🇪🇺 Best broker (ETFs): https://angelo.fi/ibkr 📈

Here's how our family of three people is able to spend only 1370€ in total per month for our life in Vienna, Austria. Discover the habits we developed, some conscious choices we made and our monthly expenses in detail!

My Favorite Brokers (ETFs & Stocks):
🇪🇺 Interactive Brokers: https://angelo.fi/ibkr
🇪🇺 Trade Republic: https://angelo.fi/traderepublic
🇦🇹🇩🇪 Germany & Austria: https://angelo.fi/etfs (I recommend using these for tax reasons if you're based in Austria or Germany!)
👉 Compare ETFs & Stocks: https://angelo.fi/analyze
📈 Where I track my ETFs: https://angelo.fi/getquin

My Investments in P2P Lending:
📌 Esketit (0,5% bonus): https://angelo.fi/esketit
📌 Income (1% bonus): https://angelo.fi/income
📌 Viainvest (1% bonus): https://angelo.fi/viainvest
📌 Lande (1% bonus): https://angelo.fi/lande
📌 Robocash (1% bonus): https://angelo.fi/robocash
📌 Mintos (50€ + 1% bonus until Aug.31): https://angelo.fi/mintos
📌 All P2P bonus offers & conditions: ​​https://angelo.fi/all

💰 All my investments & accounts: https://angelo.fi/tools

00:00 What we achieved so far by keeping our expenses low
01:12 Our age and income as a family
01:50 How we decide what to spend money on
02:26 Financial Independence (retire early?)
03:13 Our monthly expenses
03:20 Housing: How rent impacts our savings rate
05:15 Food & drinks
06:26 Transportation
06:51 Household items
07:14 Travel expenses
07:44 Gym, phones and subscriptions
08:09 Our total monthly expenses as a family of 3
08:28 What about haircuts, clothing and baby stuff?
09:21 How much we're getting in family allowance for our daughter
09:48 Are we happy with the lifestyle we chose?

Our main ETF: Vanguard FTSE All-World Accumulating (ISIN: IE00BK5BQT80, Ticker: VWCE)

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Some of the links are affiliate links, which help support me and the YouTube channel. Still, none of the links are sponsored.

Disclaimer: I am only sharing my own experience. I'm not a financial advisor and you should always do your own research and due diligence before investing. Investing involves risk of losses.