Back
Valerian Life
Load previous page…
wake up much more rested after a good 9h night of sleep and do morning walk and groceries
#life
check all EUR/USD/SGD/CHF deposits and make sure that they all together equal to 2x my target yearly passive income (not yet reached, WIP over the next years), as a protection against 2008-style fall of financial markets since a financial crisis make loads of stock miss dividends for up to a year, and rule of thumb is you need to have a cash cushion of 2x that to be able to keep lifestyle and honor any deferred taxes
#life
check all personal bank accounts to make sure all of them are at least 50% below 100k EUR ECB deposit protection threshold
#life
wire more EUR to DEGIRO from other bank accounts to buy more World ETF + Gold ETF and de-risk my EUR allocation
#life
transfer more EUR out of my French bank accounts to prevent against hypothetical bank runs in the coming days
#life
get bank transfer blocked by FR bank, possibly due to anti money laundering laws, this never happened when my bank account was in Germany — why so regulated
#life
move more EUR outside of my FR bank account to my World ETF cause of growing uncertainty in FR budget and impact it can have on Eurozone
#life
buy much more ETF units from my EUR cash cause if France cannot settle on a 2026 budget then it risks tanking EUR value, so better hold this value in a World ETF that's protected against regional crisis since it holds 3,600+ companies spread over the world, and anyways grows about 7% a year no matter what
#life
sell 115k USD on Wise, in anticipation for Fed rate cut and move them to my dividend World ETF, also provision EUR on an interest account for upcoming FR dividend extra tax that I cannot pay on my cash if I don't sell. If USD rate is low, then stock market tends to go high cause economy will be floating in too much money and thus holding cash do not make any sense
#life