Who the hell is Rico Pelli?

RIP, you there?

Cmon, it’s Sunday, I’m resting… one usually rests on Sunday!

But you’re not working since a month and half. What do you need to rest from?

Well.. parenting is tough. Then I’m… wait a minute, I’m a busy human being as busier these days than ever! What do you want?

Did you read the newspaper today?

Uhm… No, In didn’t.

Actually I never read “newspapers”. Do you mean some online article? Are you asking me if I follow the news? Yeah, sometimes, trying to detach a little bit. Wait, do you actually mean the paper newspaper? That thing you go to a… how are they called? Kiosks? You go there, give the newsagent (is still a profession?) a dollar or two for a piece of paper plus ink that will make your hands dark and nails black you can’t bite them anymore?

You should get the today Tagesanzeiger Sonntagszeitung. There’s this guy named Rico Pelli that…

What? A German newspaper? Do you know I don’t speak German very well? Yeah, I can read and speak like a 6 years old, but that’s all. Btw, why should I read today’s newspaper? Who the hell is Rico Pelli??

It’s a Swiss newspaper. Yeah, it’s written in German. Shame on you that after almost 6 years in German-speaking Switzerland you don’t speak German at all. By the way, this Rico Pelli is talking about FIRE on a pretty popular Swiss newspaper! And… it claims to own a website named ‘retire in progress’… I think I’ve been on that website sometimes…

Whaaat?? Who’s this Rico Pelli?? RIco Pelli… RI… Pe… RIP… hold the door!!

You got me 🙂

Yes, I’m so famous that journalists are fighting to have a chance to interview me.

No, it’s not true. Nobody gives a sheet 🙁

Luckily I have good blogger friends though. Both Sparkojote and Mustachianpost are featured in the same article 🙂 They have been interviewed too and they both suggested my name as another FIRE seeker that should be interviewed. Thanks guys! And thanks Denise, the journalist who put together the article about people seeking FIRE in Switzerland!

Well, of course they are in business and they need to sell. So it has to be clickbait-ish and the featured image is the usual “laid out on the beach, sipping a cocktail for the rest of your life”, which of course it’s not my goal, but it’s still cool!

Sadly, the online business model of the tagesenzeiger is pay-to-read, so the article is not freely available but you gotta pay 2 CHF to read it. How much am I earning of this 2 CHF? Let me check my contract… ZERO. I actually should pay to read it too. Well, I’m a software engineer and a cheap-ass, it took me 15.7 seconds to remove the paywall, the ads, the scripts and all the spam from the article source page and download it as PDF but hey… don’t do it! It should also be a ‘paper’ newspaper version of it, I figure it out when I’ll find energy to go for a walk later in the day 🙂

The article title is: “Mit 30 eine Million auf dem Konto“, which mean “by 30 with a million in the bank”, which is probably not talking about me. At 30 I was below 30k EUR, I didn’t even know how to write “tha million“. The original title (which is still in the article url) was “Für immer Feierabend” (“always on vacation” or “forever after work” you got it).

oh, the “Artikel zum Thema” (related article) features some friend of mine: Oli, the Frugalisten!

The article features me and few other FIRE bloggers in Switzerland without going too much deep into details but showing the basic concepts and the motivations. In the article I’m introduced as “Der Millionär in der Zweizimmerwohnung“, the millionaire in two rooms apartment. But I’m not millionaire (yet). Thanks Erdogan and Turkish Lira… For what Google Translate says I was able to understand, it looks like an awesome attempt to bring mass awareness about the topic we all FIRE bloggers care about: getting real haters!

Saying that FIRE seeker want to send bosses to “fuck off” and show the “middle finger” and then travelling and do nothing while living in a shitty apartment is a guaranteed way to get haters of every kind.

RIP, get a life! Move into a 5 rooms apartment and be nice, don’t send people to fuck off because you want to go on a beach, lazy cheap-ass!

Exactly, btw you’re missing the magic words. Please go on.

It can’t work for me (so I can keep complaining that there’s no escape from the hamster wheel)

Ja, genau! Now you’re relieved of any responsibility!

I’m a little bit scared though. So far I’m doing great without haters. The blog has its own niche audience of 2-300 regular readers and I’m ok with it. A newspaper exposure could bring a bunch of complainypants over here, let’s see.

