
Andrej Gajdos
621 posts

Andrej Gajdos
@Andrej_Gajdos
Solopreneur • SaaS builder • Fractional CTO • Built products for @Apple and @binance • Tweets about building SaaS 👨💻 transition freelance dev ➡️ tech lead 🚀






You can’t make this up… I just received a notification from Hacienda. They want to review all my income and expense invoices from 2024. I bet they won’t find a thing out of place, but they’ll still come back with some nonsense claim that some of my expenses are not business-related and that I owe them a few hundred €. Nothing really worth fighting them over. I also bet the “suspicious” expense will be travel-related. Hacienda hates when I travel. It always has (anyone else feels this way?) I’m leaving this in writing so that when the resolution comes back, nobody can say I didn’t call it.






Want to hear an even more surreal story? I was a freelancer in Spain, making 4-5K€ per month. Then my son was born, and I was forced to take at least 6 weeks of paternity leave. During this time I would be paid around 900€/month (regardless of how much I made). A good portion of my income came from ongoing monthly contracts that didn't require daily involvement on my part, and I arranged with my clients to do more work upfront and then catch up when I came back to make up for my time away. HOWEVER, to my surprise, my accountant told me the Spanish system did not allow me to create invoices during my paternity leave. I asked if I could give up my paternity leave "benefits" altogether. The answer was NO. So for a while there, I was forced by the government to stop generating 4-5K€ for my family and instead take the 900€ they so kindly were giving me.

rule #1 when you make it: NEVER and I repeat NEVER tell your family about your income/networth


This is true and the same goes for rice and potatoes, even when reheated. It’s called retrogradation. Freezing bread and then toasting it also has the same effect. This is a health hack not enough people are taking advantage of.












The Toronto real estate market is melting Your primary residence is not an investment - never was, still isn’t, never will be. Don’t break the 20/3 rule: 1. 20%+ down 2. Divide home price by 3 and that is your minimum annual household income
















