Thank you! Yes, I’m going to enjoy the last 3 months I have left 
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Congratulations 
Just finished my Apprenticeship last year and you managed to save significantly more than me in 4 years, you’re really ahead of the game.
I’d say just keep buying VT until you have a better idea of what you want to do with this money in the future. I understand the part of not seeing movement on your finances. But just ignore the noise.
Keep it up and glad to see more young people on the forum.
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Congrats and well done on thinking about FI and future so early!
Just don’t forget to also live and enjoy your young years (10s and 20s 
) along the way; there will be plenty of opportunities to save and invest later.
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I agree with you 100%. I tend to forget to enjoy my money and my youth. I tend to regret when I spend my money, thinking that I could have saved it for something more important.
So I don’t spend my money much because I don’t know what to spend it on that I wouldn’t regret (except for motorbikes, which go very quickly). The only time I spend my money without “feeling guilty” is when I give gifts to my loved ones.
I’ve been trying for some time to spend my money more on memories than on material things.
What do you think about it? Should I “force” myself to buy things? Or should I continue to save a lot?
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As probably a lot of things in life, it is all about balance.
On one end of the scale, one could work today and “live” later. On the other end, one could live today and care about tomorrow when it comes. The right thing to do is somewhere in the middle and it is for you to decide on your balance.
One thing I like to remind myself on my FIRE journey: in my view there is no point to die with money on my bank account or invested or in a property.
Save for a goal (even if still abstract, like FI) but don’t save for the sake of it and don’t forget to enjoy your life along the way, which sometimes we are reminded can be tragically much shorter than expected.
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Live to the max now and invest later when your salary grows
Advice might not apply to everyone but from what you have written you have a passion and self-discipline towards work and investing
Thank you very much for your thoughts and advice. It makes me think, and it’s true that there’s no point in being the richest man in the cemetery without having been able to enjoy it. I will try to find that balance
Thanks for your advice! What really gets me going is the motorbike, which is very expensive. It’s one of my motivations for financial independence. To be able to take holidays and discover the world on a motorbike, or even to allow myself some days on a circuit.
Thank you for all your advice!
Can you share the tool of the spreadsheet what you use for these nice graphs? Of course without your personal data. Thanks
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My advice is: No, do not force yourself to buy things. The urge to buy consumer goods is artificial, and is instilled in us through brainwashing (aka marketing). If you get all the enjoyment you need from riding motorbikes, then stick to motorbikes and leave the consumer goods alone. Save your money for real valuables (e.g. property, stocks).
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It’s Excel / Google Sheets
I think it is a mindset thing: if you have the mindset that you are missing out on something, you can buy goods for all your money, or travel the whole world, later you will look back and say you did not enjoy life enough. But that is because the media markets to us that consumption is the only way to happiness. Probably the only way to happiness is to be happy with yourself. So don’t judge too hard yourself. If you want a new motorbike, work for it, earn it, enjoy it. But just buying or traveling will not make you happy later. It will be the same you:).
Good job that you focus on financial so young!
I would try to work on my income, so you start to earn more and more, but patience is key. Until you don’t have the necessary skills, focus more on learning than earning
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Of course, it’s Google Sheet. I used to use Excel but since I discovered google Sheet I much prefer it.
Thank you for your wisdom! It’s great to get all these different opinions that help me a lot
Honestly, I currently feel like I’m missing something. But that’s due (I guess) to the fact that I’m abroad - my family, friends, hobbies, and passion are in Switzerland.
Plus the weather is really bad in Ireland! It plays a lot on the mood ahah
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Just a heads-up: Many big Swiss banks don’t allow investment accounts at other institutions. How legal that is, I don’t know. But it seems you are increasingly reliant on being able to work at a bank to monetize your professional skills.
In my bank I am allowed to invest with another broker. I just have to notify the bank and not trade my bank’s stock during certain periods.
Great start if the FI journey! And thanks for sharing!
It looks like you’re already debtfree and have an emergency fund. Personally, I wouldn’t take it much futher for now.
Once the “real” salaries come rolling in, avoid lifestyle inflation and continue the FI journey up the ladder. Avoid costly mistakes along the way (easier said that done!) and set your priorities right when it comes to having a relationship and kid(s). FI itself is a cool goal but there are more important things in life.
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Hi, and welcome to this infinite but fascinating world!
Your background seems to me to be quite good, your way of thinking and your discipline are allies that will be very useful to you when your real salary arrives.
Perhaps one piece of advice that has helped me personally and that I wish someone had told me when I was 20: set ambitious goals and do what it takes to stick to them.
There are enough reasons to spend money, but at your age I think it’s more important to enjoy life and learn as much as possible without having to deprive yourself. I think it’s important to have a goal that makes you want to go beyond and have a reward in sight.
It could be putting aside some money to finance (in cash!) your next motorcycle or a car you like. It could be saving up to buy an apartment in Switzerland. There are as many goals as there are possibilities.
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Which bank is that if I may ask ? I am considering a job change…