But even if a single reader out of a hundred decided to go deep and actually follow up instead of judging by a headline or even a simplistic Sunday article, that would be a success for me.

In my opinion, Financial Independence is not a topic for everyone. For me it has been eye opening, mind blowing and life changing. When I discovered that there are alternatives to the regular grind “9 to 5 till age 65” I immediately started questioning whether or not I could/should/must do it.

But for many, accepting that there are alternatives means that grinding becomes a choice. Complaining is no more allowed, it’s your responsibility and your choice. So better to not accept alternatives exist and go call a lie those who try. And wish their failure, for their success would confirm a wrong theory. Seen this pattern on other blogs, almost all of them. More senior bloggers grew a thick skin, I didn’t yet.

Roberto Baggio Favaro forever in my heart <3

Anyway, the article is good but as you can imagine that’s not the full story. Denise contacted me asking if I were willing to have an interview. I replied “ok, sure, better via mail, ah and I blog anonymously as Mr RIP and I don’t want to share my real name”.

She made up RIco Pelli which looks like a fake Italian name from those old soccer videogames back when they didn’t want to pay trademarks. I like it, I might actually use here and there sometimes 🙂

RIP…

What?

I am Rico Pelli

Whaaat? How… I… I don’t… understand…

Yeah, I mean… I’m just an imaginary friend who sometimes interprets your consciousness,  sometimes your wisdom (or your lack thereof), sometimes I play the role of a newbye investor and sometimes I’m here just to mock you to show how self ironic you are… but anyway, you have your nickname, I demand one too.

No way, shut up! I’m Rico Pelli!

Ok, back to my interview. Denise sent me a bunch of interesting, deep questions and I took my time to answer them thoroughly. On the actual article went more or less 5% of my “raw material”, so I thought it would be useful to cut&paste here the whole thing.

Maybe I’ll discourage some hater…

Enjoy 🙂


Enter Denise, in green.

You will remain anonymous, but can you tell me something about you anyhow? Like your age, job, where you live (doesn’t have to be too specific, something like “near Bern” or so would be enough), in a room, an apartment, a house? If you have a partner or kids, are you an analytical person or more like a hippie, etc.?

You can find most of these information in my about me page on my blog [Editor (which is still RIP of course) note: which I should change to “about us”, I got a family now].

I’m an Italian 41 years old, software engineer for a non-Swiss tech giant. I live in “the German part of Switzerland” in a small 50sqm (2 rooms, not even 2.5) very cheap apartment.

I live there with my wife and my little 3 months old daughter [oh shit, she’ll be 4 months old in a couple of days. Time runs faster than expected!]. We will probably need to move at one point not far in the future, but we think for another year we can stay in our lovely cozy (and cheap) apartment.

According to a Gallup strengthsfinder test I’ve done at work I’m Analitical, Learner, Input, Futuristic and Woo (able to “win others out”, i.e. friendly and emphatic). According to Myers Briggs test I’m a ENTJ, which confirms all of he above. It seems I’m a mix of “geek” and “artist”. I do act in theater and do motivational talks to students. I have tons of non-tech passions. That’s also why I want to one day stop working so hard on a conventional 9to5 (sometimes 9to7) job in IT.

When and how/why did you come up with the idea for your project?

I don’t have strong memories of a “FI epiphany”. I grew up with my father teaching me a lot of good financial behaviors like “spend less than you earn” and frugal behaviors like “don’t get attached to the new shiny gadget, it won’t give you lasting happiness”. And It’s been a fortune, I’ve never ever had any financial problem. It’s a privilege to be able to aim at something like FI.

I started saving since I was a teenager (take a look at my story) and never stopped. I didn’t have a real goal. At the beginning it felt good to not depend on daily allowance – like my friends did – to buy things.

Then it was the ability to plan my vacations and big purchases (a car, a nice pair of shoes, a jacket), even though I rarely spent huge amounts on them.

Then, when I started working, motivation for saving was “wow, if I got fired today I can live 2, 3, 4… 20, 50 months without having to work!”

I saw money saved as a protection against loss of a job. Always worked with bad contracts while in Italy, no access to unemployment. The money I saved was my “unemployment insurance”

Then I started thinking that more than “unemployment insurance” my money could be my “courage fund”, i.e. I could take measured risks like quitting a job I didn’t like or go back to school and learn a new skill or start a company. I didn’t have to care about food on the table for X months thanks to my savings.

