Author: The Fillennial

  • 8. Preparation Pays: How Being Ready can Shape Your Life and Income

    8. Preparation Pays: How Being Ready can Shape Your Life and Income

    From Mario Kart rivalries to job interviews, efforts to be prepared have turned “lucky breaks” in my life into long-term confidence and career growth.

    The first time I raced Mario Kart with my older cousins on the Nintendo DS, I got obliterated. Dead last. Every. Single. Time. They laughed, I sulked, and somewhere between Rainbow Road and Wario Stadium I realized two things: one, Mario Kart is pure chaos disguised as a children’s game, and two, I hated losing even more than I liked winning.

    So I did what any slightly obsessive kid with too much free time would do. I practiced. A lot. Hours of figuring out every drift, shortcut, and item box until it became second nature. Weeks later, at the next family gathering, the rematch came. And the tables had turned: I didn’t just beat my cousins once, I won every single race. Ultimate victory.

    The only problem? I wasn’t invited to play again. Apparently, nobody enjoys game night anymore when the little cousin suddenly decides to treat it like Formula 1 qualifying.

    At the time, it was just a silly story about a video game. Looking back, it was my first real lesson in how preparation quietly stacks up until it looks like luck’s lesser-known sibling.

    Growing Up Prepared

    The instinct to fanatically prepare didn’t just come from playing video games. Turns out, at a young age I was already cultivating it at home without realizing it.

    My mom used to be a primary school teacher, which basically meant our house doubled as an unofficial after-school program. At home we played math games without realizing it, read books that “magically” reappeared in class, and sometimes even helped prep her lessons. By the time I walked into an actual classroom, most of the material felt like a rerun.

    I’m now extremely grateful for it, because the gift of that early prep was invisible but very powerful. In primary school, it gave me breathing room. I could focus my attention on having fun with my friends without falling behind. In high school, it helped me keep up even when things got tougher. I had already learned how to learn.

    I also realize now, years later, that my parents have actually never taken an opinion on the precise grades I got at school. Whenever I came home with a good or a bad grade, they just asked one question: Did you give it your best shot? In other words: did you prepare in a way that increased your chance on a good outcome, whether you actually got it or not?

    I guess that strong emphasis on effort over the actual results explains why I’ve never felt pressured at school, and as a result have always done quite well there. Was I the smartest student around? Absolutely not. But often I had a head start, and was otherwise encouraged to create one for myself. Preparation had quietly become my cheat code.

    Student Life: Prepping My Way Into Leadership

    Fast forward to university. When I ran for chair of my study association, I wasn’t the only one. Two others wanted the role as well, so we had to interview for it. My strategy? Prepare until I could do it half asleep.

    I practiced my story endlessly, sometimes in my head, sometimes out loud (sorry to the anyone who had to listen). I asked friends to grill me with questions until my answers rolled out naturally, and had conversations with students who previously held the role. I probably went a little overboard, but when the day came, it worked. I got the position.

    That playbook later carried over into job applications. I’d grab coffee with people who already had the role I was interested in, ask them about their paths, and walk into interviews with a perspective deeper than the job description. It made me stand out. And even when I didn’t get the role, which of course happened on multiple occasions, I always walked away with peace of mind because I knew I had done everything I could.

    That’s maybe the underrated part of thorough preparation: it doesn’t guarantee you’ll win, but it takes away the nagging doubt afterwards. If it doesn’t work out, at least you know it wasn’t because you slacked. Probably another reason why my parents always emphasized effort over outcome when I was young.

    Preparation Compounds (Just Like Money)

    Preparation is a lot like saving, investing, and maybe even this blog in the future. Each small effort feels insignificant at first. But stack enough of them, and the effects start to show.

    Because I’d prepared, I was calm in interviews. Because I was calm, I landed leadership roles. Because I’d done those, the step-ups in responsibility also meant step-ups in pay. That’s not linear, it’s compound growth in disguise.

    These days, I earn well above the Dutch average at a relatively young age. That’s partly due to privilege, timing, and the support of others, but also because preparation nudged the odds in my favor at key moments. The biggest promotion I’ve ever received at work was because I received a lot of goodwill by successfully managing a crisis situation. I was very lucky that I had been in a comparable situation a few years before, and could bring some of those learnings into the new one.

    Of course, prep isn’t glamorous. Most of it happens when no one’s watching. For me, that sometimes means spending Friday nights reading industry whitepapers or books from thought leaders instead of going out. (Yes, I’ve been that guy.) But every bit adds another coin to the jar.

    And the payoff isn’t only financial. Preparation gets you something even more valuable: calm. It makes challenges feel manageable, opportunities less scary, and setbacks less permanent. That’s also why senior level jobs almost always require previous experience: it’s an assumption of preparation in disguise.

    The Lesson

    If money compounds when you save and invest, preparation compounds when you repeat small habits of learning, practicing, and showing up ready.

    Mario Kart victories, over-prepared pitches, awkward first interviews, they all looked small on their own. But over time, they stacked. Each effort built into the next, until it wasn’t just a skill or a win. It became a way of moving through life.

    The lesson here is simple: preparation tips the scales. Not always, not perfectly, but enough that “lucky breaks” might start feeling a little bit less like luck.

