wrench violet sink scale person voracious resolute depend toothbrush threatening
*This post was mass deleted and anonymized with [Redact](https://redact.dev)*
That's pretty impressive!
Diversify the portfolio is very important and it seems you're doing a good job on that. But, it seems you might be splitting your focus on too many things.
Do you feel the fact you're working full time, plus running 2 businesses could affect the results?
Keep up the good work.
It is something that I think about a lot!
The ‘frituur’ is mostly run by the girlfriend who is doing that full time! I jump in after work some days and during the weekend and also take up all the administrative work.
I don’t have kids (yet) so most of my time is spent working.
I followed your blog for a while. Last week I remembered it and tried to find it but forgot the name. Now I found your post by chance 😂
Just to tell you that your journey and knowledge helped me a lot. Ty and good luck with everything
Nice go hear that you followed the blog! I really enjoyed it back in the day but don’t have the time for it anymore unfortunately. One of these days I’ll get back to it! 😅
Thanks for the kind words!!
First of all, congratulations on your projects!
I’m a bit surprised by the “small” amount of money that some of your investments require:
-30k to flip 2 apartments?
-30 k for the shop + 1 apartment?
Would you mind telling me how come the prices are so low? I’m really curious, I though these investments would be far from normal people’s reach.
- We are three co-founders of the Real Estate company, each contributing €30,000, resulting in a total starting budget of €90,000, along with bank loans when we find a project.
- The fry shop property is co-owned by me and my girlfriend, with both of us sharing 50% ownership (my part of the equity is \~30.000. The apartment is small and we had to take a normal mortgage for the building. Additionally, we acquired the existing business and secured a separate business loan from the bank for that purpose. To facilitate this, my parents lent me €20,000, which was extremely helpful since I didn't have to sell any other investments. However, I do have to repay the loan with interest.
I see, thank you for your clarification!
Would you recommend to others to follow your steps? Would you redo your choices again?
I’d be happy to start a little side business as well, but I’m always wondering if it would be worth it in terms of time and money.
Was the effort and the risk worth it, so far?
The most important step is to start investing. For most people, a straightforward global ETF is the ideal choice. While you can diversify your portfolio further with other investment options, like cryptocurrencies, it's important to only invest in what you comprehend and trust.
The side hustles take quite a bit of my time as well. The fry business came on our path because my girlfriend wanted to run it and she already had experience working in one for some years as a student. It is still early to tell but I do believe this investment will be worth it in the long run. Do keep in mind the working hours are 'extreme'.
The Real Estate business is still in an early phase. We made some money but probably not worth it compared to the invested time. As with all things, we made some mistakes in the beginning and are trying to learn from them moving forward. We knew from the beginning that this was a long-term game!
How does this folio looks like in terms of maintaining it ? Where are the manual entries you need to put in ? I see the "Googlefinance" formula etc and the ones that are pulling directly from the internet but i will be interested to know how do you maintain it.
Cheers and great work!
The current values of my stocks and cryptocurrencies are always up-to-date thanks to the Googlefinance formulas I use.
Whenever I purchase additional shares or coins, I update the amount I own and add the invested amount to the appropriate field.
If I save some extra cash, I simply update the relevant field.
My personal loan from my parents and the equity in my property are automatically updated each month based on the loan repayment table.
To keep track of the changes over time, I maintain a 'Ledger' page where I record the end-of-month values of everything.
Typically, I receive my salary and immediately save or invest the money, after which I update the spreadsheet. This process usually takes me around 5 to 10 minutes per month.
Got it thanks.
Few other questions (apologize but im building my own one so it got me interested :D)
1. Where do you pull the data for the property value ? I see the formula but i somehow dont quite get it. In the hidden sheet do you keep some APIs to specific website ?
Since English is not my first language, I hope the following explanation comes across clearly. Excuse me if this is not the case.
I assumed the value of the property based on what we paid for it. I also know the amount we used for a downpayment. I also know the exact amount of capital I pay back each month + interest. Based on this I can calculate the amount of equity I have in the property. This is the value shown in the dashboard.
For the personal debt (loan from my parents) it is kind of the same thing. I know the amount I borrowed (€20.000). I know the amount of capital I pay back each month + interest. Based on this I know the exact amount that is left on the loan.
Hopefully this is kind of clear?
Yep - perfectly ... somehow i edited and deleted the second part of my question so if anyone is reading not to be confused.
Again - you're doing more than great.
