Tom Crosshill

Based on your age, this is how much you should put aside for retirement every month.

Most people overcomplicate stock investing.

They chase hot tips, jump in and out of positions, and try to outsmart a market that’s already being analyzed by millions of professionals with far more time, data, and resources.

The irony is that this constant activity often leads to worse results.

A low-cost, diversified ETF strategy takes the opposite approach.

Instead of trying to beat the market through prediction, you simply own the whole market.
A simple way to beat most financial experts.

This could be more important than your investment strategy.

This is what I'm doing to benefit from the upcoming stock market crash.

The smartest way to invest isn’t chasing trends or copying others - it’s building a strategy that fits your income level and grows with your financial reality.

Getting to your first €100k becomes a lot more possible, once you have the right strategy.

U.S. stocks make up most of global ETFs.

If it worries you, adjust your portfolio and focus on different regions.

But don't let this scare you from ETF investing altogether.

How I would invest €5,000 as a professional.

The key isn’t the starting amount - it’s increasing your income over time and investing consistently.

Long-term discipline and compounding are what turn small contributions into real wealth.

Change is hard, and comfort is easy.

That’s why many delay saving or increasing their income - the pain of effort feels bigger than the distant results.

Focus on small, consistent actions today to secure your future tomorrow.

Two books to level up your investing:

The Little Book of Common Sense Investing - John C. Bogle

The Psychology of Money - Morgan Housel

Your bank isn’t a financial advisor - it’s a salesperson.

Most of the products they offer are high-fee and serve their interests more than yours.

After €100k, compounding starts to become very apparent.

Some people still think the process is too slow, but the data shows otherwise.

Remember, the earlier you start, the more it works in your favor.