If you read this post, chances that you are a software developer who is seeking financial advice for smart money-saving or investment or early retirement.

如果您閱讀此文章，則您很可能是一名軟件開發人員，正在為精明的省錢或投資或提早退休尋求財務建議。

📝在本文中： (📝 In this article:)

1. Why is it for software developers first
   為什么首先為軟件開發人員
2. The sad truth about the retirement
   關于退休的可悲事實
3. My finance knowledge so far
   到目前為止我的財務知識
4. Mythos about the investments
   關于投資的神話
5. What’s next?
   下一步是什么？

💻為什么首先為軟件開發人員 (💻 Why is it for software developers first)

Because developers are lucky at some point, we are flexible. Moreover, developers love creating their own tools. So we can generate a passive income that could support us over time!

因為開發人員在某些時候很幸運，所以我們很靈活。 此外，開發人員喜歡創建自己的工具。 因此，我們可以產生被動的收入，隨著時間的推移可以為我們提供支持！

If we wish, we could:

如果我們愿意，我們可以：

• Get a very high paying job
  獲得高薪工作
• Work remotely and live in a city that is not that expensive and save more money
  遠程工作并生活在一個不那么昂貴的城市，并節省更多的錢
• Develop side projects along with passive income
  與被動收入一起開發副項目

That’s why it’s necessary to achieve Financial Independence (FI) that can make your life better. At least, it can help us not continually thinking about paying bills, and we will stop live in a world of scarcity.

這就是為什么有必要實現財務獨立(FI)來改善您的生活。 至少，它可以幫助我們不再繼續考慮支付賬單，并且我們將停止生活在稀缺的世界中。

“Never depend on a single income, make an investment to create a second source.” — Warren Buffett

“從不依靠單一收入，而進行投資以創造第二個來源。” - 沃倫·巴菲特

about關于退休的可悲事實 (🥺 The sad truth about the retirement)

Years ago, I moved to Germany. Lately, I had to request a pension notice to get a german permanent residence permit. Looking at my pension notice at that time, I sadly realized that the small amount that my later pension should be at my 70 is not enough to live on — it will be enough to survive.

多年前，我移居德國。 最近，我不得不要求退休金通知才能獲得德國永久居留證。 看著當時的退休金通知，我可悲地意識到，我后來的退休金應該是70歲那筆小數目，不足以維持生計，足以生存。

Since that day, I started…

從那天開始，我開始...

• Feeling anxious about the future, retirement, and old-age poverty
  對未來，退休和老年貧困感到焦慮
• Thinking about wealth accumulation with securities
  關于證券積累財富的思考
• Learning how to invest money
  學習如何投資
• Building passive side income
  建立被動的副業收入

The retirement system in Germany seems like a scam to me. It means that the working generation pays with their social contributions to the pensions of the retired generation. If you want to learn more about the German retirement system that is similar to most European countries, check this link out.

在德國，退休制度對我來說似乎是一個騙局。 這意味著工作一代用其社會繳款支付退休一代的養老金。 如果您想了解更多關于與大多數歐洲國家類似的德國退休制度的信息，請查看此鏈接 。

In short, there are around 2 active workers per retiree in developed countries because of the relation between the low birth rate and the high aging population rate.

簡而言之，由于低出生率和高人口老齡化之間的關系，發達國家每個退休人員大約有2名在職工人。

Along the time, this ratio, the number of active contributors per rentee supposedly is decreasing dramatically.

隨著時間的流逝，這個比例，每個承租人的活躍貢獻者的數量據認為正在急劇下降。

?? There is no guarantee that the retirement system will still maintain and pay off the same percentage of money according to the 2020 pension rate.

There?無法保證退休制度仍然會按照2020年退休金率維持并還清相同百分比的錢。

??There is no guarantee that it will be the same in 10–20–30–40 years when I get old-aged.

??不能保證我年老時在10–20–30–40年內會一樣。

I am 100% sure I cannot rely on it.

我100％確信我不能依靠它。

far到目前為止我的財務知識 (📊 My finance knowledge so far)

My personal starting shot for financial independence came in the last months after I got my permanent residence permit in Germany and quit my job to start working for myself.

我個人在財務上的獨立出發點是在我獲得德國永久居留許可并辭職開始為自己工作之后的最后幾個月。

Learning how to invest money might seem scary, especially if you get started when the market is experiencing a crash. Still, it’s easier than you think, and you can begin no matter how much you have saved before.

學習如何進行投資似乎很令人恐懼，尤其是當市場崩潰時開始學習時。 不過，它比您想像的要容易，并且無論您之前保存了多少，都可以開始。

Here are my top-15 tips on how to free extra monthly cash from your dev-salary for investment.

