1D·

Investing to fight your way out of the underclass.

Summary after almost 3 years of investing.

I started saving/investing in the second half of 2023 at the age of 30. Up to this point, I rarely had more than €500 in my account (the 2 seconds it took for my wages to arrive before all the reminders and bills were debited don't count). To be honest, most of the time I had around minus €500 in my account. In a bright moment in 2023, I had the idea of buying a few silver ounces. In case the world collapses as an emergency currency and all that 😅. With €200 in my pocket, I felt like Warren Buffett when I drove to the nearest precious metal dealer. I even dressed up for the occasion with a coat and everything 🤣

Anyway, those first coins made me lick blood, so to speak, and from then on I started to educate myself. First came YouTube videos from finanzfluss and blocktrainer in which I heard the words ETF and Bitcoin for the first time. This led me to Gerd Kommer, the Etf Pabst. I devoured books and slowly began to realize that it might still be possible for me to at least work my way up financially despite having little education and few career opportunities. 3 years haven't even passed yet and today, on January 14, 26, I have €25,000 in my portfolio for the first time. Not much for most people, not much for me with my current mindset, but an unattainably high sum for the guy I was back then. 25k and debt-free is more than I could have imagined back then. Today I'm even trying to start my own business on the side so that I can invest even more. I would never have dreamed of that. I don't know if it's all just a nice illusion or if I'll still have to spend the rest of my life pedaling on the hamster wheel, but at least for now it feels like I'm on the right track, even if some people around me think I'll lose everything because it can't work out as we little ones aren't allowed to "grow up" anyway. I believe in it because I want to believe in it and, at least at the moment, I'm proud of myself and don't regret having made these decisions.

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27 Comentários

Tom M.@Lumimyrsky

very very strong. Butter up the next bear market and you'll be a millionaire by 50

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INVESTDALF@der_Ahnungslose

@Lumimyrsky thank you 🤗 being a millionaire probably won't work out with my low savings rates, but of course you're right! I'm looking forward to the next bear market. Something I've also learned in the meantime is that crises are opportunities 😁

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Krush82@Krush82

@Lumimyrsky I'm also dreaming of a million before I retire, and that without making continuous, relevant contributions - whether it will work out in the end .... who knows........there's still a long way to go - but I believe I can do it. That's what counts, just keep at it and persevere

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Wealth-Accelerator@Wealth-Accelerator

25,000 euros in a deposit at 30 is a lot for most people. Just not for most people who are here in our bubble. But top outside the bubble. Keep it up 👏

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Barnie@barniedave7

I wish you only the best

The story is simply 1/1 the same as mine, I am also 33 years old but unfortunately I only started a good 6 months ago.

Still proud of my journey so far though
I come from 1k debt with a debt collection company and have made it to a net worth of about 8k so far and currently have about 3.5k of that invested

My monthly savings rate is unfortunately not that high, only 300 euros investment and 100 euros nest egg (until it's full).

I literally worked my butt off for a good 6 months with extra layers to improve my cash until I built a system that now works without extra layers

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INVESTDALF@der_Ahnungslose

@barniedave7 thank you, I wish you the best too! perfect! I can't manage more than 3 to 400 euros a month either. Just keep at it! Now I'm slowly starting to feel the price gains, it's getting more and more fun over time 😁
What is your strategy? What do you invest in?

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Barnie@barniedave7

@der_Ahnungslose I am one of the more boring ones, I would say
I only invest in the Ftse all world, plus 15 percent stoxx Europe 600 and 15 percent Bitcoin.
Classic buy & hold

I once started looking at individual stocks, but I quickly realized that I'm not the type for that and should leave it at that

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INVESTDALF@der_Ahnungslose

@barniedave7 my portfolio doesn't look much different, except for the fact that I prioritize and heavily overweight Bitcoin until 2030, after that I butter more in the FTSE.

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Kalle@Brazzo_Muc

You are a great example of what the mindset is all about. The silver coins were the initial spark and then you kept informed and kept going. At 30, you still have a lot of time ahead of you. All the best for the future!!!

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Eddi@financial_ninja_104

Honestly. I think it's almost impossible to reach a million by the time you're 50, as Tom just said. But...
Yes, what you've achieved so far is very impressive. And quite honestly, it doesn't matter whether it's 100k, 250k or 500k by the time you're 50.
The important thing is to keep at it and take advantage of compound interest. In other words, reinvest dividends. Then you'll have plenty of pocket money to supplement your pension until you retire. For me, it's around 700 euros in the months with few dividends and an annual average of over 1200 euros per month. But I've also been invested for more than 30 years and unfortunately I didn't have much money or the courage to buy these shares when they were down 80-95%. Today I would probably have more courage to add to my portfolio. The journey is the goal. It doesn't matter whether it's another 10, 20 or 30 years to the million.