I guess around 2012-2013 I discovered that I could actually find a way to make my money work for me forever. I was not investing before then, and I didn’t start until January 2016.

I devoured hundreds of other personal finance resources like MrMoneyMustache, EarlyRetirementExtreme, TheSimpleDollar, GetRichSlowly and many more and I saw where I was headed.

I was already saving something like 70% of my take home pay, I only had to learn how to invest and keep saving and investing and I could be done before I turned 45, i.e. in 2022.

I think I got good enough at it that my forecasts say early 2020, with some courage even 2019.

Other bloggers told me that you are the one «FIRE»-person in Switzerland who is closest to be financially independent. Can you tell me the sum is that you need / want to earn until when and how much you have at the moment?

Everything is public on my blog. My latest financial update says I’m close to 1 Million Francs, and I may cross the 7 digits line this month or the next one, unless the market makes a U turn.

[Editor note: I tasted the million for a couple of days, now I’m back at 980k, thanks Turkish Lira…]

I’m working on my target number since it’s strongly dependent on where we will be retiring.

Our original plans were to go back to Italy, but the more we live in Switzerland (and the more we hear news from Italy and watch it sinks like the Titanic) the less we’re willing to return to our home country.

Original/Current FI Number is 1.2 Million Euro (we’re at 850k EUR ~= 980k CHF at end of July). It’s based on a 3.5% Safe Withdrawal Rate and 3500 EUR/Month ideal expenses.

1.2M EUR should be enough in Italy. Mind that this number underlies the following hypothesis:

  • we’ll never earn a dime in the rest of our lives (veeeery unlikely)
  • we won’t receive any inheritance (very unlikely)
  • we won’t receive any social security, like Swiss AHV or Italian Pensione (which seems unlikely. Even if I stopped working now, according to current laws in Switzerland I should receive something like 400 CHF/Mo starting at age 65)
  • the next 50 years will be worse than the worst 50 years since 1870, because our SWR of 3.5% is lower than the traditional 4% which held in the worst 30 years periods of financial history (I’d say it’s unlikely too).

So, as you can see I’m planning carefully and considering many safety margins.

And 3500 EUR/Month in Italy is a luxury salary, even in cities like Milano.

If we want to stay in Switzerland we need to redo some math. Right now we’re spending more than 60k CHF per year with growing outlook. If we upgrade our 1385 CHF/Mo apartment and send the baby to Krippe (and maybe have a second child) expenses will skyrocket in 80-100k Range which would require somewhere between 2M and 2.5M CHF. Which means working until 45 to be optimistic.

We’re in the process of deciding if we prefer comfort and stay here, working another 5 years at least, or freedom and quit within a year. I’m more on the freedom side, my wife is confused but she values comfort (not luxury, just being in a very nice place, kids friendly and with a vibrant social life) a lot.

How did you manage to earn/save so much money and how/where do you invest it? What is your trick?

Earning is a byproduct of getting skilled in something that is valuable.

I wanted to study math or physics, but I decided to jump on the Software Engineer bandwagon when it was clear it was going to be dominant.

Then I’m a lifelong learner, I spend – yes, today too, with a family and a job – at least 4 hours per day studying things I’m passionate about. Today it’s personal finance, astrophysics and philosophy, but 10-15 years ago it was software engineering. I bought and studied (and applied what I learnt) 20 books on coding quality, C++, design patterns, testing. I wrote a couple of videogames just to improve my skills in my freetime.

That naturally boosted my career. Job interviews were so easy, I got so many job offers I was able to choose.

Than after 5 years into my career I decided to take a break and work as an entrepreneur, teaching at university and freelancing. I got a lot of companies contacting me for C++ courses and some R&D project. I was earning a lot and never wanted to return to work for a regular company.

Until a friend of mine, that considered me to be a valid software engineer (never underestimate the importance of networking), referred me at my current company and my salary skyrocketed.
I now earn something like 200-250k CHF gross per year plus an incredible number of other benefits.

About investing, I didn’t want to “invest” a lot of time learning how to. Everybody seemed to suggest low cost index funds ( ETF) and it clicked with who I am. I started studying more and the more I study different investing strategies the more I think passive index investing is what works better right now.