這是我的前15條技巧，說明如何從開發人員的工資中釋放額外的每月現金進行投資。

What I have learned since then is enormous:

從那時起我學到了很多：

• Read lots of books and articles on finance and investments
  閱讀大量有關金融和投資的書籍和文章
• Listened to podcasts on financial independence topics
  收聽有關財務獨立性主題的播客
• Watched many hours of videos
  觀看了許多小時的視頻
• Took control over my finances: no credits, no consumer debts
  掌控我的財務：無信用，無消費者債務
• Opened security accounts by different brokers and banks to start my investing journey
  由不同的經紀人和銀行開設的安全賬戶開始我的投資旅程
• Developed my investment strategies for the index funds and single stock-buying
  為指數基金和單一股票購買制定了我的投資策略
• Even started taking a degree course at the one of the top-ranking business school 🤭
  甚至開始在一流的商學院之一中攻讀學位課程🤭

What am I learning now:

我現在在學什么：

• More about REITs
  有關房地產投資信托的更多信息
• More about investing in active fonds
  有關投資活躍人士的更多信息

tho關于投資的神話 (💭 Mythos about the investments)

Myth #1 You should be a math genius

誤解1：你應該是一個數學天才

The truth is that you shouldn’t be one to be successful in the stock exchange market. It’s an absolute fallacy, and I am living proof of this. I know the maths, but I am not a math genius.

事實是，您不應該成為在證券交易市場上成功的人。 這是絕對的謬論，而我對此有充分的證明。 我知道數學，但我不是數學天才。

Myth #2 You should have significant capital to start

誤區2：您應該有足夠的資金開始

You can start even at 25$. Moreover, I would recommend you to start with a small amount of money to invest. First, to understand how the exchange market works, its dynamics. Secondly, to learn how to read key numbers, charts, and understand stock performance. So later, you can invest a more considerable amount of money more confidently.

您甚至可以從25美元開始。 此外，我建議您先從少量資金開始投資。 首先，要了解交易所市場的運作方式及其動態。 其次，學習如何閱讀關鍵數字，圖表以及了解股票表現。 因此，以后您可以更加自信地投資更多的資金。

Myth #3 You can do it only from a developed country

誤區三：您只能在發達國家中做到這一點

Completely wrong! As I mentioned before, I am originally from the East-European country, where there is no opportunity to open a security account for investment into the stocks of the developed countries at the national/country banks. There are still a few working international brokers in my home country that grant this opportunity for the residents.

完全錯了！ 如前所述，我最初來自東歐國家，那里沒有機會在國家/國家銀行開設證券賬戶來投資發達國家的股票。 在我的祖國中，仍然有一些在職的國際經紀人為居民提供這一機會。

Basically, you can start investing almost from anywhere!

基本上，您幾乎可以從任何地方開始投資！

next接下來是什么？ (🚀 What’s next?)

I am still learning a lot about active and passive investments because my goal is to become financially independent:

我仍在學習有關主動和被動投資的很多知識，因為我的目標是實現財務獨立：

I firmly believe, if you learned how to code, you could learn how to achieve financial independence.

我堅信，如果您學習了編碼，就可以學習如何實現財務獨立。

Most developers have well-paid jobs, live free of debt, and can start investing today.

大多數開發商擁有高薪工作，沒有債務，可以立即開始投資。

All of us have our dream-life, and it’s in our power to start to live it much earlier before the retirement comes along.

我們所有人都有自己的夢想生活，并且有能力在退休之前更早地開始生活。

There is a lot of information about wealth building on the Internet, but minimum practical advice and strategies for doing that on the exchange market in real. There are not many step-by-step guides, e.g., on how to analyze specific stocks to make the right buy/hold/sell stock decision.

互聯網上有很多有關財富積累的信息，但實際上在外匯市場上卻很少有實用的建議和策略。 分步指南并不多，例如，有關如何分析特定股票以做出正確的購買/持有/出售股票決策的指南。

For that reason, I decided to post more about my financial independence learning journey: financial strategies I practice, the resources I learn from, scripts, and automated tools I implement to execute these strategies efficiently and manage my finances.

因此，我決定發布更多有關我的財務獨立學習歷程的信息：我練習的財務策略，從中學習的資源，腳本以及為有效執行這些策略和管理財務而實施的自動化工具。

You are welcome to join me on this journey too via my weekly newsletter or RSS. Let us accumulate wealth and become financially independent together!

也歡迎您通過我的每周時事通訊或RSS加入我的旅程。 讓我們一起積累財富，并在財務上變得獨立！

I remember myself when I began, I knew almost nothing about the finances! I was lucky to have saved money to start and experiment.

我記得自己剛開始的時候，對財務幾乎一無所知！ 我很幸運地省了錢來開始和嘗試。

Disclaimer: I am not a Financial Manager, I am not an Expert in Finance. Through my articles, I will share how I am figuring this all out.

免責聲明：我不是財務經理，也不是財務專家。 通過我的文章，我將分享我如何全力以赴。

Live your best life, Ilona

度過美好的生活，伊洛娜