    Final Thought

    Looking back, almost every turning point in my life was shaped more or less by a combination of chance and being sufficiently prepared. It turned Rainbow Road from initial humiliation into victory. It opened doors in student life. It gave me confidence in job hunting. And yes, it shaped my career and my income.

    Seneca was right: “Luck is what happens when preparation meets opportunity”. But here’s the modern version: if you keep anticipating and preparing in line with your personal goals, opportunities stop feeling like accidents. They feel like the next lap in the race. And this time, you’re ready for the banana peel.

    So tell me: What’s one time where preparation really paid off for you, in school, work, or anywhere else?

    Many readers share these lessons in their own circles. If this story gave you something, feel free to pass it on!

  • 7. I Hit My First €100,000 and Felt… Almost Nothing?

    7. I Hit My First €100,000 and Felt… Almost Nothing?

    Hitting €100k didn’t bring champagne. It brought calm, perspective, and the quiet freedom to choose without fear of money holding me back.

    I woke up in a five-star hotel in Sofia, Bulgaria. The kind of hotel with tall and heavy curtains that let through just enough sunlight to remind you it’s way too early. There was an espresso machine in the corner, a bathrobe hanging off a chair, and a minibar I definitely wasn’t going to touch because of the ridiculously expensive peanuts.

    It might sound like success. At least, the version of success my younger self would have imagined. But I wasn’t on holiday. I was there for work, with another day of back-to-back meetings ahead of me.

    Still half-asleep, I did what I always do in the morning: reaching for my phone and opening my banking app to check my portfolio. And there it was. Overnight, my total net worth had crossed €100,000.

    Not in cash stuffed under a mattress, but slowly built through years of consistent saving, investing, and letting compound growth do its thing. A milestone I’d slowly worked toward for years. And now it was real.

    The Moment Itself: Not What I expected

    I’d love to tell you I jumped on the bed, ordered champagne, or at least splurged on those overpriced peanuts. But the truth? I felt almost nothing.

    It wasn’t because I suddenly didn’t care. I had cared for years. But when the number appeared there was no fanfare, just a quiet recognition. A small exhale and lightness like I’d finally put down a heavy backpack I didn’t know I was carrying.

    It wasn’t disappointment. It wasn’t euphoria either. It was more a composed satisfaction like: “Okay. So this is what that feels like.” And just as quickly, it all went away. My focus shifted back to the day ahead: I went to the hotel gym to wake myself up with an early workout, took a shower, had my breakfast and stepped in the taxi to the office. 

    From an Unexpected Feeling to Personal Finance Lessons

    That quiet morning in Sofia taught me three big lessons.

    1. Money doesn’t buy the feeling you expect.
    Numbers don’t hug you. They don’t validate you. €100K didn’t suddenly make me feel “better.” It just reminded me that I already had most of what I wanted: health, friends, and the ability to enjoy life along the way.

    2. Money buys space.
    What I did feel was relief and calm. The knowledge that if something went wrong, I could most likely handle it. That if I wanted to say no to a job, take a break, or support someone close to me, I had that option. That kind of freedom doesn’t scream. It whispers.

    3. Comparison is useless.
    In some circles, €100K is pocket change. In others, it’s life-changing. In The Netherlands, especially at my age, it puts you ahead of many but also still behind others. Comparison is a terrible financial strategy. The only healthy use for it is perspective.

    And perspective was what this moment gave me: gratitude for the privilege I’ve had, and a reminder to stay grounded in who I am, not just in what I own.

    The Real Milestone

    Looking back, the milestone wasn’t the number itself. It was the habits that built it:

    I once had dinner with a billionaire and what struck me most wasn’t his wealth, but his calm. He didn’t talk about numbers at all. He just carried himself lightly. Crossing €100K was my own small glimpse of that same feeling.

    Final thought

    €100K didn’t make me happier. But it did make me quieter inside. It wasn’t a party moment, it was a peaceful moment.

    And maybe that’s the real secret: the numbers themselves don’t change you. The peace you build along the way does.

    What financial milestone are you working toward right now, and how do you celebrate progress along the way?

    Many readers share these lessons in their own circles. If this story gave you something, feel free to pass it on!

  • Special Post: The Why, How and What of The Fillennial

    Special Post: The Why, How and What of The Fillennial

    How a chat with a friend turned into The Fillennial, and what building it taught me (and maybe you).

    Now that the blog has finally reached a stable state, I felt excited to immediately write down its creation process. By doing this I will always be able to revisit its humble beginning. For you, there might be some valuable product management lessons if you ever want to create something yourself.

    The idea for The Fillennial was born in conversation. I’ve always been open about money with my best friends, and one in particular. He has an entrepreneurial mindset, much more than I do, and we’ve often compared how differently we were raised financially. One day, we had a discussion about our saving behavior. After I explained the saving habits I had grown up with, he told me he’d never heard it framed that way before and that he was grateful I did.

    Not long after that, he told me he’d made a few small tweaks to his own savings approach that would really help him on the long term. Realizing I could help someone I respect so deeply, simply by sharing my perspective, lit the spark that eventually became this blog.

    I know what open and honestly talking about money and financial behavior with my friends has done for me personally, and I wish for everyone to have that as well. This blog is essentially a collection of the money conversations in my social circle. The ones I’ve had, and the ones still to come.

    And that conversation on saving habits I just mentioned? That has become the very first post on this blog.