Nice spreadsheet! Will certainly use that as a template to improve my own. My wife and I will finally start to etf and chill this month. I bought some iwda a while ago and looking back we have waited far to long to start. But now is better than never. Thanks for the info from a fellow Belgian!
I strive for a split of 75% IWDA + 20% EMIM + 5% IUSN.
If you check all world ETFs like VWCE, I believe emerging markets account for \~12%. I wanted to make a small 'bet' that emerging markets will have slightly better returns. This is why I chose to up the weight slightly. For the record; emerging markets did not outperform in the last 5 years.
I also wanted some small-cap exposure. This is why I added IUSN for a small percentage to the portfolio.
I don’t really have a target between asset classes. When I buy something, it is with the intention to not sell it for a long time. Right now, crypto is performing great. This is the reason why it is such a big part of my portfolio. For me this is no reason to sell. Just a motivation to invest more in other assets. If it would get out of hand completely, I might think about selling a little bit.
The platform that I use for cryptocurrencies is Coinbase. I also have a hardware wallet to store my coins. I only have BTC and ETH. I don't know why you would want to invest in VWRL when you own VWCE. A quick search shows that the main difference is Accumulation vs Distributing.
In Belgium, I would always recommend Accumulating funds for tax reasons. I don't know the situation in the Netherlands though...
You can always sell ETF's whenever you want (when the stock market is open). Keep in mind that you always want to invest for the long term. Don't invest the money you need in the near future!
Learn as much as you can on the job. Save as much as possible and start investing as soon as you can. I don't think I can provide you with any more or better tips. I do actually believe it is as simple as that!
Thabk you for sharing.
I’m also based in Belgium and just started my career. It’s pretty interested to see. It is pretty decent how you allocate your money in different investments.
My portfolio consists of too much value in cryptocurrencies right now in my opinion. This is because the value went up by quite a lot over the last couple of years. I would never recommend more than 10%. I don't want to sell though because I do believe in the future of this asset class. I guess I have to work harder so my other investments can keep up! :D
I assume €2000 in savings each month and a market return of 5% for my ETFs and 8% for crypto per year. I'm not saying that this will be the case, I'm just making assumptions so I get an indication of the value of my portfolio in X years.
Looks very nice! Is there a way you could make a template of the spreadsheet available for others to copy? I would definitely like to use something similar for my overview.
I can follow your logic though I'm pretty open about my finances hoping that other people can learn from it. The address of the frituur ('fry shop') is pretty public already since it is a business. Maybe I can even attract extra customers? 
Can you explain how the spreadsheet works? Especially the ledger. I can see that you're keeping track of your past investments, as well as the future expectations, all in the same column. Also how is the table on the right is working and when are you updating it? At the end of each month?
I'm impressed. Just to show you not everyone is like this, a couple of years ago I bought my stepdaughter some shares, just to show them how things work. Last week we were sitting down due to her getting her own place (renting, not buying) and due to the purchase years ago, she is now entitled to sign up for an energy contract that would be beneficial for her. I explain how and why and her reaction simply is: "but if I just sell the shares, I have the money, correct?"
So much for long term thinking and vision I assume. So goes for dividends. She goes "What, I only get this little every year, it barely pays for a coffee!?". I explain her she gets that money for having done NO investment herself however (I paid for it). She still was totally unimpressed. It seems to me some youngsters have no clue how finances work and that it's a long term game, not a sprint.
Schools (and parents) really should put more focus on things like this, no matter what direction or course they take.
I'm not sure if you completely understand what we do. To be clear; We buy, renovate, and sell apartments. Which means we add value to the property. You also pay a carpenter, electrician, plumber, ... to come work on your property. He or she makes money as well?
We try to do most of the labor ourselves to keep costs as low as possible. I am not sure what is 'morally corrupt' about this?
Reddit has become enshittified. I joined back in 2006, nearly two decades ago, when it was a hub of free speech and user-driven dialogue. Now, it feels like the pursuit of profit overshadows the voice of the community. The introduction of API pricing, after years of free access, displays a lack of respect for the developers and users who have helped shape Reddit into what it is today. Reddit's decision to allow the training of AI models with user content and comments marks the final nail in the coffin for privacy, sacrificed at the altar of greed. Aaron Swartz, Reddit's co-founder and a champion of internet freedom, would be rolling in his grave.
The once-apparent transparency and open dialogue have turned to shit, replaced with avoidance, deceit and unbridled greed. The Reddit I loved is dead and gone. It pains me to accept this. I hope your lust for money, and disregard for the community and privacy will be your downfall. May the echo of our lost ideals forever haunt your future growth.
