the expenses according to the ratio of our monthly salaries.

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Hennington Global Markets@HenningtonGlobal

1Sem.

22 years old
Student of Political Science & Business Law WU/University of Vienna with semesters abroad at the University of Warwick and Science Po (which I am very proud of because it is top 3 worldwide for political science.
Salary n/a
Depotvernögen n/a
Hobbies: weather/markets/history/gym/running
Expenses n/a
Former civilian paramedic + active volunteer paramedic
Internships at OPEC/Welt Bank/OSZE

And of course Getquin Content Creator from @HenningtonGlobal 🦅

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Spielwiese@Spielwiese

1Sem.

35 years, civil servant, total 100k,
Start 10/23 now 55k deposit value,
skiing, motorcycle, building site/renovation
Financing rental units, currently renovating my future residence

Would also like to meet up with other community members in the Stuttgart area for a 🍻.

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EN-SX@en-sx

1Sem.

58 years old, senior employee in the public service, married with 2 children (22 "at university" and 28 "in life"), 90k + rental income + wife's salary. We spend around €3,500 a month on ourselves, the rest goes to education support and a deposit. We plan to retire in about 5 years.
My monetary socialization was of the "property and life insurance, that'll fit" type. But you learn something new (e.g. here), even if unfortunately quite late.
Leisure time: Traveling with the van/motorhome and exploring Europe. Family man, dog man.

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HoldTheMike@HoldTheMike

1Sem.

Will be 30 in a few days, social education worker, gross annual salary just under 60k, 25k depot work, hobbies: bouldering, collecting mushrooms (edible), expenses would be too high.

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Luis B.@Laruibasar

1Sem.

Well, I’m 41, from Portugal, work as software developer and gross around 50k€ with variable bonus. My portfolio is around 16k€, mostly due to starting late. Just do kickboxing and not more due to my kid which relates to normal expenses.

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Ironicsw@IroNicsw

1Sem.

36y, married, 1 child
Engineer for energy technology / federal construction
approx. 70 k gross, home built in 2022 + inherited condominium (rent),
40 k deposit value
Family, travel, MTB, photography
1.3 k monthly expenses + 1.4 k house deduction + 850 euro savings rate, generally try to live very frugally, but must take at least two vacations a year

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Papermaker@papermaker

1Sem.

28y, industrial foreman, single
approx. 75k gross annual salary
Currently at 12k deposit value (started this year)
180k cash on hand waiting for more favorable entries on the stock market.
Soccer, hiking, reading
Savings rate currently 1000€/month.

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Paul@Derlilapimp

1Sem.

Age: 22years
Profession: Dual student civil engineer
Annual salary: 13000€ gross + travel expenses + 600€ per month through part-time job
Deposit value: 78k
Hobbies: Weight training, traveling
Expenses: Vacation, apartment, girlfriend, Tipico

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Aktien365@Aktien365

1Sem.

39 and married
Profession: IT Enterprise Architect
Deposit value: €130,000 (start 2023)
Hobbies: 3D printing

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Marlon@MarlonInvest

1Sem.

21y
Dual student (Wing)
18k 35h/month
30k for 2 years
Sports (jogging, swimming, gym), reading, perfume, record player

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GonnaCatchEmAll@GonnaCatchEmAll

1Sem.

34y / engineer (DAX company) / with everything 115-120k gross (12x assembly salary = 95k) / approx. 5k dividend p.a. / 435k in portfolio / soccer and bodybuilding / renting / newly married / no offspring

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yohji@finance_ninjaa

1Sem.

About me: 17, student (Abi and so on), play volleyball+gym, guitar and was lucky that my parents saved money for me --> deposit at about 30 k and about 3-4k cash quota :) I want to study logistics management after graduation (in 1.5 years) and am still looking around for an internship this summer to have a look around

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Founder@Cyprus-Founder

1Sem.

- I am in my 30s
- Founder
- Single with 1 child
- Net salary 4.000€
- Portfolio Value 4.900.000€ ( public profile, if someone interested) + Company assets
- I go to the gym, play padel, running. Quite active actually.
- Rent is my biggest expense around 3.000€. Else I do not spend much from my point of view.

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