    Starting with “Why”

    When I decided to go for it, I did not start with the question“how do I monetize a blog?”. The goal for the blog would be to inspire conversation and thought through real stories, like in my own social circle. So I instead asked “what would make a blog worth reading if the goal is to spark discussions and thinking about money?”.

    That flipped the problem upside down. It wasn’t about ads, plugins, or growth hacks. It was about integrity, quality, and consistency.

    • Why: share real stories that might spark conversations and new perspectives on money.
    • How: through openness, accessibility, and focus on nuance.
    • What: a blog that is simple, bingeable, and easy to share.

    How it took shape

    If the Why was the compass, the How became the map.

    Just like a good map, the How consists of different layers. And it’s the combination of many choices that together define how The Fillennial works:

    • Quality content: reflections that honestly capture both experience, lesson, and me as a person.
    • Warm, genuine and grateful interaction with anyone who takes the effort to read along.
    • A clean, minimal website and newsletter focused exclusively on delivering both the stories and lessons.
    • No gated content or affiliate links. Everyone should have equal access, and the blog should not be used to trick the reader into buying something they don’t need.
    • A two-week rhythm that sets trust and pace, instilled to guarantee quality content and give me a chance to occasionally do other things in life as well. 
    • A single community channel (Bluesky) to stay focused and have meaningful interactions.
    • Monetization only after the foundation is stable, and even then with minimal intrusion.

    These are the things I hope will make this blog more than just a website and, instead, a source that inspires conversations and a few smiles along the way. Especially in the social circles of the readers. 

    The reality of implementation

    Implementation didn’t begin with technology, it began with writing.

    But let me be honest first: Yes, I make use of AI tools in the writing process. And if that takes away some of the romance of this blog, that’s a risk I’m happy to take. I found AI to be an extremely helpful support tool to help structure my thoughts, guarantee consistent quality in the posts, and actually get my messages across.

    But that being said, I also want you to know the stories on this blog are as real as can be. I take great care in editing each post until I’m personally satisfied with it, which is one of the reasons I decided for a publication rhythm of every two weeks. 

    When I had written the first six posts, I shared them with the friend who inspired the idea, and with my girlfriend as well. Their feedback helped ensure that my actual personality, voice and perspectives were recognizable. Only after this writing foundation was finished did I turn to the technological setup.

    Building a blog is not a straight process

    Most people think products like this are built linearly: first this, then that. Like a Lego set with 1,300 pieces and an instruction manual. It’s a mistake I made as well, treating complex products like this as if they can be finished step by step and then declared “done.”

    I now know that an approach like that is what you would normally call a project. Like the Lego set it has a pre-defined trajectory where important variables are known, and a true moment of completion. But this blog isn’t a project, it’s a product. And products are never truly finished. They evolve, improve, sometimes break, and then get fixed. Kind of like all the corporate coffee machines I’ve ever seen in my life. And the product labeled The Fillennial is more elaborate than I anticipated upfront:

    • Hosting with Hostinger.
    • Website building on WordPress.
    • Professional e-mail via Outlook.
    • Social Media interactions on Bluesky.
    • Newsletter management in MailerLite.
    • Website security with a tool I won’t name for exactly that purpose.
    • Compliance through Complianz.
    • Analytics and integrations with Google Site Kit.
    • SEO powered by Rank Math.
    • And a handful of other plugins to tie it all together.

    That means in practice, implementation was highly iterative and far from linear. Every step was: install, test, adapt, sometimes abandon, then return later. I also had to be a generalist: learning just enough about a tool until I had what I needed, and then moving on. Never aiming for mastery, just progress. Bit by bit, the site became more stable and more aligned with the Why. And more fun to build than I would have expected as well.

    The biggest lesson

    Looking back, inverted thinking gave me the structure I didn’t even know I needed. It reminded me to always start with the Why. Then work back to the How. Then work back to the What.

    But structure alone wasn’t enough. Progress came from iteration, from treating The Fillennial not as a project with an end date, but as a living product that grows, shifts, and sometimes breaks. And that when the latter happens, it gets rebuilt a little stronger.

    That combination of vision and iteration is the biggest lesson I’ll carry forward. Not just here, but in my work and life too.

    Moving forward

    Now the foundation is here. The technology stack is in place. The rhythm is set.

    Monetization might come, but the blog has been set up in such a way that it can only be a byproduct of consistency and reader value. The real work is writing, sharing, and connecting.

    If you’re reading this, you’re part of that process. I’m glad you’re here and hope this blog delivers on its intended value, and maybe even lightens your day a little.

    – The Fillennial

    Many readers share these lessons in their own circles. If this story gave you something, feel free to pass it on!

  • 6. A Billionaire Paid For My Curry and Taught Me a Lesson in Success, Money and Humility

    6. A Billionaire Paid For My Curry and Taught Me a Lesson in Success, Money and Humility

    Dinner with a billionaire taught me that wealth doesn’t change who you are. True success is carrying money lightly, with humility and clarity.

    I was in Munich with a colleague for a two-day conference hosted by the company behind a platform we rely on heavily at work. It was one of those big-budget corporate productions: massive screens, polished stages, and enough caffeine to keep the whole city awake. The agenda was packed with technical deep-dives, product demos, and the kind of hallway networking where business cards are traded like there are Pokémon on them instead of a fancy “vice president” title.

