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"Cheesy Goulash:
Our Tasty Path to Barista FIRE"
A Dutch-Hungarian Couple’s Recipe for Semi-Retired Life
All Posts


Week 3: Why We Plan to Save—and Still Don’t: A Deeper Look at the Behavioral Life-Cycle Hypothesis
A familiar struggle John is 36, married with Angela. He works in Finance, makes a decent salary, and has read quite share of personal...

CheesyGoulash
Sep 56 min read


Week 2: Turning Invisible Money Habits into Powerful Levers - Mental Accounting
A Story That Feels Familiar It’s the end of June. Lotte gets a €1,200 tax refund. She’s been meaning to knock down a lingering €900...

CheesyGoulash
Aug 2915 min read


Mental Accounting Studio – Tool for the Deep Dive Series
In the Deep Dive Series: Behavioral Money , we explore the psychology behind financial behavior. The blog on Mental Accounting this...

CheesyGoulash
Aug 272 min read


Week 1: The pain of losing - Prospect Theory & Loss Aversion (Deep dive)
Why losses hurt more than gains—and how to design smarter money habits. 🔎 Content Overview Introduction: The Pain of Losing Historical...

CheesyGoulash
Aug 2216 min read


Welcome to Our 10‑Week Deep Dive Series: Behavioral Money
Behavioral Money Deep Dive Series Over the next ten weeks, we’ll explore the hidden forces that silently guide your financial...

CheesyGoulash
Aug 202 min read


Debt vs. Saving for Assets: The Psychology and Strategy Behind the Choice
Imagine this: you spot the perfect investment — a property, a business opportunity, or even just your dream car. The catch? You don’t...

CheesyGoulash
Aug 176 min read


How does your asset allocation impact your returns – and your path to Barista FIRE?
When we started investing in 2019, we had one major problem: we knew nothing about investing or asset allocation. We simply bought...

CheesyGoulash
Aug 154 min read


Barista FIRE: 10 Behavioral Hacks for Sustainable Early Retirement
“Even after years of careful planning, I still reach for small pleasures—knowing they barely satisfy—while my future self waits. Sticking...

J+A
Aug 117 min read


Our experience cooling with a Hybrid Heatpump: Does it actually work?
In de zoektocht naar een duurzamere en comfortabelere woning kiezen steeds meer mensen voor een hybride warmtepomp . Deze systemen bieden...

J+A
Aug 75 min read


Our experience with electric charging on holiday after 80,000 km
Lately, more and more articles have been appearing about the so-called “hidden costs” of electric cars on vacation. It all began with...

J+A
Aug 25 min read


What is Barista FIRE?
✨ Quick Summary Barista FIRE is a Financial Independence strategy that lets you semi-retire early by combining passive income with...

J+A
Jul 303 min read


Our Barista FIRE Plan: Financially free at 50
Financial freedom is something we’ve dreamed about for years. Our desire to live in Hungary (my wife’s birthplace) is growing stronger,...

J+A
Jul 295 min read


What performed better? My Pension fund vs S&P500?
📊 A data-driven answer starting from 2019 Until recently, a Dutch pension was largely taken care of for you: your employer set up a plan...

J+A
Jul 294 min read


Renting vs Buying in 2025? Calculate Which Builds More Wealth
💬 “Paying €1,950 in rent every month feels like burning money. But buying? I have no idea if I’d actually be better off in the long...

J+A
Jul 283 min read


🔥 How Soon Could You Retire? Our New 2025 FIRE Calculator Shows You
Do you actually need €1 million to retire early? We crunched the numbers using three real Dutch households—and the answer might surprise...

J+A
Jul 254 min read


Reviewing Four P2P Lending Platforms: Our Personal Experience
More and more people are discovering Peer-to-Peer (P2P) lending as an alternative way to grow their money. There are many options for...

J+A
Jul 156 min read


March 2025: A Busy and Sunny Month with Valuable Lessons
March has been a busy and sunny month with many trips and great learning moments. Our goal for March was to be much more mindful of our...

J+A
Apr 24 min read


Monthly Update February 2025: Our Personal Barista Fire Journey Update
Cooking Goulash outside again! Monthly Update February February was finally a fairly sunny month, which we definitely missed in the last...

J+A
Mar 22 min read


Buying Property in Hungary as a Foreigner
We understand the challenges of buying property abroad. If you're considering investing in real estate in Hungary, this comprehensive guide.

J+A
Feb 287 min read


Hybrid Heat pump Review: Experiences of two winters
In the summer of 2023, we switched to a heat pump with the goal of reducing our energy bill. After two winters using the heat pump from...

J+A
Feb 245 min read
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