Financial Independence Europe Podcast

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 started with investing personal stories.Thanks to our episode sponsor Evoestate https://financial-independence.eu/Evoestate

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 sure you will get new ideas how to live a minimalist life, learn about Kels story, save money and workaround the downsides that come up when focusing on cutting expenses.We talk about:Spending less for 1 year retroperspectivebetter savings numbers with proper budgetingdeptfree subcultureBuying quality for less moneyMake up without buying makeupSaving money on cars with electric carsWhat happens when you can’t pay your mortgageFinancial Independence after recession in IrelandThanks to our episode sponsor Evoestate https://fin

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 bubbleThe FI mindsetLife after FIThe role of FIRE eventsFIWE 2020 retreatsDating apps

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 examsBeing qualified as a tutorThe role of parentsFeedback on websitesResources to teach onlineSoft skills

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 pokerTax HavensTax residencies in EuropeCyrillic alphabetAdvice for moving to SofiaCryptocurrency

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 educationMaking a 1-year break look good in a CVMental energyAdvice for a sabbatical

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 NGOsCost of living in ZambiaThe FI community as an aid for expatsInvesting in the developing worldGetting relatives involved in FITaking a year off 

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 dealCredit scoreRenting in Germany and PortugalAirbnb rentingReturns in European countriesWhere to invest

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 categorizationPlanningCross-country account managementRelations with banksData usageIdentifying blind spots

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 taxesAndorra’s tax regimeOffshore trustsBenefits of a multilingual societyTax regimes across EuropeTypes of residence in Andorra

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 diversityMalay fiscal statusFinancial education in MalaysiaThe utility of reddit’s communitiesPersonality quizzes and personal financeSaving/spending balance

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 rewardsEmotional factorsTaxes and benefitsMarket volatility

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 thought, and a nice bonus as well: if you choose to try Evoestate after listening to this episode you can get a 15€ bonus after your first investment. Interested? Head over to https://financial-independence.eu/evoestate!We also talk about:geographical restrictionsImportance of evaluating the collateralHow Evostate makes life easier for investorsWhy you should trust them and how they are making their moneyPlatform economy within P2P investing spaceGustas entrepreneurial background starting at the age of 12

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 strategiesTravelingAccumulation speedMatched betting and gamblingTaxes and legalityBookmakers reactions

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 FranceLiving in ParisFat and Lean FIREThe “micro-entrepreneur” tax regime

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 inspiration if you are not. So sit back, relax and enjoy!We also talk about:Bond and stock market sharesReal estatePEA, AV and othersETFsStock market returnsFinancial education

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 schemesRed flags to checkEvaluating p2p lending companiesTransferwise

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 businessDealing with landlords and authoritiesRemote companiesRemote work in Germany… and in ThailandRisks of turning passions into business

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:NegotiatingBeing a ‘real estate person’’Love-related’ costsFixing stuff

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 numbersThe Facebook groupCollaboratorsCommunity EpisodesSponsorsRetreats