    The founder of the company was a man who had turned his ideas into a billion-dollar company, and as a result had become worth a couple of them himself. He opened the event with a welcome speech. It wasn’t flashy or dramatic, just a warm introduction: “Here’s why we’re here, this is where we’re going with the industry and our company. Thanks for coming.” Twenty minutes, a smile, and he was gone. Still, you could feel the weight of his presence. This was someone who had built something massive, and become unimaginably wealthy in the process.

    By the end of the second day, most attendees had already caught flights home. My colleague and I were staying the night, so we decided to grab dinner at the nearest restaurant: an Indian place just down the street from the hotel.

    We had just settled in and were halfway through our papadums when a familiar silhouette entered the room. It was the founder. No entourage, no bodyguards. Just a man in a jacket, scanning the restaurant like any other hungry traveler.

    We were both stunned and excited, not exactly the combination that helps you act cool. Thinking this might be our only chance to ever meet him, we walked over to introduce ourselves and asked if we could take a quick photo. While he was still halfway out of his coat, a staff member explained that the restaurant was fully booked for the evening. And before I could think twice, I heard myself blurting out:“You’re welcome to join us.”

    Smooth. Very smooth.

    To our surprise, he smiled and said “Sure, why not?”

    An extraordinarily ordinary dinner

    So there we were, sharing a table with the man whose ideas and products had shaped my career path. My colleague was clearly starstruck and temporarily out of order; I tried my best to keep the conversation grounded. Fortunately the conversation flowed naturally.

    We talked about the company: its early struggles, the turning points, the lessons learned. But it wasn’t a one-way interview. He asked about our jobs, our careers, even our thoughts on the conference. For an hour or two, over curry and naan, it stopped feeling like dinner with a billionaire. It was just three people swapping stories about work, choices, and a field they all cared about.

    When the check came, we instinctively reached for it. But he didn’t hesitate: Out came an American Express Centurion card, the mythical “black card” I’d only ever read about. A quick confirmation of his enormous wealth, even after such a casual dinner. He handed it to the server with a grin and said to us:

    “One way or another, your company pays for it anyway.”

    We laughed, took a photo, and wished him a good evening before walking back through the cool Munich night. The next morning my colleague posted about our encounter on LinkedIn, and for 24 hours we were mini-celebrities in the platform community. Connection requests poured in from people we’d never met.

    The Life Lesson Hidden in a Dinner

    What really stayed with me wasn’t the 24 hours of LinkedIn fame, the photo, or even the Centurion card. It was the reminder that money doesn’t have to change who you are.

    Here was someone with more wealth than most of us can imagine, yet he carried himself like a normal person who just wanted dinner after a long day. He could buy the whole restaurant and whole apartment block with ease if he wanted, but there wasn’t a trace of superiority at our table.

    And it tied into another realization: some of the wealthiest and successful people I’ve met barely talk about money at all. They have the financial freedom to choose what to care about and as a result tend to be more inclined to carry themselves with lightness, clarity, and a sense of enough. Something that for example also became very clear to me one time when I got a masterclass on financial freedom in the back of a Porsche.

    The takeaway of the dinner? Success doesn’t automatically make you different or better. It only changes you if you let it.

    Final Thought

    A billionaire paying for my curry didn’t teach me about luxury. It was the best crash course in humility I’ll ever get, served with naan and rice on the side. 

    Because whether you’re a billionaire or just reaching your first €100k, the real wealth isn’t in the number. It’s in how lightly you carry it, and how little you let it change you.

    Have you ever met someone whose humility or calm confidence really stuck with you? What did you take away from it?

    Many readers share these lessons in their own circles. If this story gave you something, feel free to pass it on!

  • 5. From Speeding on the Highway in a Porsche, to an Unexpected Lesson in Financial Freedom

    5. From Speeding on the Highway in a Porsche, to an Unexpected Lesson in Financial Freedom

    A Porsche ride taught me that true financial freedom isn’t luxury, it’s the calm to shrug off small setbacks without losing peace of mind.

    I still remember the first time I consciously spent time with someone who was, well… rich. At the time I was still a student, dating my ex-girlfriend, and we had to go all the way across the country for a family birthday.

    To avoid a long slog by public transport, her uncle and his partner offered to pick us up at the nearest train station. Nothing unusual. Except when they pulled up and parked, I realized this wasn’t just any car. It was a Porsche, and a brand new one at that.

    For a student who thought “luxury” meant ordering a beer that wasn’t the cheapest one on the menu, this was a completely different universe.

    A Ride I’ll Never Forget

    Sliding into the backseat felt like stepping into a spaceship. The leather, the quiet hum of the engine, the dashboard shining like something out of a sci-fi movie. My ex played it cool, she’d known her uncle all her life. I, on the other hand, was basically vibrating in the backseat.

    Then we hit the highway.

    The car moved with this effortless smoothness, like it was barely trying. And then, on a wide and empty stretch, they tapped the sport mode. The quiet hum turned into a roar, my stomach dropped, and suddenly we were flying forward.

    It wasn’t reckless, it was controlled, confident, calm. That’s what surprised me most. There was no nervous laughter, no “oh wow” reaction (besides mine). Just two people casually enjoying their car.

    After recovering from the excitement, I asked the one question everyone would probably have on their mind: “Aren’t you afraid of getting a ticket?”

