If you spend your money, you will never get it back. If you invest your money, you can spend what you earn with it again and again. #frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #btc #bitcoin #investing #savingandinvesting

1️⃣ If you understand money, you invest. 2️⃣ If you understand #bitcoin , you bitcoin. 🫂 It is also fine if you don't. You can still learn it. People of nostr are so kind to help you out. Just ask something with #asknostr hashtag and you will be helped. Have great afternoon! #frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #btc #value4value

Investing is like a marriage, you have to be willing to put in the hard work and ride out the market’s ups and downs to enjoy honeymoon days. #frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #joke #jokestr #investing

#frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving

"If it is to be, It is up to me." #WilliamJohnsen #quotes #quotestr #grownostr #plebchain #nostr

Our earned money is basically our invested time, that we will never get back. The time we spend working, we don't spend with family, friends, hiking, travelling, etc... But we need money to eat somewhere, to live somewhere, for our basic needs, not even mentioning our non-basic needs. So at the end, life is a balancing act between earning and spending. But we have a way to gradually increase our earning, without increasing our working time, or decrease our working time without decreasing our earnings. This is #saving&investing When we invest our earned income, instead of spending, we can get a yield for it. This yield could be considered as our extra income. And the more we invest, the more yield we will get. If we save enough money, the yield of our investments can replace our original income, and we can stop working. Disclaimer: this is only a basic idea. This is more nuanced than explained. #frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving

If you want to have a great life, you have to: 1️⃣ be able to take uncomfortable discussions, 2️⃣ make hard decisions, 3️⃣ take responsibility 4️⃣ stop making everyone happy Otherwise, 1️⃣ you will be forced to stay in toxic relationships, forced to do things you don't want, 2️⃣ others will make decisions instead of you, that fits them better, than you, 3️⃣ you won't be able to change things to be at a better position, because you have no responsibility, 4️⃣ you will try to make everyone happy, but yourself, and live a miserable and unhappy life #frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #btc

Good morning! ☕️⚡️ Monday coffee boost ☕️ to a lovely 💜 week! #earnmore Earning more starts with hard work, and providing value. The more value you provide, the more you can expect in return.

#frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #meme

Do, Fail, Learn, Repeat! #grownostr #motivation #plebchain #coffeechain #btc

☕️☕️ Financial independence and retire early is just 1️⃣ living below your means and 2️⃣ investing your saved money into things that earn you a certain yield. If it is an Index Fund, #BTC, dividend ETFs or anything else, it does not matter. It is "just" your vehicle to financial independence. Never lose sight of the real goal! And be open to be proven wrong, and course correct along the way. #frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #coffeechain #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #bitcoin #etf #indexfund #valueforvalue #value4value

"Those who have to buy something to show they can afford it, They won't be able to afford anything." #frugaltip #frugalism #frugal #minimalism #minimal #mininalistic #grownostr #nostr #coffee #plebchain #coffeechain #thenostr #fire #financialindependence #lifestyle #savemoney #moneysaving #retireearly #btc #value4value

Good morning! ☕️ Who needs to hear this? #earnmore Concentrate on giving value, and learning instead of your paycheck. The more value you give, the more negotiation "ammunition" you will have. If you don't get high raises in your current company, you can bring this "ammunition" to your new job negotiations. The more you know (more you learned), the more responsibility you can take, that also translates to higher salary. Also the more you know, the more value you can provide, see above point why it is important. Have a great day! 🫂💜 #frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #btc #earn #learn #study #value4value

Don't invest more than you can afford to lose. I think it is important to reiterate on it. #frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving

Have an emergency fund! Investing is a risky business. If you are investing in stocks, ETFs, #btc or in anything that has a variable price, you cannot afford to be forced to sell. Why? If you are forced to sell because you need money immediately for something important (e.g. emergency), then you might have to sell with a loss. This means you would have been better without investing. To circumvent this, emergency fund or FU money comes in handy. Emergency fund is money that you keep for emergency cases. Could be also called FU money, to imply that you can quit at your current job, because you can live for a few month without a job. Rule of thumbs: 1️⃣ Keep that money in something liquid. You shall be able to use it any time, and the best is if it does not lose to much value because of inflation. 2️⃣ Keep at least 3-6 monthly costs in it. Should depend on your risk tolerance, and how easy it is for you to find a new job. The harder it is, the more you shall save. Summary: 1️⃣ If you want to invest, put together an emergency fund before, because you never know. 2️⃣ Save in it at least 3-6 months monthly costs of yours. #frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving

Good morning! ☕️ It's already the weekend! Great time time to spend some hours on finding a #sidehustle Benefits: 1️⃣ You won't depend on 1 income stream 2️⃣ You can save more 3️⃣ You can turn something fun into income Also you can say, that you save from your main income, and the money you earn from your sidehustle, you will spend on travelling or on other fun things as pre-retirement fun. #frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving

#earnmore Do a sidehustle. It is a nice way to 1️⃣ earn extra income, 2️⃣ to start a business in small, or 3️⃣ to get paid for providing value not your time. Also it is a low risk way if you want to eventually have your own business. #frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #sidehustle #bitcoin #btc

#asknostr What content do you most enjoy on nostr?

If you want financial independence faster, you have to 1️⃣ #spendless 2️⃣ #earnmore I will post with the above hashtags lists with tips for easier searchability. #spendless 1️⃣ Decide on a fix monthly percentage to save 2️⃣ Have monthly grocery budget 3️⃣ Have only 1 streaming subscription per month 4️⃣ Cook at home / #mealprep 5️⃣ Have "fun budget" per month 6️⃣ Minimize your recurring cost as much as possible 7️⃣ Don't drink in Starbucks, or other fancy coffee places often 8️⃣ DIY the most things 9️⃣ Library over bookshop 1️⃣0️⃣ Look for free or cheap hobbies (hiking, walking, free museums, etc) 1️⃣1️⃣ Wait few days before buying more expensive items 1️⃣2️⃣ Borrow from friends instead of buying What else would you add? #frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #retireearly

Good morning! ☕️ Weekend is almost here! Have a wonderful day! 🔥🫂 #grownostr #nostr #coffee #plebchain #coffeechain