Hello! Today Alvar interviews Swiss guy about how to invest in Europe in 2020. This interview is all about how to get started with investing, what to do and what not. We cover which criteria to use when deciding which brokerage to use, how to assess if an ETF is the right one for you and much more. Enjoy! We also talk about: • Why and how do you invest • How do you pick a broker and based on what criteria? • What kind of ETFs to buy. • How to invest while moving between EU-countries • How we sta...
Feb 17, 2020•39 min•Ep. 99
Mathias interviews Kel aka Mrsmoneyhq! She is a mum with two kids from Ireland. We discuss about the very basics of Financial Independence: being smart with your expense while not compromising with the quality of goods you use everyday. It’s important to think and rethink your spending behaviour from time to time to improve your daily habits. Because: Money that’s not spend doesn’t need to be earned and can be deployed in your investment accounts to work for you and your family's future. I’m sur...
Feb 10, 2020•51 min•Ep. 98
Hello! Today Alvar and Araminta interview Emma, and talk with her about the current state of the FI movement in Europe: they share their personal stories, information for meeting other like-minded people in Europe and much more. Enjoy! We also talk about: Stock markets and the Dot Com bubble The FI mindset Life after FI The role of FIRE events FIWE 2020 retreats Dating apps 🤓 Full shownotes and mentioned links on our website: http://bit.ly/fieurope086 📰 Join our Newsletter: http://eepurl.com/d...
Feb 03, 2020•42 min•Ep. 97
Hello! In today’s episode Araminta talks with Jonas, a student from Lithuania who is making a full time income as a tutor while studying in Edinburgh. In this chat we learn more about a very interesting side hustle and how this has grown into a full fledged income source with lots of room to expand. Enjoy! We also talk about: Taking exams Being qualified as a tutor The role of parents Feedback on websites Resources to teach online Soft skills 🤓 Full shownotes and mentioned links on our website:...
Jan 28, 2020•44 min•Ep. 96
Hello everyone! Today Araminta talks with Paul, a German who is living in Sofia, Bulgaria. He used to be a professional poker player and he talks with us about his very interesting journey and why and how he moved there. Enjoy! We also talk about: Online poker Tax Havens Tax residencies in Europe Cyrillic alphabet Advice for moving to Sofia Cryptocurrency 🤓 Full shownotes and mentioned links on our website: http://bit.ly/fieurope084 📰 Join our Newsletter: http://eepurl.com/dq6imD (no BS guaran...
Jan 21, 2020•33 min•Ep. 95
Hello! In this Friday episode we listen to the second part of our chat with Paul from Cutting Through Chaos. We follow him explaining the next move in his life trajectory from Zambia to Spain, and how it has influenced his lifestyle and FI situation. Enjoy! We also talk about: Montessori education Making a 1-year break look good in a CV Mental energy Advice for a sabbatical 🤓 Full shownotes and mentioned links on our website: http://bit.ly/fieuropeCF011 📰 Join our Newsletter: http://eepurl.com...
Jan 16, 2020•27 min•Ep. 94
Hello FI people! Today Alvar will talk with Paul from Cutting Through Chaos, a blog about family and finance: so many topics have been discussed that there will be two episodes. In this first part Paul tells how he went from a corporate job in Scotland to moving with his family to Africa, how the FI community helped him and much more. Enjoy! We also talk about: Working with NGOs Cost of living in Zambia The FI community as an aid for expats Investing in the developing world Getting relatives inv...
Jan 15, 2020•41 min•Ep. 93
Hello everyone! Today Mathias talks with Ines about how to calculate if a property is worth buying: Ines has been our guest before and in this episode she shares with us her knowledge and first-hand experience of the real estate market, so whether or not you are planning to invest in real estate property you may find her insights very useful. Enjoy! We also talk about: Evaluating a deal Credit score Renting in Germany and Portugal Airbnb renting Returns in European countries Where to invest 🤓 F...
Jan 06, 2020•29 min•Ep. 92
Hello! Today Alvar talks with Steve, CEO at Money Dashboard, an app that has simplifying personal finance management as its goal: he shares with us insights on how to use this type of apps in an effective way and how it can help people on their way to financial independence. Enjoy! We also talk about: Transactions categorization Planning Cross-country account management Relations with banks Data usage Identifying blind spots 🤓 Full shownotes and mentioned links on our website: http://bit.ly/fie...
Jan 01, 2020•39 min•Ep. 91
Welcome back! Today we interview Araminta’s father, Jock, and talk with him about his decision to move to Andorra to avoid paying taxes in his home country. He talks about the many reasons why he chose Andorra and how all the process developed, giving valuable insights throughout. Enjoy! We also talk about: Inheritance taxes Andorra’s tax regime Offshore trusts Benefits of a multilingual society Tax regimes across Europe Types of residence in Andorra 🤓 Full shownotes and mentioned links on our ...