    The uncle didn’t even blink. He just smiled and said:
    “Better to get there on time, we’ve got the entire country to cross. A fine doesn’t matter.”

    I’d never advocate breaking traffic laws (I was already nervous enough in the backseat), but that line hit me harder than the acceleration..

    More Than Just Speed

    For me, a speeding ticket would have been a disaster. Not least because I didn’t even have my driver’s license yet. Also because my monthly budget was a patchwork of savings, government study financing, and the occasional splurge on fun with friends. Even a €100 fine could ruin my entire month. And even then I was lucky, thanks to my financial upbringing I had a buffer and knew how to live without debt.

    But for them? A speeding ticket was an inconvenience, not a crisis. They had leather seats and sport mode. I had a shrinking savings account and a second-hand bike. Their calm, casual perspective and display of financial freedom was worth more than the Porsche itself. It planted a seed: A glimpse of the quiet, humble self-confidence of someone who knew they were more than fine, which I’d later recognize in other places and would try to achieve for myself as well.

    Final Thought

    Financial freedom doesn’t always look like champagne and caviar. Sometimes it looks like pressing sport mode on the highway without worrying about whether you might get a ticket. The Porsche ride gave me my first glimpse: true financial freedom isn’t about showing off. It’s the quiet confidence that you’ll be fine, no matter what.

    What’s a moment when you realized money could buy peace of mind rather than luxury?

    Many readers share these lessons in their own circles. If this story gave you something, feel free to pass it on!

  • 4. From Zero to Invested: The Scars and Lessons from My First Year in The Stock Market

    4. From Zero to Invested: The Scars and Lessons from My First Year in The Stock Market

    My first year of investing was full of red numbers, emotional dips, and late-night portfolio checks. But it also taught me the lessons that still guide me today: patience, preparation, and the value of “learning money”.

    People often say: “I wish I’d started investing earlier.”
    Yes, technically that’s true for me as well. More years in the market would probably have meant more returns today. But here’s the catch: I only started investing when I was financially and emotionally ready to do so. Before that, I didn’t have enough money to lock away for the long term. And without the right preparation, I probably would’ve quit the first time things went south.

    Because make no mistake, they did. And not just “oops, I lost a fiver” south. More like: “why is my app bleeding red and why do I keep checking it at 2am” south.

    The Long Runway Before Takeoff

    My first step into investing wasn’t opening a brokerage account. It was listening.

    One of my best friends recommended the Dutch podcast Jong Beleggen. The premise was simple but brilliant: a young entrepreneur had just sold his company, pocketed a big sum of money, and decided to invest part of it in the stock market. Each week, he and a co-host discussed the basics of investing, their portfolios, and how the swings made them feel.

    For more than a year, I listened religiously. It was my crash course in what investing looks like in real life. Not just numbers on a screen, but the emotions that come with them. Also, let’s be honest: hearing someone else talk about losing thousands makes your future €500 a month experiment feel a lot less dramatic.

    By the time the podcast started covering more niche topics that were only really interesting if you really took the time to elaborately research individual companies, I had already gotten what I needed: a slow, steady introduction to the world I was about to step into.

    Looking back, I’m incredibly glad I took my time. Because when I finally started investing in April 2022, the timing was… let’s say, challenging.

    Starting Simple, Entering a Storm

    My strategy was basic:

    • A broad, globally diversified ETF. Like a delicious vanilla ice cream.
    • One or two smaller thematic ETFs on the side for personal interest. Like the sprinkles on top.

    Nothing wild. Just a foundation and a little flavor. Like plain pizza with a couple of toppings: safe, but tasty enough to keep you coming back.

    But what I hadn’t prepared for were the emotions. Within weeks of buying my first shares, my portfolio started swinging like a rollercoaster. Three months in, I was down 10%. Two months later, I was up 15%. By the end of the year, I was down 11%.

    Basically, my portfolio looked like it had too much Red Bull and couldn’t decide whether it wanted to fly or crash.

    The only reason I didn’t panic and sell everything? Three things kept me grounded:

    1. I invested money I wouldn’t need for years. So instead of panicking, I could shrug and say, “Guess this is future-me’s problem.”
    2. My amounts were still small. Losing a couple hundred euro in value hurt, but it wasn’t like losing rent money.
    3. Thanks to the podcast, I knew bigger fish were also drowning. If they could stick it out while losing thousands in value in a week, I could handle my fifty-euro swings.

    Learning Money

    That first year? 100% learning money. I didn’t gain much, but I gained something better: scar tissue.

    For over a year, my portfolio kept dipping in and out of the red. Each time, I checked my app, sighed dramatically, and then did… absolutely nothing. Which, funnily enough, was the smartest thing I could’ve done.

    Because what I gained wasn’t just returns, it was resilience. I trained my mindset to handle downturns. I built patience. And today, when I see markets drop, I don’t experience extreme panic. I know money can make you do irrational things. I’ve been there before.

    And that’s when it clicked: investing isn’t about being a genius, it’s about learning how not to freak out. Wasn’t it Napoleon who once defined a genius as “someone who can do the average thing when everyone else around him is losing his mind”?

    It reminded me of my teenage investing lessons from my favorite video game. In that video game, time and patience eventually turned tiny gold coins into castles. Real life is the same, just better graphics, and fewer opportunities to start swinging a sword around without being arrested.