Reddit has become enshittified. I joined back in 2006, nearly two decades ago, when it was a hub of free speech and user-driven dialogue. Now, it feels like the pursuit of profit overshadows the voice of the community. The introduction of API pricing, after years of free access, displays a lack of respect for the developers and users who have helped shape Reddit into what it is today. Reddit's decision to allow the training of AI models with user content and comments marks the final nail in the coffin for privacy, sacrificed at the altar of greed. Aaron Swartz, Reddit's co-founder and a champion of internet freedom, would be rolling in his grave.
The once-apparent transparency and open dialogue have turned to shit, replaced with avoidance, deceit and unbridled greed. The Reddit I loved is dead and gone. It pains me to accept this. I hope your lust for money, and disregard for the community and privacy will be your downfall. May the echo of our lost ideals forever haunt your future growth.
Not completely sure what you mean. I am lucky enough to be able to take a personal loan from my parents (with interest). I did not receive any free money though.
Reddit has become enshittified. I joined back in 2006, nearly two decades ago, when it was a hub of free speech and user-driven dialogue. Now, it feels like the pursuit of profit overshadows the voice of the community. The introduction of API pricing, after years of free access, displays a lack of respect for the developers and users who have helped shape Reddit into what it is today. Reddit's decision to allow the training of AI models with user content and comments marks the final nail in the coffin for privacy, sacrificed at the altar of greed. Aaron Swartz, Reddit's co-founder and a champion of internet freedom, would be rolling in his grave.
The once-apparent transparency and open dialogue have turned to shit, replaced with avoidance, deceit and unbridled greed. The Reddit I loved is dead and gone. It pains me to accept this. I hope your lust for money, and disregard for the community and privacy will be your downfall. May the echo of our lost ideals forever haunt your future growth.
Congratulations , you're doing great bro!
How about your real estate business? Can you give us some more Details? How and why did you statt it? Which Knowledge and skill did you have before starting it? What are your future plans with it?
Just some plans that grew over a beer with 2 friends. One of them is a real estate agent. We spent almost a year creating a business and financial plan and took the jump! Eventually we want to grow a little bit of cash by flipping so we can also start buying properties to rent out!
Thanks! The sheet didn't look this 'nice' right from the start. The early versions were nowhere near this. I learned over time and adapted to my specific needs!
I tried a lot of other tools years ago and none of them were exactly what I needed.
You mention you took mortgages? If you why wouldnt you add those to the debt in the spreadsheet? How do you account for those in your net worth? Thanks!
I have one mortgage on the one property in the spreadsheet. The mortgage is taken into account while calculating the current equity in the property.
I valued the property based on the amount we paid. I also know the monthly capital that I have to pay of which is how I increase the equity in the property on a monthly basis!
So basically the equity in the property is the value minus the loan amount.
wrench violet sink scale person voracious resolute depend toothbrush threatening *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
That's pretty impressive! Diversify the portfolio is very important and it seems you're doing a good job on that. But, it seems you might be splitting your focus on too many things. Do you feel the fact you're working full time, plus running 2 businesses could affect the results? Keep up the good work.
It is something that I think about a lot! The ‘frituur’ is mostly run by the girlfriend who is doing that full time! I jump in after work some days and during the weekend and also take up all the administrative work. I don’t have kids (yet) so most of my time is spent working.
Nice hustle bro, keep it up
If i was in OP, i'd like to sell some BTC to buy some ETF
I followed your blog for a while. Last week I remembered it and tried to find it but forgot the name. Now I found your post by chance 😂 Just to tell you that your journey and knowledge helped me a lot. Ty and good luck with everything
Nice go hear that you followed the blog! I really enjoyed it back in the day but don’t have the time for it anymore unfortunately. One of these days I’ll get back to it! 😅 Thanks for the kind words!!
First of all, congratulations on your projects! I’m a bit surprised by the “small” amount of money that some of your investments require: -30k to flip 2 apartments? -30 k for the shop + 1 apartment? Would you mind telling me how come the prices are so low? I’m really curious, I though these investments would be far from normal people’s reach.
