Looks fancy.
But it’s minus vacations, minus sickness days, minus your own employment costs, minus equipment and professional licenses, potentially minus a reasonable pension scheme… In the end I guess your net take-home pay over the year might still be 50% more, but only showing the gross figures is a bit misleading.
Great progression as freelancer.
I’im IT systeme engineer IT contractor but and I’im interested in change to freelance…
But I know how start… not easy find your own customers
congrats and have fun at the new gig! 
congratulations, Cortana!
you are right. some things you have to calculate. in the end its about money management. you earn more so you can actually also take more vacations if you want. but the income is not for granted so you have to plan better. and sick days are not paid yes thats true. but since im doing freelance im less ill because i dont habe to peovide a certain amount of hours. so my physical and mental health got actually better 
and pension plan is depending on what you choose. my pension plan before when i was employeed was also worse so it can always get better. basically i think in the first year its maybe 50% more than employed. but when you filled up your emergency funds then i guess its going up
Dear community,
I would like to take advantage of this thread to announce that I have successfully passed my bar exam with an overall mark of 5.58/6.
This means that I have finally become a “lawyer” (not entered in a cantonal register, as I’m practising as a jurist at the moment) after 15 years of long studies, 5 of which were spent looking for an internship (which was ultimately the hardest part, as my grades did me a lot of harm in this respect).
Unfortunately for me, no pay rise in my current position, but no doubt new opportunities for the future!
2017 : 72’000 → first job after graduation
2018 : 78’000
2019 : 86’500 → change of company
2020 : 90’000
2021 : 86’900 → reduction to 80% + pick up side job as a teacher (~15/20% but more holiday)
2022 : 90’900
2023 : 89’000 → 90%, dropped teaching side job
2024 : 94’500
So today I got my usual salary and the bonus. 40.8k net. Never received that much in one single month. Feels kind of surreal now that it‘s actually paid out.
Well deserved, I guess! So, have you already dumped it into VT? 
I maxed out my 3rd pillar, bought 0.1 BTC for 4.7k, refunded my emergency fund (back to 10k), converted 5.5k in USD (not yet invested, my fault waiting for stock markets to drop a little), paid around 5k for our 4 weeks Thailand trip (2k for flights already paid last year) which will end by end of this week, bought 3 new suits with 3 troussers each and 8 new shirts for 1.5k in Bangkok for my new job that will start in 5 weeks. And my private account is now down to 200 CHF lol. All gone.
In essence, I saved/invested ~20k of it. 9.5k went to my taxes savings account anyway, rest for bills and the vacation.
Of course we could have stayed at home and I could have invested an additional 7k, but I think I‘ll never regret having spent an amazing time here.
If it helps, you can consider the holidays an investment in yourself. Adding to experiences and knowledge that should hopefully compound to make you happier, more knowledgeable and wiser.
Talking about salary progression i asked 4% today to cover inflation. Legit? (Backed by a very good performance of myself though)
2024 update:
Moving from 150k in 2023 to 170k
Promotion within the same company
I just realized I was able to achieve a 88% growth from 2018 until today, fairly happy with it!
I guess this is in IT?
Nope - it’s within Treasury
A couple of years later I’ll add two charts on salary progression to further mess up things.
My favorite one first:
Favorite chart because in 2023 I definitely crossed the line of passive income being greater than active income.
Of course this can very easily be achieved by lowering your active income accordingly … 
… hence also the “absolute” numbers chart:
(all charts based on pre-tax numbers, though I suppose the charts would be congruent post tax as both income parts are taxed the same way)
Based on your previous posts, do I understand correctly that your passive income is based exclusively on the (high) dividends of the stocks you own?
Mostly right.
I don’t only hold stocks, I also own ETFs (including bond ETFs). In my tradable (non-retirement) accounts I hold about 1/4 ETFs and about 3/4 individual stocks. The top income generators are these:
(see for yourself here if you’re interested in the full list; the data is only accurate as of now, but not historically, as I haven’t entered transactions but only track current holdings in the tool [which then calculates past returns as if I had always held all my current holdings])
I’d also claim that I don’t only own “high” dividend stocks. My average return on the entire portfolio (including ETFs, at its current valuation) is “just” 4.27%. Looking just at my active stock picking portfolio the average return is 4.37% (again based on current valuation). Same league as US treasuries.
Thank you for sharing. This is very impressive, you must have put a lot of work into that. I believe this requires quite some time to manage such a portfolio and at this stage you could simply call it a day and live out of that passive income… May I ask how much time you spend per day or week to manage all that?
By the way that DivvyDiary website seems very useful to track exactly that type of portfolio. It must feel like pay day nearly everyday with all these dividends
This feels somewhat off topic, I hence replied on thread FI(RE), pulling the trigger likely in 2020: ~50, male, married, one kid - Share your story - Mustachian Post Community