    Preparation Pays

    It’s tempting to think I “lost” by not starting earlier. But the truth is, I started exactly when I was ready. My savings rate and financial buffers meant I had room to take risk. And the year I spent learning before acting gave me the conviction to stay in, even when the market tested me.

    That’s the hidden part of investing most people don’t talk about: it’s not just about when you start, it’s about being prepared. Preparation is what keeps you from rage-quitting the market after your first market dip. Because if you start unprepared, the market will chew you up, spit you out, and charge you a transaction fee for the privilege.

    Final Thought

    My first year of investing wasn’t glamorous. Red numbers. Emotional dips. Too much screen time staring at a graph that looked like a mountain range. But it was also the year I built my foundation:

    • I learned that emotions run the show unless you check them.
    • I discovered that patience beats panic.
    • And I realized that learning money in the form of small losses, the tuition fees of experience, is priceless.

    Would I have more money today if I’d started earlier? Probably. But would I have the same mindset and calm? Doubtful.

    And in the long run, mindset is the real compounding asset. Because investing isn’t just about money. It’s about training your brain not to throw a tantrum every time the line goes down. 

    How did you feel the first time your investments went red, and what helped you stick with it?

    Many readers share these lessons in their own circles. If this story gave you something, feel free to pass it on!

  • 3. How an Xbox Game Taught Me The Principles of Investing, Passive Income, and Financial Freedom

    3. How an Xbox Game Taught Me The Principles of Investing, Passive Income, and Financial Freedom

    Fable II taught me investing lessons long before real life did: buy assets, let money work for you, and build the freedom to play on your terms.

    When people talk about learning how to invest, they usually mention classics like The Intelligent Investor, podcasts about index funds, or TikToks on FIRE (Financial Independence, Retire Early).

    My first investing lessons and experiences? It didn’t come from any of those, and it was only years later that I actually realized it. It came from the fantasy RPG I played as a teenager and that still is one of my favourite video games to date: Fable II.

    Yes, that Fable. The one drenched with British humor and sarcasm, where you spend as much time in the fictional world of Albion kicking chickens and flirting with villagers as actually trying to save it.

    But hidden between the troll-fighting and silly side quests, the game had a a great feature. One that occasionally invoked almost the same feelings and thoughts my finances do today, years before I ever opened a brokerage account.

    The Day I Became a Virtual Landlord (and Earned My First Passive Income)

    The game initially offers you an opportunity to work multiple jobs: blacksmithing, woodcutting, and bartending. Basically, side hustles before they were cool. Initially this was my primary means to afford the weapons and clothing I needed for my epic adventures. But after playing for a while, I noticed something: you could buy properties (houses, shops, market stalls), and collect rent from them. Nothing flashy. Just buy, hold, and wait. I gave it a try and bought the cheapest possible shop: the fruit and vegetable stall on the town square. That expense gave me my first ever passive rental income, in pixels. And a first taste of long term investing. 

    Suddenly, new opportunities arose on which my disposable in-game income could be spent. After some more blacksmithing and using the rent of my market stall I could quickly buy another, and then another. And even if I was out on my quests to save the world, money still flowed directly into my pocket because I collected rent. Before long, I owned the biggest castle in the game. Not because I was the strongest fighter (I eventually became that as well because I could now afford all strength-boosting potions), but because I had figured out cash flow.

    The real kicker? Even when I turned the Xbox off and came back the next day, my character had earned gold while I was sleeping. That concept absolutely blew my mind.

    The Investing Lessons Hiding in Fable II

    Looking back, Fable II taught me lessons that apply far beyond the world of Albion:

    1. Buy assets, not toys.
    Financial freedom doesn’t come from buying the shiny sword, it comes from owning the blacksmith that sells it to every other wannabe hero.

    2. Money works while you don’t.
    Rent rolled in whether I played or not. That’s passive income, in pixels. And if the economy grows, the value of your assets rises as well.

    3. Time amplifies everything.
    The sooner I bought, the more I earned over the long run. That’s compound growth, gamified. It was only after my first playthrough that I truly realized this. Whenever I replay the game today, the first thing I always do is get enough cash to make my first investments as early as possible.

    4. Cash flow = freedom.
    At some point, I didn’t need quests for gold anymore. I did them for fun. The money side had taken care of itself, I was financially independent. And the earlier I started investing, the sooner that point arrived.

    When the Pixels Turned into Euros

    Years later, when I could put away money for the long term and started my first investments in ETFs , something clicked. I’d seen and felt this before. Because, just like in Fable, time is the real multiplier. Only this time it wasn’t gold coins; it was real money.

    And the lesson was the same: freedom doesn’t come from buying cooler swords (or, in real life: cars, fashion, and other stuff), it comes from owning the blacksmith. From building something that pays you, even when your mum cuts off the power to the Xbox because you’ve been playing for hours on end.

    Final Thought: From Video Game to Financial Freedom

    Fable II didn’t make me rich. But it planted a seed that made the idea of investing feel natural, even obvious. And even more impressive, the feeling of amassing a large amount of gold in-game was actually quite similar to the feeling I experienced when making my first 100k in the real world.

    So the next time someone tells you video games are a waste of time, just smile and tell them your Xbox taught you more about return on investment than high school economics ever did.