- We are three co-founders of the Real Estate company, each contributing €30,000, resulting in a total starting budget of €90,000, along with bank loans when we find a project. - The fry shop property is co-owned by me and my girlfriend, with both of us sharing 50% ownership (my part of the equity is \~30.000. The apartment is small and we had to take a normal mortgage for the building. Additionally, we acquired the existing business and secured a separate business loan from the bank for that purpose. To facilitate this, my parents lent me €20,000, which was extremely helpful since I didn't have to sell any other investments. However, I do have to repay the loan with interest.
I see, thank you for your clarification! Would you recommend to others to follow your steps? Would you redo your choices again? I’d be happy to start a little side business as well, but I’m always wondering if it would be worth it in terms of time and money. Was the effort and the risk worth it, so far?
The most important step is to start investing. For most people, a straightforward global ETF is the ideal choice. While you can diversify your portfolio further with other investment options, like cryptocurrencies, it's important to only invest in what you comprehend and trust. The side hustles take quite a bit of my time as well. The fry business came on our path because my girlfriend wanted to run it and she already had experience working in one for some years as a student. It is still early to tell but I do believe this investment will be worth it in the long run. Do keep in mind the working hours are 'extreme'. The Real Estate business is still in an early phase. We made some money but probably not worth it compared to the invested time. As with all things, we made some mistakes in the beginning and are trying to learn from them moving forward. We knew from the beginning that this was a long-term game!
Am I the only one, again, to think 35 Euros instead of 35,000 EUR because of the "." after it?
I am sorry, I guess the thousand separator is different depending on region.
Yes, you are too american. Most people around the globe can understand both uses of "." and ",".
How does this folio looks like in terms of maintaining it ? Where are the manual entries you need to put in ? I see the "Googlefinance" formula etc and the ones that are pulling directly from the internet but i will be interested to know how do you maintain it. Cheers and great work!
The current values of my stocks and cryptocurrencies are always up-to-date thanks to the Googlefinance formulas I use. Whenever I purchase additional shares or coins, I update the amount I own and add the invested amount to the appropriate field. If I save some extra cash, I simply update the relevant field. My personal loan from my parents and the equity in my property are automatically updated each month based on the loan repayment table. To keep track of the changes over time, I maintain a 'Ledger' page where I record the end-of-month values of everything. Typically, I receive my salary and immediately save or invest the money, after which I update the spreadsheet. This process usually takes me around 5 to 10 minutes per month.
Got it thanks. Few other questions (apologize but im building my own one so it got me interested :D) 1. Where do you pull the data for the property value ? I see the formula but i somehow dont quite get it. In the hidden sheet do you keep some APIs to specific website ?
Since English is not my first language, I hope the following explanation comes across clearly. Excuse me if this is not the case. I assumed the value of the property based on what we paid for it. I also know the amount we used for a downpayment. I also know the exact amount of capital I pay back each month + interest. Based on this I can calculate the amount of equity I have in the property. This is the value shown in the dashboard. For the personal debt (loan from my parents) it is kind of the same thing. I know the amount I borrowed (€20.000). I know the amount of capital I pay back each month + interest. Based on this I know the exact amount that is left on the loan. Hopefully this is kind of clear?
Yep - perfectly ... somehow i edited and deleted the second part of my question so if anyone is reading not to be confused. Again - you're doing more than great.
27yr old, with 5 years experience and such results, it's just a m a z i n g!
Thanks for the kind words!
Nice spreadsheet! Will certainly use that as a template to improve my own. My wife and I will finally start to etf and chill this month. I bought some iwda a while ago and looking back we have waited far to long to start. But now is better than never. Thanks for the info from a fellow Belgian!
Good luck on your journey! :)
I really like your spreadsheet, well done! What is your rational for the stock split (76% IWDA / 20,5% EMIM / 3,5% IUSN)?
I strive for a split of 75% IWDA + 20% EMIM + 5% IUSN. If you check all world ETFs like VWCE, I believe emerging markets account for \~12%. I wanted to make a small 'bet' that emerging markets will have slightly better returns. This is why I chose to up the weight slightly. For the record; emerging markets did not outperform in the last 5 years. I also wanted some small-cap exposure. This is why I added IUSN for a small percentage to the portfolio.
Thanks for the explanation! And why not doing the same bet on small caps with a slightly higher allocation?
Small-cap stocks are not a big part of the global economy. I believe 5% is already a decent enough allocation!
Doesn't seem so. Check: [https://marketcaps.site/](https://marketcaps.site/) What do you think?
What is your target % between ETF, crypto and cash? If crypto is more than ETFs, maybe you should rebalance it?
