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I turned 32 a month ago.
Full-time IT job, wife, two young kids, house with a mortgage that still feels big some days.
Portfolio: ~€50k in ETFs/stocks
Cash buffer: €40k (emergency + opportunities)
Light crypto/collectibles: ~€10k
Home equity: ~€380k after mortgage
Total net worth: ~€480k-ish
Not flashy. Not retired early. Not a crypto whale.
But:
• We’re homeowners in our early 30s (most peers still rent)
• We sleep at night with a fat cash cushion
• No lifestyle creep eating our gains
• We’re deeply involved in our kids’ lives
I have an amazing life!
What I’m trying to do is keep this current lifestyle forever by steadily growing the portfolio.
I tried to outline how I came to what I have and what my plans are in the mentioned article. I'd be happy if you'd give it a read and tell me what you think.
x.com/SteadyPup/stat…
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