I use Interactive Brokers as low cost brokers, and I invest 60% of my assets in stocks indexes funds (S&P500, STOXX600 EURO, Emerging Market, Pacific, High Dividend…) trying to diversify by geographical market, value vs growth, small vs large cap.

I invest 30% in bonds. 85% of it is in my extra mandatory pillar 2 and my pillar 3a, that I consider bond, the remaining 15% is split between high yield corporate bonds and Emerging Market government bonds.

I also invest 5% in a REIT (real estate) fund.

I don’t invest in: criptos, real estate properties, p2p lending, individual stocks, hedge funds, mutual funds, actively managed funds, roboadvisor and any other fancy thing.

Do you have to restrain yourself a lot (if yes, where exactly and what is especially hard for you)?

Not at all. I’m a minimalist. I’m frugal. And it’s not a sacrifice for me to be so.

I don’t like cars, I never owned one. I don’t wear fancy dresses. I don’t buy almost anything. I prefer my homemade pizza (which is very good, trust me!) to going to restaurants. The things I like don’t cost a dime, or are very cheap. I like reading, studying, writing, acting, hiking, running, playing boardgames, having fun with friends, talking about philosophy and experimenting new ways to explore my creativity and my curiosity.

I used to live with 500 EUR/month when I was alone in Italy. If I’m not spending half of what we’re currently spending it’s because I have a family.

My wife is not a luxurious person (we would not have been together for nearly 7 years if she were a spendypants) but it’s much less frugal than me.

I perceive forcing lower expenses would be a restraint for her.

I actually enjoy spending less, I have mental pleasure in being efficient with my money (or with my time, since money represents the time you prostituted away for it) and being sober and leaving a smaller footprint.

As a side effect spending less means needing less to reach FI and saving more, which means reaching FI faster.

If I really have to mention something I’d change if I had infinite money (so something in my spending pattern that is not optimal right now) is a bigger house. I’d love to have my own studio with a standing desk, a floor to ceiling bookshelf with my books and board games and maybe a meditation mat. I’d be able to explore my creativity and my curiosity much more. Just that 🙂

What is the main drive for you? What is your aim? Never to work again? To finally fulfill a certain dream? To lay on a hammock on the beach?

Nobody wants to spend the rest of their life hanging on a hammock on the beach 🙂

At least, nobody which is creative and skilled enough to build a system to not have to work again.

The goal is to be able to reach what is known as “Self Actualization” (do you know Maslow’s pyramid of needs?).

I mean find something that gives you purpose and do that with the necessary depth.

Going to work for someone else 8-10 hours per day, plus 2-3 hours to prepare/commute/lunch every day means give up on doing something you truly believe in, unless you’re so lucky to meet your needs at your current job, which appears to be very unlikely.

Even though I work at the best company in the world, with generous salary, free food, flexible hours and whatnot, I don’t find myself happy to do something which I don’t believe is purposeful. It’s a matter of opportunity cost, but instead of money we’re talking about time. Time is the scarcest resource we have. At one point “more money” will have a small marginal value (technically zero marginal value when you’re FI), while “more time” will never cease to have value.

So I’m glad I have the opportunity to work at my company and earn such a salary, but I’ll quit one day anyway.

What I’d actually do with my time? Well, right now I’m the mid of a 12 weeks Paternity leave (yes, my company gives us, new fathers, 12 weeks of paid paternity leave) and I don’t feel like I don’t have things to do. I’m writing more, reading more, doing more sport and thinking about new projects: a software startup idea, videogame development, writing a book, starting a podcast, learning how to become a standup comedian, preparing a personal finance course for high school students, becoming a financial advisor, becoming a career mentor. And spending time with my family, of course!

Give me days made of 40 hours and I’ll fill them with my projects.

To those who ask me “don’t you get bored?” I usually laugh so hard that they go away annoyed 😀

I talked to a financial expert: He told me, one of the hardest things when you are investing is to endure the years when you are losing money and your wealth isn’t increasing as expected but becoming smaller. He told me, many people do panic. Do you think you can handle that? Do you have a plan B?

That’s a good point. Everybody blogging about investing on the internet today never experienced a recession. Last one is now almost 10 years far in the past, which means another one might be behind the corner.

