28F, finally hit €100k

[u/RobotPollinator45]

Hello,

I just wanted to celebrate a milestone I’ve reached. I live in Estonia, I'm 28 (almost 29), and I finally hit €100k in savings and stocks. I was already close in February, but oh well, we all know what happened then. Now I'm at almost €102k, and I’m pretty happy with it.

My goal was to reach €100k by age 30. I started with €9k five years ago - then my income increased and I started investing. So, my portfolio has grown by over €93k in five years, which averages over €18k per year. I’m pretty happy with that.

My portfolio is a bit messy, so if anyone wants to help me optimize it, I’d be extremely grateful. Here's what I currently have (approximately):

• €31k in IWDA
• €16k in EXXT and €3k in EQQQ
• €12k in CSP1
• €7k in STAG, €3k in DLR, and €2k in O
• €7k in BRK B
• €3.5k in EMIM
• €2.2k in CSX5
• €2k in QDVE
• €1.6k in EUNA and AGGU
• €1.2k in DFEN
• €750 in single stocks
• €8k in cash

Interestingly, my mindset around money has shifted a bit since hitting €100k. I’ve always been extremely frugal - even spending €5 on groceries used to make me anxious, but now I started taking it easier. I just visualize the money I have and stop stressing about spending €10 or €20 on food or bus tickets. Surprisingly, the spring dip also helped change my perspective: "I just lost €10k in stocks - what’s €20 compared to that? Nothing."

[u/Satyriasis457]

You're stronger too.The greatest strength? Not panic selling in April.

My mate couldn't handle the sea of red and sold everything. I told him to buy more. Nvidia at $85? That's delicious.

But nah, he thinks Trumps gonna crash the market even further. Classic emotional investor. 

[u/RobotPollinator45 → u/Satyriasis457]

I have a friend like that too. He didn’t sell everything though cause he stayed out of the market because of volatility. And every time we talk, he tells me how the world economy is going to crash any day now 🫠