Dec 23, 2019•38 min•Ep. 90
Hello FI Europeans! Today we talk with Suraya from the Malaysian personal finance blog Ringgit Oh Ringgit: in her blog she analyses many aspects of personal finance management and life in general in Malaysia, and with her we talk about the personal finance scene, how she became a writer and her aspirations for the future. Enjoy! We also talk about: Malaysia’s ethnic diversity Malay fiscal status Financial education in Malaysia The utility of reddit’s communities Personality quizzes and personal ...
Dec 17, 2019•44 min•Ep. 89
Hello! In this episode Alvar and Tom talk about company benefits, what can you get and how they perform in comparison with other assets: we will learn about the different types of benefit a company can distribute and how to use them to our advantage. Enjoy! We also talk about: Risks and rewards Emotional factors Taxes and benefits Market volatility 🤓 Full shownotes and mentioned links on our website: http://bit.ly/fieuropeCF010 📰 Join our Newsletter: http://eepurl.com/dq6imD (no BS guarantee) ...
Dec 12, 2019•22 min•Ep. 88
Hello FI Europeans! Today Mathias interview Gustas Germanavičius, an entrepreneur from Lituania. He is the CEO of Evoestate, a P2P lending aggregator - think of it as the Mintos of real estate. With Evoestate right now you can diversify across projects of 18 other deal providers like Bulkestate, Brickstarter, Crowdestor, Bergfürst. It all starts with an investment amount of just 50 euros, and you can not only invest in loans but also rental property and buy real equity shares. Lots of food for t...
Dec 09, 2019•1 hr 1 min•Ep. 87
Today Alvar interviews Tom from the UK: along with some personal views on FI and personal finance he will share some insights on his current side hustle, matched betting. We will dive into the mechanisms of this form of investment, how it can be effective and what pitfalls to avoid. Enjoy! We also talk about: Investing strategies Traveling Accumulation speed Matched betting and gambling Taxes and legality Bookmakers reactions 🤓 Full shownotes and mentioned links on our website: http://bit.ly/fi...
Dec 04, 2019•21 min•Ep. 86
Hello! Today we will listen to the second part of the talk between Alvar and two French Fiers, Victor and Maxime. While the first part has been very technical, in this second tranche we hear more about the personal life and approach to financial independence of our two guests, with several useful insights along the way. Enjoy! We also talk about: Salaries in France Living in Paris Fat and Lean FIRE The “micro-entrepreneur” tax regime 🤓 Full shownotes and mentioned links on our website: http://b...
Nov 28, 2019•26 min•Ep. 85
Hello good people of Europe! In today's episode Alvar talks with Maxime and Victor from France. They are both part of the French FI community, and together we're going to dive into the nitty gritty details of how you can get to financial independence in France and how to do that in the best way. We're covering a few actually pretty unique pension products, which you've never seen before in Europe and are unique to France. Hopefully this will be of value if you are living in France or of inspirat...
Nov 26, 2019•41 min•Ep. 84
Welcome to another Community episode! Today we talk about something a little bit negative, but the purpose is to try to let people know that we make mistakes and when it comes to investing that's partly okay as long as we learn from it. Alvar and Michael will remember some of the worst financial mistakes and what they learned from them. Enjoy! We also talk about: Ponzi and MLM schemes Red flags to check Evaluating p2p lending companies Transferwise 🤓 Full shownotes and mentioned links on our we...
Nov 22, 2019•23 min•Ep. 83
Hello! Today Mathias interviews Bastian Barami, a German living a nomad lifestyle. After getting bored with his office work, in 2015 he started an amazon FBA business and switched to Airbnb later on. Today we learn about his story, the steps you need to take to run a successful Airbnb business and the advantages of Airbnb compared to amazon FBA. Enjoy this inspiring story! We also talk about: Running a profitable airnb arbitrage business Dealing with landlords and authorities Remote companies Re...
Nov 19, 2019•1 hr 2 min•Ep. 82
Hello and welcome to another episode of the Financial Independence Europe Podcast! Today Mathias, Michael and Ines have a chat about real estate, discussing if you should buy or rent the property you're living in. Lots of food for thought about the costs and benefits associated with buying and renting real estate properties. Enjoy! We also talk about: Negotiating Being a ‘real estate person’ ’Love-related’ costs Fixing stuff 🤓 Full shownotes and mentioned links on our website: http://bit.ly/fie...
Nov 15, 2019•17 min•Ep. 81
Hello everyone! In this episodes all three co-hosts of the FI-Europe podcast, Alvar, Mathias and Araminta discuss their savings rates and ROI for the current year, and compare it to what they planned in episode 29. They will also reflect on how the concept of financial independence has evolved for them, and also take a look at how is the podcast doing, its achievements and plans for the future. Enjoy! We also talk about: The FIE podcast numbers The Facebook group Collaborators Community Episodes...