I’ve studied so many psychological advices on how to control the two most dangerous feelings: greed and fear.They’re both dangerous. Greed is when you “buy high” because everybody was buying. In my office everybody was getting crazy with Bitcoins last November/December. Result? Everybody joined the party when the BTC was worth 20k USD. Today it’s worth less than a third. I didn’t invest in BTC. “Be fearful when everybody else is greedy and be greedy when everybody else is fearful” (Warren Buffett). So I think I’m good at handling the greed.

With fear (like you said, enduring while losing money) I don’t know yet. The only experience I had was with investing a small amount of money (that at the time was all I had) in 2000, just before the DotCom bubble. I endured for two years… but then I sold everything at the rock bottom screaming “I’ll never invest in stocks again!” I learned the lesson the hard way. But I hope it was useful to my brain to handle next recession.

So far, since I started investing, we experienced twice a 10% “market correction” and I was not only able to not panic, I actually invested more money in the deep. Ok, it was a 10%, not a real recession (30+%).

So my plan is to train myself to not panic, and in the meantime lower stocks exposure a bit and rely on high yields assets like high yield dividends stocks and bonds. Entities who produce profits and dividends are less prone to drop 50% compared to growth stocks like Tech and Finance.

To you talk to other people (like friends and family) about your project or do you keep that to yourself? Why?

I talk to my close friends, my wife, my father, and to whomever finds me (other bloggers and even colleagues).

I avoid talking to my relatives and some of my friends and to strangers (that’s why I blog anonymously).

The line is: if you can relate to me, understand me and not get offended or jealous or envy it’s ok I disclose my plans to you. Bonus: if I think you can get inspired and in search of “alternatives to regular 9to5 life” then I’d go into details 😉

I love to find like minded people who share values with me. Who have creative endeavors they want to work on and are not corporate drones. Who value their time and don’t care about cars and soccer and expensive shit. I love to be able to inspire someone in similar situation to take steps toward freedom. And many told me I helped them taking first steps. That’s more fulfilling than six years of achievement at my job.

I don’t care much about judgement, I care about negative effect on relationships: a friend earning 1000 Eur/month in Italy could get offended by my numbers, even though he wears more expensive clothes than me, lives in a 4 rooms apartment and owns a car, a dishwasher and a washing machine – which I don’t.

I also care about privacy and safety on the internet. Putting my name on my blog means someone with bad intentions might think it’s a good idea to visit my apartment while I’m on vacation, even though I own so few resellable items that the thief would be disappointed 🙂

I heard about frugal bloggers, who got threats. Therefore, many frugal bloggers choose to stay anonymous. Why do people sometimes react in a negative way even though I’m sure many would love to live financially independent as well? Is it envy or something else?

I guess I somehow answered previously.

Anyway, the problem is: no matter how good your intentions are, you’ll always attract haters. Even the Pope and the Dalai Lama have haters!

You may be liked by 95% of people who read your posts (posts that nobody is paying you to write, posts that you’re putting the effort to write with the only hope to be useful, earning zero from them, asking zero to your readers) and hated by the remaining 5%. And it’s ok, whatever you do you’l have haters. The problem is that you’d be giving the haters easy tools to destroy your life. When you talk about finances and – like I do – disclose actual numbers (income, spending, savings, investing) you become vulnerable. Our society seems to treat finance as a giant taboo. I never did, I was always transparent with everybody before earning a lot of money. Now that I perceive some risks, but still want to be transparent to be informative and useful, I prefer to attach a pseudonym identity yo my public persona.

With readers and other bloggers who found me and asked to meet me I of course disclosed my identity 🙂

I just don’t want someone to search my name on the internet and find my blog and vice versa.

MP is more terrified and tells about his blog to no one. He told me I’m the second or third person to know his identity 🙂

I think there are about ~100 people I know who know my real name.


That’s all for today 🙂

17 comments

  1. hi mr RIP!

    thanks for all the precious info about FIRE you share!

    I am just wondering…

    Do you (guys that are pursuing FIRE) have a list of countries where is it possible to implement FIRE? especially in Europe?

    I mean we all know that FIRE was born in the US because there people have very high income and scheme such as 401k which allow no-tax pension harvesting… unfortunately… in MOST of the other countries this is NOT possible because there is no purchasing power 🙁

    For instance, I know European people pursuing FIRE in Denmark, Switzerland and other Nordic countries but no one from Southern or Eastern Europe…

    Do you know where I can find a list of country where FIRE is possible?

    many thanks! (I am trying to find my target country to move in!)