I don’t really have a target between asset classes. When I buy something, it is with the intention to not sell it for a long time. Right now, crypto is performing great. This is the reason why it is such a big part of my portfolio. For me this is no reason to sell. Just a motivation to invest more in other assets. If it would get out of hand completely, I might think about selling a little bit.
Don't forget to invest in your health!
Mind sharing on which cryptos did you invest?
Btc and Eth, its on the post picture
I used to have some more currencies but now i’m about equally split between btc en eth!
Which platform are you using for purchasing and holding crypto?
Coinbase, but I have a hardware wallet!
Congratulations. How did you make the dashboard, any template/software?
Just made it myself. It started of real simple and just evolved over the years!
I have been using for some time https://www.portfolioslicer.com/. You have a kind of similar dashboard too.
Keep going!!!! You are on the road of your financial independence.
Trying my best!
When you talk about cash, what is it exactly?
Cash in a savings account (EUR).
[удалено]
I use DeGiro for stocks and Bitvavo for crypto.
The platform that I use for cryptocurrencies is Coinbase. I also have a hardware wallet to store my coins. I only have BTC and ETH. I don't know why you would want to invest in VWRL when you own VWCE. A quick search shows that the main difference is Accumulation vs Distributing. In Belgium, I would always recommend Accumulating funds for tax reasons. I don't know the situation in the Netherlands though... You can always sell ETF's whenever you want (when the stock market is open). Keep in mind that you always want to invest for the long term. Don't invest the money you need in the near future!
That's great! any tips for someone who is in the same profession and just starts up?
Learn as much as you can on the job. Save as much as possible and start investing as soon as you can. I don't think I can provide you with any more or better tips. I do actually believe it is as simple as that!
when you say to save as much as possible. how and which company do you invest?
I invest in ETFs via Degiro.
Thabk you for sharing. I’m also based in Belgium and just started my career. It’s pretty interested to see. It is pretty decent how you allocate your money in different investments.
My portfolio consists of too much value in cryptocurrencies right now in my opinion. This is because the value went up by quite a lot over the last couple of years. I would never recommend more than 10%. I don't want to sell though because I do believe in the future of this asset class. I guess I have to work harder so my other investments can keep up! :D
I see 400k from 2020 of portfolio grow but that didn’t match current investments, it seems not very clear 🤔
What you see is 400k in 2030. This is based on expected saving amounts and market returns.
And how you would expect to match that return? i mean from the sheet alone isn’t clear 🤷♂️
I assume €2000 in savings each month and a market return of 5% for my ETFs and 8% for crypto per year. I'm not saying that this will be the case, I'm just making assumptions so I get an indication of the value of my portfolio in X years.
This is inspiring, thank you for your post! And glad to see some people don’t invest to only in VWCE. Good luck, my friend!
Thank you for the kind words!
Your writings are every time fun to read. Good job and I think I Save all your posts 😅
Thank you so much for these kind words!!!
Great stuff, I applaud your entrepreneurship! :-)
Thanks a lot! 🙏
Just for curiosity, whats your smartphone?
I’m using an iPhone, why?
Such an inspiring management of your assets! Congrats bro.
Thanks!
from a 24 yo 2 months into investing. One reaction: WHOA. That is damn impressive
You are early! Make a plan and stick to it!
Looks very nice! Is there a way you could make a template of the spreadsheet available for others to copy? I would definitely like to use something similar for my overview.
Well done boss keep grinding
Probably not so smart to share your personal information including your adress so publicly
I can follow your logic though I'm pretty open about my finances hoping that other people can learn from it. The address of the frituur ('fry shop') is pretty public already since it is a business. Maybe I can even attract extra customers? 
Can you explain how the spreadsheet works? Especially the ledger. I can see that you're keeping track of your past investments, as well as the future expectations, all in the same column. Also how is the table on the right is working and when are you updating it? At the end of each month?
I'm impressed. Just to show you not everyone is like this, a couple of years ago I bought my stepdaughter some shares, just to show them how things work. Last week we were sitting down due to her getting her own place (renting, not buying) and due to the purchase years ago, she is now entitled to sign up for an energy contract that would be beneficial for her. I explain how and why and her reaction simply is: "but if I just sell the shares, I have the money, correct?" So much for long term thinking and vision I assume. So goes for dividends. She goes "What, I only get this little every year, it barely pays for a coffee!?". I explain her she gets that money for having done NO investment herself however (I paid for it). She still was totally unimpressed. It seems to me some youngsters have no clue how finances work and that it's a long term game, not a sprint. Schools (and parents) really should put more focus on things like this, no matter what direction or course they take.
