Financial Independence Europe Podcast

Hey FI Europeans,this is Mathias. Today Alvar and me are sharing ideas on FinTech. We explain what it is and review how it changed our lives in different areas- We also share how we came across it and talk about the apps and services we use. You can also find out about them in the show notes if you’re curious. We would also like to hear what services you use in your country on our Facebook Group. Also, check out the video Alvar did on Fintech during a number of years ago.

In this episode Alvar interviews Nupin from the Fi club on building your FI mindset! The whole purpose of this interview is putting things into perspective and discussing the mental framework need to get to Fi. We discuss the current market situation and what it can mean. As Nupin says  " your FI Journey is not a sprint but a marathon, we need to make sure that we have the right mental attitude" We also talk aboutNupins approach to FICurrent economical situationHow to stay focused on life and FI and not get distracted by all the news.Meditation apps

Mathias had Tim already in the podcast in episode 90. This time we focus on flag theory. We explain again just briefly the concept of flag theory as we already touched the topic in episode 71 with Christoph from Staatenlos. It’s basically  about how to choose the country for your residence, business, bank accounts and so on so that you optimize your tax spendings and lifestyle. Tim will provide us with real world examples as he lived in 4+ countries and we focus on how you can apply the theory within europe and give you some ideas where to start your flag theory journey.Let us know what ideas you have on the topic in our facebook group. Please be aware that the episode topic might be controvers in some aspects and there are different moral judgements possible. The episodes information are just for informational purpose to give you an idea on what's possible and this is no advise. You have to decide how you want to implement your strategy based on your ethical principles and make a conscious decision what coun

In this episode, Araminta interviews Becky, a single parent living and working in Denmark. They chat about how Becky is reaching FI as a single parent, how she currently manages her finances and the actions she’s taking to financially educate her children. We also talk about:How reaching FI as a single parent is differentHow she currently manages her financesHer FI goalsHow she’s saving for her children’s futureAdvice to other single parents

In today’s episode Araminta interviews Geordie, a lifestyle business entrepreneur who manages several SaaS companies with a remote-based team.We also chat about:What a lifestyle business isWhether a lifestyle business really is for everyoneHow Geordie started building SaaS solutionsHow to manage a virtual team

In this episode Alvar Interviews Mário on the nitty-gritty off ETF investing in Europe, we dive into the details on what information to look out for, how to review ETFs and how to access what is right for your situation. Mário also explains how to make financial choices in life and how to learn more about investing.In this episode we discuss:ETF investingHow to learn more about investingHow to make financial choicesTaxation in several European countries and how to utilize these systems

In this Episode Alvar interviews Patrick from London, who managed to raise his income from 18K to 140K within 5 years and runs a business educating footballers on finances. Patrick, when through, is his own unique Fi journey and when asked "What is the one thing you would not give up from the times where you spending was huge" he replies with business class flying, listens to the show to find out more.We also talk aboutPatricks investment journeyTravel hackingStrategies to raise your income

In this episode Araminta chats with Jules, an SEO consultant based in London. They talk about how to make the most of your travels, how to build a sustainable work and travel lifestyle and how she uses her blog to make the most of her exploring. We also chat about:The importance of travellingHow to build a sustainable work and travel lifestyleHer own personal travel blogHow she got started as a freelance SEO consultantFinancial independence and going freelance

In Episode 100 - What’s my age again Alvar, Araminta & Matthias are discussing the state of the podcast and as a special topic dive into ethical investing. State of the PodcastCanceling FI RetreatWhat’s happening in the last 5 monthsWhat’s next for the podcast?Ethical investing, donating, and how this all related to FI.