    What’s the earliest lesson (from a game, story, or real life) that shaped the way you think about money today?

    Many readers share these lessons in their own circles. If this story gave you something, feel free to pass it on!

  • 2. The Career Advantages I Didn’t Earn (And Why They Still Help Me Every Day)

    2. The Career Advantages I Didn’t Earn (And Why They Still Help Me Every Day)

    I tick all the privilege boxes. That’s not guilt or bragging, it’s context for everything I write about money. Here’s what having the odds stacked in your favor actually looks like.

    In 2022, Dutch journalist Joris Luyendijk stirred up quite a debate with his book De Zeven Vinkjes (The Seven Checkmarks). His argument: if you tick seven specific boxes, your odds of ending up in the cultural or financial elite in The Netherlands are much higher.

    The seven? Being male, white, straight, having an academic degree, born in The Netherlands, speaking ‘proper’ Dutch, and growing up with rich or well-educated parents.

    The book hit a nerve. Some people recognized themselves instantly. Others felt attacked. But whether you cheered or rolled your eyes, one thing was undeniable: these advantages compound in ways most of us don’t see, especially when we have them.

    My Seven Checkmarks

    I’ll admit it right away: I tick all seven boxes. All of them.

    Now, before you imagine me growing up in a mansion with a tennis court and ponies: nope. My parents were middle class. My mom was a primary school teacher, my dad had a steady job for the Dutch government. We were comfortable, but our family cars were second-hand Toyotas that definitely didn’t have massage seats.

    Still, the advantages were real. And they’re still working for me today:

    Being male means I’ve never had my assertiveness labeled as “aggressive” or been told to smile more in meetings. I can speak up, interrupt occasionally, show confidence without it being called arrogance. I’ve never had to calculate whether my tone might make someone uncomfortable.

    Being white means I’ve probably looked like the reference image when hiring managers picture “a good fit.” I’ve never been “the diverse hire” or wondered if my name on a resume got me filtered out before anyone read my qualifications. I’ve never walked into a client meeting and felt eyes scanning me to confirm I belonged there.

    My university diploma opened doors even before I proved I deserved to walk through them. That piece of paper signaled “capable” before I’d accomplished anything meaningful. It gave me the benefit of the doubt in ways I didn’t earn yet.

    Being straight meant I never had to decide whether to mention a partner at a work event, never calculated whether being honest about my personal life would cost me opportunities. My romantic life has never been a professional risk.

    I speak ‘proper’ Dutch, no regional accent that might code me as “less educated” or “provincial.” That sounds trivial until you realize how much snap judgment happens in the first thirty seconds of conversation. 

    Being born in The Netherlands meant no visa anxiety, no bureaucratic nightmares to prove I had a right to be here, no extra hoops to jump through for every job application. My existence here has never been questioned.

    And most of all I had loving, well-educated parents who provided stability when I grew up. I could take career risks because I had a safety net. I could fail without catastrophe.

    What Privilege Actually Does

    Here’s what I didn’t understand when I was younger: Privilege isn’t just about the doors that open. It’s predominantly about the doors you never see closed.

    It’s not getting the job because you ticked boxes, it’s never being filtered out before the interview. It’s not being handed opportunities, it’s being given the benefit of the doubt when you stumble. And it’s not having everything easy, it’s having the invisible cushion that makes failure less catastrophic.

    And here’s the part that sometimes makes me a little uncomfortable, now that I’m aware of it: these advantages don’t stop after you get hired. They compound.

    When I succeeded early in my career, people assumed it was competence. When I made mistakes, they were treated as learning experiences, not confirmation that I didn’t belong. When I spoke up in meetings, people listened. When I negotiated salary, I was seen as confident and assertive, not greedy.

    At every step, I got the better interpretation of ambiguous signals. That’s what privilege does: it tips perception in your favor, over and over, in small ways that add up to massive advantages over time.

    The Uncomfortable Question I Have to Ask Myself

    I’m in a position now at work where I’m occasionally responsible for evaluating others. That could be in interviews, in team settings, or in decisions about who gets opportunities.

    And I have to ask myself: When someone feels “right” for a role, is it because they’re actually the best fit? Or because they remind me of me?

    When I see someone who’s confident, articulate and has the “right” background, am I recognizing competence, or just familiarity? When someone with a different background or communication style doesn’t immediately “click”, is that a real culture misfit, or is it just that they don’t mirror my own advantages back at me?

    If I have a preference for people who “feel right” without examining why they feel right, I’m just reproducing the same advantages I benefited from. Teams are created that look like the stock photo from the HR handbook, and then we call it “meritocracy” afterwards.

    Privilege and Effort Aren’t Opposites

    Here’s what took me too long to understand: Acknowledging privilege doesn’t mean I didn’t work hard. It means I worked hard with a tailwind.

    I did build my career through effort, learning, preparation, and intentional choices. I did save money, negotiated opportunities, and took risks to get where I am today. That’s all real.

    But I also did it from a starting line that was a bit closer to the finish. I did it with fewer headwinds and more benefit-of-the-doubt. I did it in a context where my advantages were invisible to me but obvious to everyone who didn’t have them.

    So both things can be true: You can work hard, and have massive advantages. Pretending otherwise would just make you blind.