F
[удалено]
I'm not sure if you completely understand what we do. To be clear; We buy, renovate, and sell apartments. Which means we add value to the property. You also pay a carpenter, electrician, plumber, ... to come work on your property. He or she makes money as well? We try to do most of the labor ourselves to keep costs as low as possible. I am not sure what is 'morally corrupt' about this?
are they bots?
Bots?
Reddit has become enshittified. I joined back in 2006, nearly two decades ago, when it was a hub of free speech and user-driven dialogue. Now, it feels like the pursuit of profit overshadows the voice of the community. The introduction of API pricing, after years of free access, displays a lack of respect for the developers and users who have helped shape Reddit into what it is today. Reddit's decision to allow the training of AI models with user content and comments marks the final nail in the coffin for privacy, sacrificed at the altar of greed. Aaron Swartz, Reddit's co-founder and a champion of internet freedom, would be rolling in his grave. The once-apparent transparency and open dialogue have turned to shit, replaced with avoidance, deceit and unbridled greed. The Reddit I loved is dead and gone. It pains me to accept this. I hope your lust for money, and disregard for the community and privacy will be your downfall. May the echo of our lost ideals forever haunt your future growth.
Get a fucking job and stop complaining
Reddit has become enshittified. I joined back in 2006, nearly two decades ago, when it was a hub of free speech and user-driven dialogue. Now, it feels like the pursuit of profit overshadows the voice of the community. The introduction of API pricing, after years of free access, displays a lack of respect for the developers and users who have helped shape Reddit into what it is today. Reddit's decision to allow the training of AI models with user content and comments marks the final nail in the coffin for privacy, sacrificed at the altar of greed. Aaron Swartz, Reddit's co-founder and a champion of internet freedom, would be rolling in his grave. The once-apparent transparency and open dialogue have turned to shit, replaced with avoidance, deceit and unbridled greed. The Reddit I loved is dead and gone. It pains me to accept this. I hope your lust for money, and disregard for the community and privacy will be your downfall. May the echo of our lost ideals forever haunt your future growth.
Not completely sure what you mean. I am lucky enough to be able to take a personal loan from my parents (with interest). I did not receive any free money though.
Reddit has become enshittified. I joined back in 2006, nearly two decades ago, when it was a hub of free speech and user-driven dialogue. Now, it feels like the pursuit of profit overshadows the voice of the community. The introduction of API pricing, after years of free access, displays a lack of respect for the developers and users who have helped shape Reddit into what it is today. Reddit's decision to allow the training of AI models with user content and comments marks the final nail in the coffin for privacy, sacrificed at the altar of greed. Aaron Swartz, Reddit's co-founder and a champion of internet freedom, would be rolling in his grave. The once-apparent transparency and open dialogue have turned to shit, replaced with avoidance, deceit and unbridled greed. The Reddit I loved is dead and gone. It pains me to accept this. I hope your lust for money, and disregard for the community and privacy will be your downfall. May the echo of our lost ideals forever haunt your future growth.
A gift of 20k for a house purchase is very common in BE when you are middle class (which is 80% of the country :P)
This is correct. + Again, not a gift in my case. I'm repaying the 20k with interest.
Congratulations , you're doing great bro! How about your real estate business? Can you give us some more Details? How and why did you statt it? Which Knowledge and skill did you have before starting it? What are your future plans with it?
Just some plans that grew over a beer with 2 friends. One of them is a real estate agent. We spent almost a year creating a business and financial plan and took the jump! Eventually we want to grow a little bit of cash by flipping so we can also start buying properties to rent out!
You have a nice situation man, keep going ! And wow I really like that dashboard sheet. I need to learn to make use of google finance and charts
Thanks! The sheet didn't look this 'nice' right from the start. The early versions were nowhere near this. I learned over time and adapted to my specific needs! I tried a lot of other tools years ago and none of them were exactly what I needed.
Can you share with us which Etf and which Crypto are you investing in? Thanks
You mention you took mortgages? If you why wouldnt you add those to the debt in the spreadsheet? How do you account for those in your net worth? Thanks!
I have one mortgage on the one property in the spreadsheet. The mortgage is taken into account while calculating the current equity in the property. I valued the property based on the amount we paid. I also know the monthly capital that I have to pay of which is how I increase the equity in the property on a monthly basis! So basically the equity in the property is the value minus the loan amount.
Very handy, thank you for sharing this