The Simple Money PLAN For Europeans
Wake Up Your Money
Don’t just work for money. Let your money work for you.
Why it matters
Money sitting idle gradually loses its purchasing power over time.
Long-term investing gives your money the opportunity to grow.
The earlier you start, the more powerful compounding becomes.
The 4-Step Money Plan
A simple system to make your money work for you.
01
Choose the Right Bank
Switch to a modern European bank with no monthly fees, free everyday payments, and the same EU deposit protection as traditional banks.
02
Pay Yourself First
Build the habit of saving every month by setting aside part of your paycheck. Begin by creating a 3–6 month emergency fund before moving on to investing.
03
Grow Your Wealth
Invest consistently for the long term in broad, diversified index funds instead of trying to time the market. Invest a little extra during major market declines.
04
Diversify Further
Alternative investments, such as crypto or private loans, can increase return potential, but they also carry higher risk. Keep your exposure limited and diversified.
Our Top Picks
The providers we trust with our own money.
Bank Accounts
Modern banking with no monthly fees, backed by full EU deposit protection.
EVERYDAY BANKING
N26
Simple, fee-free everyday banking
Revolut
Travel, currencies & virtual cards
SAVINGS ACCOUNT
Trade Republic
Interest on idle cash
Investment Accounts
Low-cost investing to build long-term wealth.
Trade Republic
The easiest way to start investing
Interactive Brokers
Access global markets at low cost
Alternative Investments
Optional higher-risk investments to further diversify your portfolio.
CRYPTO
Binance
One platform for everything crypto
Bybit
Advanced crypto investing tools
PRIVATE CREDIT
GetIncome
Private credit investments up to 15% APR
Debitum
Business loans up to 15% APR
What To Invest in?
Broad market ETFs (but US or world or emerging)?, gold and precious metals, bonds?
Stock Market
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ETFs
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ETF1
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ETF2
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Individual Stocks
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ETF1
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ETF2
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Alternative Investments
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