The Past & The Future – The Beginning of a New Year

andrea-reiman-448453

With the holidays behind us, our lives slowly return to our regular daily routines. Some of you might have had some time off while others were working in quiet offices. Nonetheless, it’s always a different vibe around Christmas and New Years.

Our habit to reflect on the past and make plans for the future around new years might be a whole lot older than we think.

The month of January is named after the Roman god Janus. He had two faces – one looking to the future and one to the past at the same time – is one of the oldest god known to man and one of the most famous one as well, back in the day. Many referred to him as the god of beginnings, the light, movement, transitions, change, or the passing of time. His resemblance was used to portray doors, entrances, banners and of course: money.

In essence, he became a symbol of the progress from past to future.

And as we enter January goals and resolutions are being set for a new year. That what we have learned from our reflection is turned into plans to make it an even better year to come. It’s an old habit we can’t get rid off, apparently. 

Continue reading

Monthly Dividend and Real Estate Update – December 2017

aaron-burden-191067

The motivation that drives us to financial independence is the will to create a different life for ourselves. Different from the status quo, and one where we are in better control of how and on what we spend our time. To pursue total freedom and independence of somebody you have to work for in order to get money. And one of the most important question for many FIRE seekers is: what are you going to do post-FIRE? Since that is where you’ll path will lead you. 

This question has kept me busy for a while, and so far the best answer I got is: doing more of whatever we want to. It could literally be anything, as long as it is of value to us. Not very concrete, but then again we would just do more of the things we love and less of the things we don’t.


“The secret of change is to focus all of your energy, not on fighting the old,
but on building the new”

– Socrates 


Continue reading

Hooked on Podcasts – My Personal Favorites For 2018

Best Podcasts of 2017

Photo by Malte Wingen on Unsplash

I’m hooked. I always thought podcasts were fun to listen to and hid a world of information. And it is!

I started listening to podcasts around 9 months ago but got into speed dial when I got a longer commute since the past month or so. The best thing about podcasts, besides that you can listen to it anywhere and everywhere, is that it’s both entertaining and could provide some amazing insights.

Continue reading

Becoming A Thirty-Something

eric-ward-355175.jpg

Most of the times we celebrate things, it’s about major milestones. Like a 30th birthday, or maybe a new job, getting married or reaching 100k of portfolio worth. On the other side, we never forget the major downfalls either, like the 1987 market crash, breaking up with someone or getting fired.

The crash of 1987 was the latest real depression so you could say. It also happened to be my birth year. As you can guess, today is my 30th birthday. And turning 30 is what many calls, the point of no return. You’re officially a responsible adult (or you should be) and you’re officially old. When you’re are actually 30 (or past it) you probably know it’s not that black and white. And instead of celebrating it big, I do something different.

Continue reading

Finally, Dutch Personal Finance Apps Are Coming

rodion-kutsaev-184298.jpg

Photo byRodion Kutsaev

There are numerous tools and apps that help you get insight into your finances, help you with investing or even in saving more money. The only downside is that most of them, like Capital One, Acorns, and Mint are only directed to the US markets. It looks like most financial innovations are happening overseas, at least for the convenience of the regular consumer. 

We are a country that makes a lot of use of online banking (namely 83% of the Dutch population), have several companies that are disrupting the markets – Bunq, MoneYou, Knab, one new investing app called Bux, but limited availability of financial apps and digital services as it comes to our personal finances. How could this be in a country where digital innovation is so highly regarded? And where FinTech is a booming business? 

Continue reading

Monthly Update November 2017 – The Portfolio & Big Life Changes

Wintertime.jpg

With the Christmas carols already jingling from the radio stations, and the cold freezing your fingers in the morning. You know the end of the year is very close.

With only one month to go, we will mark this year in many different ways. The biggest one – investment wise – has been our sell-off of the stock portfolio. We’ve changed our vision and strategy on investing completely, and therefore made some choices that will have a big impact on our lives moving forward. Instead of turning our savings towards dividend investing, we are now committed to real estate investing.

Continue reading

From Dividend Investor to Real Estate Mogul

tree.jpg

We’ve been growing, nurturing and analyzing our dividend stock portfolio since 2014. And the results have far than exceeded the expectations we had at the start of this journey a little over 3 years ago. But to all good things has to come to an end sooner or later. And in this case, it’s definitely sooner. Our dividend stocks are no more. We’ve sold the whole bunch 3 days ago. I want to give all of you an update on what exactly happened, but even more than that. Our whole vision and strategy of investing, FIRE and life have been transformed at such a fast pace, now would be the best time to present our new plans.

Continue reading

Cutting the cord

cutting the cord

Do you know those moments? Where you sit on the couch, maybe a blanket and some hot tea with you, and your eyes staring thoughtlessly at the screen in front of you. Enjoying the battles of Game of Thrones, enjoying a romantic love story or stay updated on the daily news.

But what to do if that subscription keeps costing you more and more every year. And those nights of sitting on the coach are happening less and less? Well, we did nothing for a very, very long time. But as of this week, we have officially ended our television subscription. 

Additionally, we have found two other household topics on which we could save money on. In the journey of financial independence, there is a whole spectrum on how to deal with saving and generating income. In previous posts, I’ve often mentioned that, for us, income generating assets are more important than cost reductions, due to the bigger impact. However, that doesn’t mean we don’t care what we spend our precious money!

Continue reading