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The journey to financial freedom

Six steps, in the order you live them: first the way you think, then protection and first incomes, then investing and, finally, scaling up. Read in order or jump to the step you have reached.

Follow the arrows: each tile leads to the next, left to right and then onto the next row.

  1. 1Starting point Reaching financial independence when starting from zero The big map, from the first euro saved to passive income. 5 min read
  2. 2Starting point Calculate your financial freedom number How much, and in how many years? Run the numbers with your own figures. 3 min read
  3. 3Step 1: Change your mindset The limits of pay-as-you-go pensions Fewer workers per pensioner, 45% of salary replaced: why to top up now. 6 min read
  4. 4Step 1: Change your mindset Know yourself to invest and do business better Your values, your attitude to risk and your emotions decide which strategy suits you. 4 min read
  5. 5Step 1: Change your mindset The psychological biases that cost you money FOMO, overconfidence, loss aversion: the mental traps and how to beat them. 3 min read
  6. 6Step 2: Learn and build your circle The essential books on money and investing Graham, Housel, Clason, Bogle: an annotated library to keep improving. 3 min read
  7. 7Step 2: Learn and build your circle Robert Kiyosaki and ‘Rich Dad Poor Dad’: what to keep Assets versus liabilities, the cash flow quadrant, and the criticism to know. 4 min read
  8. 8Step 2: Learn and build your circle Napoleon Hill: ‘Think and Grow Rich’ without the legend Definite desire, persistence, the mastermind, and what history says about the author. 3 min read
  9. 9Step 2: Learn and build your circle The Cashflow game: learning finance by playing Get out of the rat race on a board before doing it in real life. 4 min read
  10. 10Step 2: Learn and build your circle Surround yourself with successful people who share your goals Mastermind, mentor, investor clubs: choosing your circle methodically. 4 min read
  11. 11Step 2: Learn and build your circle Rotary, Lions, Freemasons…: what are the differences? Service clubs, lodges and business networks: aims, joining, and what to expect. 9 min read
  12. 12Step 2: Learn and build your circle Money and mindset seminars: how to choose Le Club, The Mind, Les Clés du Succès, Tony Robbins…: compare before you sign up. 6 min read
  13. 13Step 3: Protect yourself Budget and emergency fund: the step-by-step method The 50/30/20 rule, the 6 jars method, automatic saving and a safety cushion. 3 min read
  14. 14Step 3: Protect yourself Insurance: protecting your financial freedom plan Income protection, mortgage cover, liability: what really protects you. 3 min read
  15. 15Step 3: Protect yourself Financial scams: spot them before it is too late Fake platforms, WhatsApp groups, guaranteed returns: the warning signs. 5 min read
  16. 16Step 3: Protect yourself MWR Life and pyramid schemes: understand before you join Multi-level marketing or pyramid? How it works, the law and the published facts. 5 min read
  17. 17Step 3: Protect yourself Cloud mining and trading bots: the automatic-returns trap Guaranteed returns ‘without doing anything’: how to spot these offers. 3 min read
  18. 18Step 4: First side incomes Selling your know-how: courses, ebooks, consulting, a small online business Courses, ebooks, consulting, online shop: what really pays. 3 min read
  19. 19Step 4: First side incomes Using artificial intelligence to create extra income Save time, sell a service, automate: practical and honest uses. 3 min read
  20. 20Step 4: First side incomes Short-term rentals (Airbnb, Booking): rules, returns, tax Registration, permits, VAT, tax: renting short-term by the rules. 4 min read
  21. 21Step 4: First side incomes Solar panels: an income, or rather a saving? The end of net metering: everything depends on self-consumption. 3 min read
  22. 22Step 4: First side incomes Helium mining (HNT): does a hotspot still pay? IoT and Mobile hotspots, halving, real returns: the 2026 figures. 4 min read
  23. 23Step 4: First side incomes Ambios: earning tokens by measuring air quality An air quality sensor at home, paid in tokens: promise and risks. 3 min read
  24. 24Step 4: First side incomes ThreeFold: hosting a node of a decentralised internet Renting your server's capacity to a decentralised internet: TFT, SPORE and Mycelium. 4 min read
  25. 25Step 4: First side incomes Bitcoin mining: profitable at home? ASICs, hashprice, electricity: why the price per kWh decides everything. 4 min read
  26. 26Step 5: Invest Crypto and stocks: investing without getting burned ETFs, stocks, bitcoin and Belgium's new capital gains tax. 5 min read
  27. 27Step 5: Invest Crypto yield with Nexo: how it works and the risks Interest on your crypto: where the yield comes from, what ‘up to’ hides, and the risks. 7 min read
  28. 28Step 5: Invest REITs: investing in real estate on the stock market Real estate without tenants or renovations, from a few tens of euros. 3 min read
  29. 29Step 5: Invest Crowdfunding and crowdlending: lending to projects Lending to developers and SMEs: returns, defaults, tax. 3 min read
  30. 30Step 5: Invest Gold and precious metals in your wealth Insurance for your wealth, not a source of returns. 3 min read
  31. 31Step 5: Invest Borrowing: types of loans, conditions and banks The types of loans, their terms and conditions, and the banks that offer them. 9 min read
  32. 32Step 5: Invest Real estate: buy to let Calculate a real yield, choose the type of rental, avoid the pitfalls. 5 min read
  33. 33Step 5: Invest Real estate: buy to sell (flipping) Buy below value, renovate, resell: calculate the real net margin. 4 min read
  34. 34Step 6: Scale up Investing through a company or as an individual? Salary, dividends, VVPRbis, liquidation reserve: the 2026 rules. 3 min read
  35. 35Step 6: Scale up Tax simulator: what is left of your turnover? VAT, corporate tax, contributions, personal tax: how much is really left? Interactive tool
  36. 36Step 6: Scale up Investment and subsidies Grants, tax deductions and subsidised loans: getting them without losing them. 6 min read
  37. 37Step 6: Scale up Buying a business through an LBO Holding company, acquisition debt, equity: buying an SME with leverage. 5 min read
  38. 38Step 6: Scale up Living off your capital: withdrawing without running out The 4% rule in practice: cash buffer, order of sales, bad years. 3 min read
  39. 39Step 6: Scale up Living off your income abroad Cost of living, tax residence, healthcare, pension: moving without surprises. 3 min read
  40. 40Step 6: Scale up Passing on your wealth: gifts and inheritance Gifts, inheritance, split ownership: the rules by region. 3 min read