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Chris@Multibagger

Congratulations on your journey so far. Keep it up! And you can be very proud of yourself and what you have achieved. And with your journey from € 200 to € 25,000 in just under 3 years, more people will soon be following you here than me. After all, I also started with €3,000 in 2023 and haven't reached €25,000 yet, but I'm taking on the challenge 😉😂😎

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Metis@Metis

Similar to me, keep going!

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TheCashConcierge@TheCashConcierge

Similar story to me. You're great, give me a hug! We'll make it 💪

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Wiktor_06@Wiktor_06

Very cool post with good self-reflection.
I hope that your mindset continues to run like this and that your self-employment comes to fruition.

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Tobi60@Tobi60

Very cool. At some point, the penny drops every time, you think.
Unfortunately, for some people it never does.
I hope the self-employment thing works out and then the penny really will drop at some point.

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Boris@Lautern98

Don't put yourself under pressure, you've turned the corner, that's important. Very few people invest at all. SO....STAY TUNED !!!!!

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Kostja@Kostja007

May it be granted to you and all of us 💪

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Thoŕton@Notroht

Stay tuned! It will work out!

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UliB@UliB

A lot of respect!!! 👏

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Thom@Depot_7777

welcome to the club, most people want to be better off towards retirement and lead a dignified life. ... that is the way ...

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HyFive@HyFive

Good performance & keep up the good work 👏🏼! Find a cheap wife who can drive, mine cost 57k last month. I love her! 🤤🙉🫡

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INVESTDALF@der_Ahnungslose

@HyFive thahaha since I don't have a private car at the moment and only have more company cars, mine always drives her car when we have to go somewhere 😂😂😂😂

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Danone1986@Danone1986

20H

Awesome, keep it up. From dishwasher to millionaire is a cooler story anyway.

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Gomerdoc@Gomerdoc

17H

Yes, millionaire at 50, or let's say 60, 30 years of investment: that is absolutely feasible, in my view even unavoidable.

Stiftung Warentest did a very good job of calculating this in November 2025 for ETFs, using MSCI WORLD as an example:
Historically, sometime between December 31, 1969 and June 30, 2025, an average monthly savings rate of €77 over 30 years would have been enough to have started a fortune of €100,000 on average with ZERO starting capital.
With the S$P500 (if I remember correctly, not Warentest) €500 a month over 25 years would have been enough to make a million.

I have no idea what your monthly savings rate is now. But it may not always stay this low. And the key point is: time!
If you have it, don't gamble, but invest fundamentally sound:

Then a considerable amount will come out of it at 60. And as I said: 1 million is not rocket science. Dividends received either reinvested in ETf or always reinvested by yourself, or manually reinvested in shares (the latter is much more complex and difficult, however, and I doubt that there is anyone out there who has been doing this consistently for over 30 years and has the desire to trade individual shares for over 30 years:

I've been doing it now to varying degrees and varying extents since 1985, and quite honestly, stocks are increasingly getting on my nerves😆, age-wise, even though I don't make any relevant losses but actually only gains over time.
I increasingly want to have my peace of mind: and that means clearly switching to ETFs):

That works. Keep at it!👍💪🏼

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INVESTDALF@der_Ahnungslose

17H

@Gomerdoc I actually have quite an aggressive plan and I am aware of the risks. I invest €200 a month in ETFs (FTSE all world and Msci Em) and €2-400 a month in Bitcoin until 2030, plus occasional silver and gold purchases (physically I also have a bit of a hobby collecting silver coins). From 2030 I will reduce my BTC purchases to a minimum and then put the largest savings rate back into Etf's.
The idea would be that I only have to work 1 to 2 days a week from around my mid-50s. And in order to realistically achieve that, I have to take a bit of a gamble. That's why the front running with Bitcoin, so to speak, because the etf with the 5-8% average won't run away from me. But Btc might

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Noob S.@Noobster

Totally impressive. To build up such an amount from nothing with presumably manageable available cash.

But what I find much more important is your attitude to money, saving and co. You now have this asset forever and will "earn" or save significantly more than this 25k, I'm sure of that.

Keep up the good work!

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Burbank@Burbank41

Simply very nice to read! 🎉

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