Imagine this: you spot the perfect investment — a property, a business opportunity, or even just your dream car. The catch? You don’t have enough saved. Do you wait until your savings catch up, or do you borrow and seize the chance before it slips away? This age-old dilemma divides personal finance experts. Dave Ramsey preaches debt-free living, while Robert Kiyosaki champions leverage. The real answer to Debt vs Saving? It depends not just on the math, but on psychology, str

When we started investing in 2019, we had one major problem: we knew nothing about investing or asset allocation. We simply bought...

“Even after years of careful planning, I still reach for small pleasures—knowing they barely satisfy—while my future self waits. Sticking...

✨ Quick Summary Barista FIRE is a flexible approach within the broader FIRE movement that allows you to reach early retirement  without completely quitting work. Instead of waiting until your investments can cover 100% of your annual expenses, you aim to cover most  of them and earn the rest through part-time, flexible, or low-stress work. This strategy offers a balanced lifestyle , more time freedom, and reduced pressure compared to both traditional retirement and full FIRE

Financial freedom is something we’ve dreamed about for years. Our desire to live in Hungary (my wife’s birthplace) is growing stronger,...

Do you actually need €1 million to retire early? We crunched the numbers using three real Dutch households—and the answer might surprise...

Passive income is one of the most effective ways to achieve financial independence . In simple terms, passive income is money you earn on a recurring basis with limited ongoing effort once the system is set up. For us, passive income is not about shortcuts or “getting rich fast,” but about building reliable cash flow  that supports our long-term goal: financial freedom. This approach is deeply connected to the FIRE movement (Financial Independence, Retire Early) , which focus

"What if you could quit your stressful job, never worry about bills again, and still afford weekend getaways or your dream campervan? That’s the promise of Barista FIRE." If you've been exploring financial independence, you've probably come across Barista FIRE —a lifestyle that blends the freedom of early retirement with the flexibility of part-time work. Unlike traditional FIRE (Financial Independence, Retire Early), where you completely stop working, Barista FIRE allows you

Discover why choosing loans over saving can offer psychological benefits.