I think its great advice to try in portugese. There would be a lot of people that could benefit. I have lots of Portugese friends in Neuchatel and they would prefer that to French or English. Anything financial I prefer in my native tongue too.
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Alright, alright! Now I need to figure out how to set up a multi-language websiteā¦ 
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I would like italian!
Hi everyone!
I am Ludovic, 100% fribourgeois and working as a Product Owner.
Until a year ago, I was not really into FI, investment or anything related to these topics. Wellā¦ with time, I got wiser and this forum helped me a lot to better understand important aspects of my (future) financial situation! Thanks a lot for that 
Beside that, I try to enjoy life by being with my friends, my family, cooking or woodcrafting! Since my main professional tool is my computer, I like to try hobbies where I can use my hands (instead of tipping all day long)!
Have a great day!
Ludovic
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Hello Mustachians
Iām new here. Happy to learn and share. I stumbled on this FI forum recently after a few years of investing and educating myself based on podcasts / newsletters based in US (apparently sometimes the solutions are available closer than one thinks). Iām 49, based in Vaud, expat here since 10 yrs.
My current portfolio consists of stocks (cornertrader), metals and rentals (outside Switzerland). Iād be happy to link with mustachians with experience in renting real estate, ideally in Vaud, my next planned FI step.
interesting quote (after fool.com): āThe past wasnāt as good as you remember, the present isnāt as bad as you think, and the future will be better than you anticipate.ā
happy investing.
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Hello everyone, I am a 28 year old doctor living in switzerland (TI). I was about to make a big mistake by buying an expensive car when I then read ārich father, poor fatherā and I decided to start investing. At the moment Iām trying to educate myself through YT channels, books and possibly paid courses. I have come across ETFs that seem highly recommended as a long-term investment.
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Hi Mustachians 
I am a finance professional and a CFA charterholder who decided to work on main street instead of wall street. For as long as I can remember I have always been a mustachian. I come from a family of poor farmers. Through discipline, hard work and study, I became a millionaire (net worth including my pension) in my mid-30s and on my way to FI. I would be more than happy to share with you on the subject of finance and to learn from you.
I wish you all the best. Take care. 
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Nice story and progress!
May I ask what exactly you are working in the finance industry? Was the CFA worth it in your eyes (Iāll become a chartholder next month as well and would like to get your view on it)?
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Hi Burningstone. CFA is definitely worth it. In my opinion, you will anyway use the skills you learn even if you decide to retire (really) earlier from your career. I also think that millennials and generation Z CFA charterholders have a role to play to design a new future of finance. All the best with your charter 
and make the world a better place.
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Hello Mustachians!
I am 29 years old and I just discovered the FIRE movement via the book of Mr MP, itās crazy that Iām approaching my 30s and discovering all of this just now ā¦ but Iāll do my best to reach my goals before my 40s !
Take care!
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Welcome! 30 y.o. is young, nothing too crazy here. Donāt rush, itās all about enjoying your time on your own terms. I find FIRE is one of these situations where the journey matters as much as reaching the goal. Iām learning a lot about myself.
Take care and have fun!
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Hi Mustachians,
Iām a 23 years old portuguese accountant living in Vaud, currently doing the federal diploma formation. (sorry if my english isnāt perfect 
)
I discovered āFIREā recently thanks to the @anon95353169 blog and i loved it ! I was very excited to start my journey and change my habits.
Due to my age, i have a lot to learn and i just wanted to thank you all for your implication in this great forum !
Greetings,
Marco
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Welcome Marco!
I see a lot of portuguese are in the Forum!
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Welcome! And congratulations on starting your journey so early!
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Hi Mustachians,
I am a swiss & Italian national of 25 years old. In 2020, I became a millionaire due to the loss of a parent and the inheritance. I lived most of my life in Switzerland (Geneva) before moving to the UK for university and now to Barcelona to work in tech sales. At the moment, all my assets (bank account in CHF & real estate) are in Switzerland but my fiscal residence is in Spain (Catalonia). In a few years, I might come back to live and work in Switzerland but for the moment I love my life in Spain 
. For the moment Iām not planning for FIRE but due to my education I have a quite frugal lifestyle and I want to plan my finances the best I can.
My goals are:
- Learn more about ETFs
- Find the broker that would be the best fit for my situation (resident in Spain but assets in CHF in Switzerland)
- Invest in ETFs
- Optimize my taxes in Switzerland (real estate) and in Spain
Iād be happy to help anyone with questions like living, studying, or working abroad as a Swiss national.
If anyone has tips that could help me to reach my goals, Iād be glad to hear them!
Besides, Iām a big fan of sports like skiing, mountain biking, surfing. My native language is French.
Looking forward to reading you!
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Hi Zebra, I know that your post is 4 years old but I think I can help you with your question about moving countries. Iāve lived in 3 different countries incl. switzerland
Hi @GVA-BCN-boi , welcome to the forum.
Very interesting story by the way ! (quite the opposite than most forum members )
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Hi everyone!
I am 25 and quite excited to get going more seriously! Both my husband and I grew up saving everything so I now convinced him to start investing and go the FIRE route. The current objective is to save aggressively for the next 10 years and then both of us work part-time while we raise our children.
He is Spanish doing a PhD and I am Swiss and finishing my masters. I plan to join the workforce full-time in 2022.
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I think itās time for an update from my side:
I finished my PhD a couple of months back. After some holidays and working as a PostDoc in the same research group (double pay for essentially the same work without having to worry about graduatingā¦) to tie up loose ends, I started looking for new options.
As I didnāt want to continue in academia, this left me essentially with 2 reasonable options: becoming a high school teacher or entering the pharmaceutical industry. I chose the latter since I would have to go to University for at least one more year to get a teaching degree.
I found a job in the RnD department of a medium sized (100-2000 employees globally) pharmaceutical company. The pay is 85k gross, which is on the lower end of what can be expected. The work conditions areā¦ complying with legal requirements, but not much more. However the team Iām in is great, I like the actual work and I feel like Iām learning a lot and gaining experience, which compensates the drawbacks mentioned above.
All in all, I will probably not stay for more than 2-3 years, unless the pay increases significantly and they will allow me to reduce work hours to 80%.
My expenses are around 2.5-3k a month, which means I will be able to save 3k a month as well.
Investment-wise, Iām not following a very creative aproach: low-cost global ETFs, maxing out 3a at Viac/finpension and thatās it. No crypto, no stock-picking, nothing else.
Thatās about everything I can think of. If you have questions, feel free 
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First of all, congrats on your PhD ! Big milestone mate and that is great.
for a PhD and in pharma industry that seems way too low.
As a comparision, my starting job, master in chemical engineering (so not too far away in the field, in the wastewater business was 90k, with some nice advantages (25d holidays basis, 40h workweek, and very high flexibility, like taking 2 weeks off on overtime only). location was the Zurich region. Basically I was doing designing wastewater treatment plants for municipal towns and supporting the execution (functional description, commissioning etc.) It is known to be not the best paying field. Pharma, oil & gas, biotech and nuclear were known to be much higher paying (I got some friends who started off at 100k in Switzerland).
BTW I do not know in what you did your PhD, but biotech is not only limited to pharma. There is a lot going on in more classic chemical industry (polymers produced via bacteria for instance). You can also go to a plant designing field for pharma, which is also high paying (and there is a LOT going on there right now).
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