Nessa is a young creator (28) on Youtube. She started with a gaming channel and expanded that hobby to her personal channel where she follows her obsession with tiny housing and living a frugal conscious lifestyle. We’ll learn a lot on how it feels like living in tiny house and running and how you could approach building a tiny house if you want to. So enjoy the show!We talk aboutTiny House building processHow to set up the interiorimpact on living costsHow much Nessa makes on youtubeHer freelance and side gigsHow she manages and monetizes her audience

This episode is a case study with Antonello Schiavo who is 30 years old living in Poland. He is originally from Italy and moved to Poland to work there at Google. In this episode we talk about his path from saving nothing for several year until he finally kept 15k in 2019. We also talk about his retirement plans, airbnb and real estate in Poland and much more.We talk aboutMoving from Italy to Poland for workCost of living in PolandAirbnb and Real Estate in PolandShift aways from Lifestyle InflationHis Investment Style with ETFs and Retirement PlansFinancial Independence in Poland

In today’s episode Araminta interviews Martin, a coffee enthusiast who’s managed to literally turn “coffee into cash” thanks to Airbnb Experiences. We dive into the details of how to set up your first Airbnb Experience as a side hustle, how much money you can make and the current opportunities online.We also chat about:What are Airbnb ExperiencesThe steps to get startedHow to offer the best experiences possibleHis story delivering coffee toursDoing Airbnb Experiences online

Alvar and Mathias chat about opportunities we see in focusing other areas of life that we normally don’t pay to much attention to due to lack of time or priority. So think about health, habits, routines, relationships, business, minimalism and personal development. These are the fundamentals that help us performing better in our profession when lockdowns in Europe and beyond are over and we are finally free ranging humans again.We talk aboutstrategic changemorning routinesnew habits for a new identityuseful appsSelfcaremininmalizing your environmentbusiness opportunities

In today’s episode Alvar and Mathias are discussing the opportunities the current situation is offering. We are mainly digging into stock market investing and the real estate market. We discuss the market in general and approach it from a personal angel at the same time.We also talk aboutGreat opportunity if you are in your accumulation phaseDon’t FOMO - lots of opportunities in stock investingWhat are Alvar/Matthias doing personallyThe entire house market is on lockdown, nothing is being offered or boughtNot clear if prices will go down or up after lockdown endMany Airbnb properties now are back on the normal rental market.

In today’s episode Araminta interviews Katie Stoddart, a friend of mine who works as a life coach. We talk about what time management is, how to work towards a balanced life and how this integrates with financial management. We also chat about:Which comes first: time management or money management?How to establish prioritiesTime management and overall healthPersonal examples and tips

Today Mathias interviews Martins Liberts - the co-founder of Debitum Network, a P2P lending platform focused on loans for small and medium-sized businesses. We talk about:background of Martins and the teamscoring mechanismstechnical implementation of the platformthe business model of loan originatorshow p2p media coverage will evolveknowing when to step back as a foundernew CEO Sergei Demchuk

Araminta and Mathias do a quick check-in on how life changed after the lockdown in Europe. We talk about economical outlook and how to adapt with the situation right now. We talk aboutLife right nowDealing with panicHome Office lifeWhy 2 income streams are not enoughHow to contribute to your communities

Today Alvar and Mathias talk about about the situation in the markets, how you could deal with it and what we could do in times of corona

Mathias interviews Tim Lai who was raised in the UK, worked in the Netherlands and is currently living in Porto in Portugal. Tim has a pretty interesting story to tell how he escaped from his 9to5 and how he build two businesses on the side that generated enough money for him to sustain his life.  In this episode we talk about how to automate your day job, scaling a side hustle and what he is currently doing in Portugal. Along the way you’ll find a lot of wisdom from a mind that celebrates logical reasoning and independent thinking.We talk aboutliving the 9to5 lifeKnowing when to quitTaxation of salaries and contracted workautomating your day jobwhere to place yourself in your business

Hello! Today Alvar is being interviewed by Michael from the Irish FIRE Podcast. The episode is focussing on to get to FI as an employee in Europe. Alvar is 27 years old, working in IT and currently living in Scotland. He talks about how he is saving £1500 pounds per month, travel hacks and on how important side projects are for him and for the FI journey. Enjoy!We talk about:• How Alvar is saving £1500 pounds per month• How to get to FI with a normal job• Travel hacks• His  various side hustles• How to work together with your partner on the pad to FI