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.

如果您阅读此文章，则您很可能是一名软件开发人员，正在为精明的省钱或投资或提早退休寻求财务建议。

📝在本文中： (📝 In this article:)

1. Why is it for software developers first
   为什么首先为软件开发人员
2. The sad truth about the retirement
   关于退休的可悲事实
3. My finance knowledge so far
   到目前为止我的财务知识
4. Mythos about the investments
   关于投资的神话
5. What’s next?
   下一步是什么？

💻为什么首先为软件开发人员 (💻 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!

因为开发人员在某些时候很幸运，所以我们很灵活。 此外，开发人员喜欢创建自己的工具。 因此，我们可以产生被动的收入，随着时间的推移可以为我们提供支持！

If we wish, we could:

如果我们愿意，我们可以：

• Get a very high paying job
  获得高薪工作
• Work remotely and live in a city that is not that expensive and save more money
  远程工作并生活在一个不那么昂贵的城市，并节省更多的钱
• Develop side projects along with passive income
  与被动收入一起开发副项目

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.

这就是为什么有必要实现财务独立(FI)来改善您的生活。 至少，它可以帮助我们不再继续考虑支付账单，并且我们将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

“从不依靠单一收入，而进行投资以创造第二个来源。” - 沃伦·巴菲特

about关于退休的可悲事实 (🥺 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，我移居德国。 最近，我不得不要求退休金通知才能获得德国永久居留证。 看着当时的退休金通知，我可悲地意识到，我后来的退休金应该是70岁那笔小数目，不足以维持生计，足以生存。

Since that day, I started…

从那天开始，我开始...

• Feeling anxious about the future, retirement, and old-age poverty
  对未来，退休和老年贫困感到焦虑
• Thinking about wealth accumulation with securities
  关于证券积累财富的思考
• Learning how to invest money
  学习如何投资
• Building passive side income
  建立被动的副业收入

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.

在德国，退休制度对我来说似乎是一个骗局。 这意味着工作一代用其社会缴款支付退休一代的养老金。 如果您想了解更多关于与大多数欧洲国家类似的德国退休制度的信息，请查看此链接 。

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.

简而言之，由于低出生率和高人口老龄化之间的关系，发达国家每个退休人员大约有2名在职工人。

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

随着时间的流逝，这个比例，每个承租人的活跃贡献者的数量据认为正在急剧下降。

❗️ 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.

There️无法保证退休制度仍然会按照2020年退休金率维持并还清相同百分比的钱。

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

❗️不能保证我年老时在10–20–30–40年内会一样。

I am 100% sure I cannot rely on it.

我100％确信我不能依靠它。

far到目前为止我的财务知识 (📊 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.

我个人在财务上的独立出发点是在我获得德国永久居留许可并辞职开始为自己工作之后的最后几个月。

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.

学习如何进行投资似乎很令人恐惧，尤其是当市场崩溃时开始学习时。 不过，它比您想像的要容易，并且无论您之前保存了多少，都可以开始。

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

这是我的前15条技巧，说明如何从开发人员的工资中释放额外的每月现金进行投资。

What I have learned since then is enormous:

从那时起我学到了很多：

• Read lots of books and articles on finance and investments
  阅读大量有关金融和投资的书籍和文章
• Listened to podcasts on financial independence topics
  收听有关财务独立性主题的播客
• Watched many hours of videos
  观看了许多小时的视频
• Took control over my finances: no credits, no consumer debts
  掌控我的财务：无信用，无消费者债务
• Opened security accounts by different brokers and banks to start my investing journey
  由不同的经纪人和银行开设的安全账户开始我的投资旅程
• Developed my investment strategies for the index funds and single stock-buying
  为指数基金和单一股票购买制定了我的投资策略
• Even started taking a degree course at the one of the top-ranking business school 🤭
  甚至开始在一流的商学院之一中攻读学位课程🤭

What am I learning now:

我现在在学什么：

• More about REITs
  有关房地产投资信托的更多信息
• More about investing in active fonds
  有关投资活跃人士的更多信息

tho关于投资的神话 (💭 Mythos about the investments)

Myth #1 You should be a math genius

误解1：你应该是一个数学天才

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.

事实是，您不应该成为在证券交易市场上成功的人。 这是绝对的谬论，而我对此有充分的证明。 我知道数学，但我不是数学天才。

Myth #2 You should have significant capital to start

误区2：您应该有足够的资金开始

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.

您甚至可以从25美元开始。 此外，我建议您先从少量资金开始投资。 首先，要了解交易所市场的运作方式及其动态。 其次，学习如何阅读关键数字，图表以及了解股票表现。 因此，以后您可以更加自信地投资更多的资金。

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

误区三：您只能在发达国家中做到这一点

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.

完全错了！ 如前所述，我最初来自东欧国家，那里没有机会在国家/国家银行开设证券账户来投资发达国家的股票。 在我的祖国中，仍然有一些在职的国际经纪人为居民提供这一机会。

Basically, you can start investing almost from anywhere!

基本上，您几乎可以从任何地方开始投资！

next接下来是什么？ (🚀 What’s next?)

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

我仍在学习有关主动和被动投资的很多知识，因为我的目标是实现财务独立：

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

我坚信，如果您学习了编码，就可以学习如何实现财务独立。

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

大多数开发商拥有高薪工作，没有债务，可以立即开始投资。

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.

我们所有人都有自己的梦想生活，并且有能力在退休之前更早地开始生活。

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.

互联网上有很多有关财富积累的信息，但实际上在外汇市场上却很少有实用的建议和策略。 分步指南并不多，例如，有关如何分析特定股票以做出正确的购买/持有/出售股票决策的指南。

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，我决定发布更多有关我的财务独立学习历程的信息：我练习的财务策略，从中学习的资源，脚本以及为有效执行这些策略和管理财务而实施的自动化工具。

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!

也欢迎您通过我的每周时事通讯或RSS加入我的旅程。 让我们一起积累财富，并在财务上变得独立！

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

我记得自己刚开始的时候，对财务几乎一无所知！ 我很幸运地省了钱来开始和尝试。

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.

免责声明：我不是财务经理，也不是财务专家。 通过我的文章，我将分享我如何全力以赴。

Live your best life, Ilona

度过美好的生活，伊洛娜