    Final Thought

    I can’t undo my advantages or give back my checkmarks. But I can at least be honest about them. Every story I tell on this blog is filtered through them. When I write about negotiating salary, graduating debt-free, or taking career risks, all of that happened in a context where the odds were tilted in my favor. You need to know that before comparing your path to mine.

    Privilege isn’t something to feel guilty about, since guilt like that won’t get you anywhere. But it is something to be conscious of, because that consciousness changes how you use advantages you didn’t choose. This blog is about my money and my emotions and actions because of it. But all of that happens in context. And my context includes starting the race closer to the finish line.

    You deserve to know that before you read another word.

    So here’s my question to you: What privileges or head starts do you recognize in your own life, and how do they shape the lens through which you see others?

    Many readers share these lessons in their own circles. If this story gave you something, feel free to pass it on!

  • 1. Adopting My Parents’ Saving Mindset Got Me Debt-Free Through University

    1. Adopting My Parents’ Saving Mindset Got Me Debt-Free Through University

    Growing up with saving as the default helped me graduate debt-free. The real inheritance? A mindset of freedom, preparation, and calm.

    When I graduated from university without a single euro of student debt, I knew it wasn’t just luck. Sure, I had some help: government study financing and two years of decent pay during my studies. But the biggest reason was much less glamorous: I had an unconscious saving mindset drilled into me from childhood.

    That mindset was instilled and cultivated by my parents. It allowed me to live a great student life, cover my costs, and still walk away debt-free. Today, I know just how rare that is.

    Growing Up with Saving as the Default

    My parents both grew up in lower middle-class families, where money was tight and every guilder (no euro yet at that time) mattered. My mom especially spent her twenties living paycheck to paycheck, stretching coins until they squeaked. Out of necessity, she developed a saving instinct so strong it might as well have been her sixth sense.

    By the time I came along, our household was financially stable. We weren’t swimming in money, but the idea that money equals safety was everywhere. Saving wasn’t something you did on the side. It was the default. My parents are currently living in a paid off house and strategizing the right moment to retire before reaching the official retirement age in The Netherlands, which makes me extremely proud. 

    One clever parenting trick they did? Giving me my own bank card embarrassingly late, which must have been somewhere between the age of 16 and 17. At the time, I thought it was a human rights violation and argued about it constantly. Looking back, it was genius parenting: without easy access, all my incoming money just piled up. If I wanted to spend, I had to explain why to myself first and my parents second. They never blocked a purchase, but they did force me to think before I acted. The result was that before I ever held plastic in my own hand, I had already unconsciously learned that saving first and spending thoughtfully was normal.

    First Paychecks, First Choices

    By the time I earned my first real paycheck, those lessons were baked in. I got a job at a supermarket, which still remains one of the most fun jobs I’ve ever had because the team truly felt like family. The party mode was always on: We could eat and drink anything thanks to our teenage metabolism, and do it all again the next day. I even got my first kiss after a work party from one of the cashier girls, which probably did more for my motivation than any paycheck ever could. Overall, I felt extremely valued as a person and that reflected in my work ethic, joy and loyalty. I worked ridiculous hours and suddenly found myself with more cash than I’d ever had before.

    Most of my colleagues spent their money fast: scooters, cigarettes, gadgets, fashion. I got an Excel sheet with a growing savings balance. Different priorities, different outcomes. When I did spend, it was on food, drinks, friends and fun. A better return, then and now. And over time, a serious buffer started to build.

    Living on a Buffer Through University

    By my second year of university I’d moved out, and that savings buffer covered rent and living expenses. Sure, my account balance shrank month by month. But unlike most of my friends, I never had to call home with the dreaded ‘Can you transfer some money?’ text.

    Then came a big break: In my third year, I was offered a part-time job at my university. The compensation was generous: Somewhere between €1,300 to €1,500 a month, a fortune for a student. Again, I saved a large part of it. That cushion allowed me to finish both my bachelor and master’s without a cent of debt.

    By the time I graduated, my account balance was close to zero. Even though that moment was very stressful, it was exactly the point: I had spent years preparing, saved intentionally, invested in myself and graduated debt-free. The moment I got my first real job, I could start building it back up.

    The Lessons Behind the Numbers

    Looking back, I realize two big lessons came out of this period:

    1. Privilege matters, but mindset matters more.
    I was fortunate, not everyone gets the same opportunities or head start. My background and family situation played a big role. But it was the saving mindset my parents passed down that made the real difference. Without it, I could have just as easily spent like my peers and ended up with debt.

    2. Preparation buys freedom.
    Having a buffer changes everything. It means you can pay when something unexpected comes up, or simply say “yes” to opportunities without panicking about money. My parents taught me that lesson long before I ever opened my first textbook.

    Final Thought

    Graduating debt-free wasn’t about being a financial genius. It was about adopting my parents’ mindset: saving as the default, spending thoughtfully, and building a buffer even when it seems unnecessary.

    That mindset didn’t just keep me afloat during university, it kept me from drowning in debt. And that, I think, is the most valuable inheritance I could have asked for (along with my dad’s humor and my mom’s stubbornness). It shaped the way I see money today: not as something to flaunt, but as a tool for freedom, calm, and choice.

    What money habit did you pick up from your parents, and do you still use it today?

    Many readers share these lessons in their own circles. If this story gave you something, feel free to pass it on!