Nov 12, 2019•43 min•Ep. 80
Hello everybody, welcome back to another podcast! Today we're going to dive into the world of backtesting with our guest Yoran. He recently built a free tool for backtesting portfolios for European investors, and we’ll talk with him about many aspects of this topic. Enjoy! We also talk about: Simplicity of portfolios Copying investment strategies Sharpe Ratio Data sources 🤓 Full shownotes and mentioned links on our website: http://bit.ly/fieuropeCF06 📰 Join our Newsletter: http://eepurl.com/dq...
Nov 08, 2019•31 min•Ep. 79
Hello! In today's episode Alvar will talk with the ‘Poor Swiss’ from the Poor Swiss blog, who recently has published an article in which he re-read the Trinity Study with a few twists in order to use it all the way up to 2018 instead of 1995. Also, he looked at if the four percent safe withdrawal rate is still holding up for 50 years instead of the 32 Trinity Study is using, as in general retirement can now last longer and it would be extremely nice if our money can keep up for this period as we...
Nov 05, 2019•33 min•Ep. 78
Welcome to another Community episode! Today Alvar, Mathias and Michael talk about investing in yourself and developing new skills, and how it can compound over time making for a valuable asset just like any other investment. Enjoy! We also talk about: Learning from the right people When to start investing The Gallup StrengthFinder test Lifelong learning 🤓 Full shownotes and mentioned links on our website: http://bit.ly/fieuropeCF05 📰 Join our Newsletter: http://eepurl.com/dq6imD (no BS guarant...
Nov 01, 2019•22 min•Ep. 77
Hello FI people! Today we talk about a method that will help you to remove money as a source of stress from your relationships with friends, coworkers, family and your spouse. We all lie several times each day to avoid conflicts, in order to not hurt somebody, avoid shame, judgement and try to manage other peoples feelings without even being asked. Tuulia is one of the first certified radical honesty coaches and is leading workshops across Europe with her partner Pete from Amsterdam. Do you want...
Oct 29, 2019•47 min•Ep. 76
Welcome to another Community episode! Today Alvar and Mathias talk with Michael about the different options to reach FI as an employee VS being self employed. Enjoy! We also talk about: 9 to 5 mentality Support for the unemployed Life/work balance Side hustles as a fulfilment 🤓 Full shownotes and mentioned links on our website: http://bit.ly/fieuropeCF04 📰 Join our Newsletter: http://eepurl.com/dq6imD (no BS guarantee) 👍 Follow us on Facebook and drop us a message: http://bit.ly/fieuropefb 👍...
Oct 24, 2019•20 min•Ep. 75
Hey FI Europeans! In this episode, Mathias interviews Christoph Heuerman : he is a self-described Perpetual Traveller, has visited 160 countries worldwide and keeps travelling. Besides travelling he is also an investor and expert on international tax and flag theory. His knowledge of tax systems and offshore countries led him to discover that there are options to live a fulfilling and active life while minimizing taxes. Christoph studied Administrative Sciences at the University of Konstanz in G...
Oct 21, 2019•33 min•Ep. 74
Hello from FI Europe for another Community Friday. Today Mathias talks with a member of our community, his name is Tobias and he calls itself a lazy investor. He's an Austrian who lived in Germany and now lives in Switzerland, so we talk about how he works towards FI in these high costs countries and how the pension systems works there. We also talk about his favourite investment strategies. Enjoy! We also talk about: The value of Masters Digital accelerators Tax regimes Life hacks in Switzerlan...
Oct 18, 2019•36 min•Ep. 73
Hello everyone! This week Araminta is back with an interview she did for Jonathan in his podcast, where she talks about her current life in Malaysia, some personal finance tips for people in their 20s and her theories about career testing. Enjoy! We also talk about: Budgeting Career capital Transferable skills Career adaptation Online side income The FIE Podcast! 🤓 Full shownotes and mentioned links on our website: http://bit.ly/fieurope070 📰 Join our Newsletter: http://eepurl.com/dq6imD (no B...
Oct 15, 2019•33 min•Ep. 72
Hello and welcome FI Europeans! We do another Community Friday episode and the topic for today is how to prepare for recession. People are expecting a recession since 2015 so it's always good to check. Are you prepared? What is a recession? How does it come from and how to spot it may be also before? These are some of the questions we will try to address today. Enjoy! We also talk about: Definition of recession Hedging Economic cycles Timing the market Recession-proof portfolio Investing in your...
Oct 11, 2019•21 min•Ep. 71
Welcome to another episode of the FI Europe podcast! Today we dive deep into very interesting topics like geoarbitrage, moving to the US and getting a high income salary and then potentially moving back to Europe: we’ll discuss all that and everything in between with Mr. and Mrs. NomadNumbers, sit back and have fun! We also talk about: The Simple Path To Wealth Investing between US and Europe Vanguard ETF A typical day as a FI nomad US travel hacking US tax benefits 🤓 Full shownotes and mention...
Oct 07, 2019•38 min•Ep. 70
