#personal finance

3 summaries

How European ETF Investors Can Cut Fees and Keep More of Their Returns

European ETF investors often overpay in fees without realizing how dramatically that compounds over time — a 0.15% annual difference can cost over €115,000 on a €100,000 investment across 40 years. This guide breaks down why certain ETFs like those using Solactive's flat-fee licensing model can offer structurally lower costs, and how that advantage grows as fund assets increase. Covering global, developed market, emerging market, US, and European ETF categories, it identifies the lowest-cost qualifying options in each segment along with key selection criteria. It also warns against reflexively switching funds for marginally lower fees, highlighting the tax consequences that can easily outweigh years of savings.

Sep 1, 2025Angelo Colombo🇬🇧🇵🇱🇷🇺🇺🇦

You Are Your Own Main Asset: How to Calculate and Grow Your Personal Value

This post argues that the most valuable asset any person owns is themselves, and offers a simple formula — monthly income × 12 months × working years — to put a number on it. It breaks down the five key factors that drive personal value: age and remaining working life, the country you live and earn in, income stability, mental and physical health, and your realistic prospects for raising earnings. Along the way it makes the case for changing a job you hate rather than chasing speculation, seeking bonus-based pay that aligns your interests with clients and employers, and passing your value on through books, teaching, and knowledge transfer. The core takeaway: investing starts with investing in yourself, and your value keeps growing as long as you keep creating value for others.

Oct 18, 2024HUGS.FUND🇬🇧🇵🇱🇷🇺🇺🇦

Nine Income Streams You Can Build While Keeping Your Day Job

This post breaks down nine real income streams built progressively while maintaining full-time employment, organized around four core financial levers: time, expertise, brand, and capital. From service businesses and consulting to newsletters, short-term rentals, and laundromats, each stream is examined honestly — including the hidden costs and complications most people never mention. The central philosophy is that diversifying income gradually reduces financial risk and removes the need for an all-or-nothing entrepreneurial leap. Whether you earn $37,000 or seven figures, the key insight is using your current income as the engine that funds and builds everything else.

Dec 1, 2023Codie Sanchez🇬🇧🇵🇱🇷🇺🇺🇦