"Cheesy Goulash:
Our Tasty Path to Barista FIRE" 

Why losses hurt more than gains—and how to design smarter money habits. 🔎 Content Overview Introduction: The Pain of Losing Historical...

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

💬 “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 run.” — Sanne (32), from The Hague. In the Netherlands, the housing discussion often centers around monthly costs, mortgage interest, or house prices. But the real question is: “What builds more long-term wealth — renting or buying?” That’s what it’s really about, especially if you'd like to retire early . Whether you rent or buy, you’re spendi

Discover why choosing loans over saving can offer psychological benefits.