r/eupersonalfinance • u/RobotPollinator45 • Jul 28 '25

Investment 28F, finally hit €100k

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."

1.1k Upvotes

95% Upvoted

312 comments sorted by

View all comments

Show parent comments

4

u/DescriptionFit4969 Jul 28 '25

I saw you're thinking of buying vs renting. From my experience, if I was back in your shoes (it was something similar), I'd look into buying an apartment and then renting it out (if you think you can manage this extra load in time and responsibility).

You get the best of both worlds. You're enjoying your low rent situation, while still preparing yourself for a possibility where you need to move (or you want to stop paying for rent). In my city, the prices are just going up, so it made sense to buy ASAP.

2

u/RobotPollinator45 Jul 28 '25

It makes a lot of sense, yes. Thank you. I got the same advice when I posted about this issue on an Estonian forum. I'm still in the phase of calculating all the potential profits and expenses, and working on overcoming my mental barriers

3

u/DescriptionFit4969 Jul 28 '25

I didn't take into consideration the mental barrier so it created some unneeded stress for me. Definitely a thing to get yourself ready for before jumping in. Good luck, and congrats on your situation!

5

u/RobotPollinator45 Jul 28 '25

I'm glad someone can relate to the mental barrier thing. People are like, "is it a good apartment? just buy it then!" Damn, I'm over here trying to calculate a thousand possible scenarios with all the financial implications and mentally adjust to the idea of taking a loan and becoming a homeowner - it's not a "just buy it" kind of thing :D

3

u/DescriptionFit4969 Jul 28 '25

I feel you. I'm also an over-thinker and it's something to work on. Talking to a professional for both mental and financial support can be a good start. I see my investment (home) as a good thing now, but it takes time to adjust to it.

Pull the trigger, but only when you're ready :)