    1. Hi Guido, I have this ambitious idea of starting a post series (maybe guest post from other bloggers on my blog) named “Early Retirement In…” with as many European Countries as I can find people expert in.
      The goal, on my side, is to come up with all the aspects that need to be elaborated for each country.
      Mind that “pensions” don’t even matter much, since we’re mostly investors and hustlers. The impact of “how pension system works in country X” is not a huge factor.
      Factors I’m considering are: Health costs, Cost of living, dividend Taxes, capital gain taxes, property taxes, other bullshit like fixed costs even if you’re not employed (Pillar 1 payments in Switzerland) and maybe some expat information (Visa, fiscal situation for being an expat in country X…)
      Maybe it’s worth also adding the “accumulation” factors: average salary, pension contributions, income tax rates, investments opportunities, property taxes, dividend taxes…

      It’s in my TODO list 🙂

  2. I legit laughed out loud when I read you removed the paywall… and then again with the FIFA ’94 reference.

    Congrats on getting interviewed! Don’t worry, the day will come when FI is not associated with laying on the beach 🙂

  3. WOW WOW WOW this guy knows his shit. How the hell i did i learn about your blog only now. Very personal, inspirational and funny writing style, like it.
    Most people from german speaking countries who write/talk about FI & Investing seem to be young and miles away from FI, sometimes with dubious methods to get there. Very cool to get to know someone (only virtual) who has a great job, is earning really good money (even for swiss standard) and is already close to financial independence.
    I am in a similar situation, i am 36 now, i did never spend much money (naturally frugal), but only started to really earn money with 30. Now i am between 500K and 1M and starting to think about quitting my job.
    Greetings from Zurich and best wishes to you and your family, Paul

  4. Very impressive and motivating!
    I enjoyed the writing and admired the content 🙂

    I was mostly impressed by your 4 hours studying per day. I’ struggle a lot with finding the energy for even a fraction of that next to my job. I assume also you do work quite a lot on a mentaly demanding job. How do you do it?

    PS. First time I saw somebody describing himself with personality tests. Very insightful 😉 By the way did you ever do a test to find your orientation on the big 5 personality traits?

    1. Hi a2ithaka (how to pronounce?), welcome to retire in progress 🙂
      I do my 4+ hours of learning by reading blogs, watching youtube videos, listening to podcasts and reading books whenever I have even a second. Take a look at Ryan Holiday suggestions on how to read more. It’s focused on reading physical books but it translates well to other learning surfaces.

      Yeah, it sounds weird to me too to have used personality tests to describe myself… it’s not a thing I usually do 😀 And no, I didn’t take the 5 personality traits test, which apparently is the one that has slightly bigger scientific foundation (according to Nat Eliason)

  5. Hi Mr.RIP!
    Fellow Italian and long time lurker here!
    I have been reading your blog since last year and I really appreciate your writing style, your humor and your transparency.
    I especially like your blog because it is by an Italian, even if you live and work in Switzerland. I read a lot of FI blogs but yours is the closest to my world. Actually, my life is totally non relatable to yours because of the “slightly” different income and the fact that I have zero investments… I know FI is probably out of the question for me (I’m 44 already) but I still dream of being able to at least improve my situation (changing field of work, working less…) And I would love to hear the opinion of someone who is both knowledgeable in the personal finance field and can understand the peculiarities of living and working in Italy.
    I have no blog, I’d love to but being realistic I would not have time to dedicate to it now. I’d still love to get in contact with someone like you or other PF bloggers because I am right in the thick of a mid-life crisis 😛 and I have no one to talk to and ask opinions that would understand me. Even my husband would not be as supportive I think.
    I know you are going to the seaside soon and probably have better things to do, but if you feel like it, maybe you could help me at least clarify what I can do with my life? (ahahaha I know it is a question you are trying to answer for yourself, so maybe it’s a bit too much to ask 😛 )
    In any case thank you for your always interesting and entertaining posts, keep up the good job!!
    Sabrina

    1. Hi Sabrina, welcome to retire in progress 🙂
      Thank you for your kind words, I’d be happy to help somehow with your personal situation. Feel free to write me privately (in Italian) and I’ll do my best to help.
      Let’s start by saying… 44yo with zero invested it’s not a good starting point, but better today than tomorrow 🙂

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