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Personal Post

Corona forced us to learn from our money habits.

The Corona crisis has upended our lives, suddenly a trip to the grocery store is the biggest outing of my week. Everyone’s facebook and instagram timelines are more like #latergram and no projections of great lives. Instead its all about survival, and waiting it out. The crisis has also led us to evaluating our money […]

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Financial Planning Personal Rant

When you fail to reach savings goals – Survival checklist!

I have a confession to make in this post. In the months of November and December, I failed to reach savings goals. I saved nothing in November and saved half of what I wanted to in December. Es ist mein schuld! It is my fault (schuld is also used as the German word for debt!) […]

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Financial Planning

Lessons from actual monthly budgets in Germany

This November, the Reddit Finanzen group had an explosion of budget threads. Many users shared then own actual monthly budgets in Germany and then there were shitposts… As Budgeting is an important step towards financial independence, it just made sense to write this post. Even since I moved to Germany from India, I have noticed […]

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Personal Post

Achtung! We can still fail to achieve Financial Independence

Let me state out this in the first sentence, “I am not an expert on this topic, I am fiddling around and will help you figure what I already know. I am not even 7% of my FI Target and I can still fail to achieve financial independence” But, I am confident that I will […]

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Rant

Side Hustles are hard!

“Get yourself passive income, add to your monthly income stream to reach FI fast, I am doing it, and so can you.” Did you ever notice that far too many blogs and Youtube channels have these list articles, and explain how easy it is to side hustle. A typical post picks some Side Hustle statistics […]

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Financial Planning Personal Post

Financial Independence is worthwhile for me, you and everybody. Period.

Have you come across internet posts which label the FIRE movement as a cult, or how meaningless life will be if you retire at 40, or how FIRE is all about those people who hate their jobs? My answer to them all is Nein, Nein Nein! Financial Independence (sans retirement) is a worthwhile pursuit meant […]

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Financial Planning Post

Maserati dreams for Financial Independence dreamers?

Fridays are usually more relaxed than most days, and I often take my toddler to his day care (KiTA), we take a public transport street tram to a stop 12 minutes away, and then depending on his mood and weather, its either a stroller or his laufrad (walking bike) for the last 6-8 minutes. Last […]

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Financial Planning Index Funds and Stocks

Will the next recession be the end of Financial Independence movement?

I had reserved my second blog post for sharing more about me and where am I starting from in my Financial Independence journey. However, an event much more important has occurred which may impact almost everyone planning for their FI. Last week on Friday, the long term interest rates on US Bonds fell lower than […]