💸 Do you invest in ETFs?

💡 Make sure the annual fee is less than 0.5%

👹 My friend just showed me his ING ETF and the fee is 1.8%

😊 Vanguard's fee for the same ETF is 0.03% or 60x less!

💸 The difference after 20 years is $185,424 in returns or 38%

🏃‍♀️Avoid expensive ETFs
My friend @gherget wrote about ETFs and the importance of low fees in herget.me/investing-guide
If you'd like to invest, a good broker is ibkr.com and they are international so you can sign up there from most countries.

Which ETFS? See

Make sure you Google the UCITS version of it if you're non-US
This isn't financial advice as always. Consult an expert

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More from @levelsio

14 Dec
12mo ago I went into the livecoding section on Twitch and was watching @cmgriffing

He told me @roxkstar74 was a fan so I opened his stream, said hi, and he started crying 😭

Turns out he was depressed and stuck in an unhealthy life building a VC funded startup that didn't work
We did a podcast together and after we kept chatting

I told him if he was depressed to quit his startup, and maybe take a break and hang with me and my friends who were about to fly to Thailand

2 weeks after he showed up!

He'd never been outside US
It was a wild 8 months of ups and downs

Inviting a stranger you've only seen on Twitch who has never been outside US to the other side of the world was....intense

For him and for us

We went to the gym together, coworked, and mostly tried to help get him into an indie mindset
Read 7 tweets
13 Dec
I think I convinced ~80% of my friends to move to Portugal now
Only need to bring my parents and some family now
Shockingly even the guy friends' girlfriends are now DTP (down to portugal) where with other places they were absolutely not (thailand, bali, mexico etc)
Read 4 tweets
12 Dec
If I didn't go travel in my early 20s I'd now be working an office job instead of having built a $10M+ business WHILE traveling

Travel is the single most impactful thing you can do to broaden your perspective

Go travel please and never stop
Not saying I'm not an outlier, but OP tweet mentions you kill success, so I think worthy to mention biz

I also agree everyone should just do whatever they want, but going abroad is scary and sometimes you need a little push like this tweet to go!
Before I studied abroad in Korea in 2009 my world view was literally the Netherlands and that was it. Now it's the entire world. Going abroad has pros and cons. Cons are less ties to one place. Pros are more ties and a more broad view of the world, society and humanity.
Read 14 tweets
6 Dec
The only way to get what you want in life is to repeatedly say no to what you don't
It's a platitude tweet, I know, but I thought of this while half asleep and wrote it down. You essentially have to say no most of the time or you're inevitably only doing what other people want you to do.
And you think people will hate you for saying what you don't want and what you want because it goes against them. But I found out many ppl actually think what you think and are just scared to say it. Esp in groups
Read 4 tweets
2 Dec
Very interesting rebase.com thing today:

Lawyers in Portugal (and elsewhere?) cannot solicit or advertise their services, accountants can

So people have to ASK them for their services

That's why the process involves emails where accountants "refer" a lawyer on CC
This means it's illegal when people sign up to Rebase to immediately put them on a call with a lawyer. Because it'd be too direct. I can only "refer" a lawyer. I think this process could be automated legally though.
For ex: applicant could give Rebase permission to approach a lawyer "in their name"
Read 6 tweets
7 Nov
🍰 Only 4 out of 70+ projects I ever did made money and grew

📉 >95% of everything I ever did failed

📈 My hit rate is only about ~5%

🚀 So...ship more
inb4 MAKE book didn't fail, true it didn't but it's not really a growing project (which is okay that's the nature of books), if you do want to include it the % grows to 7% hit rate
Also I think many are a success like inflationchart.com hoodmaps.com but just not making $ or growing in $, which is perfectly OKAY by me!

The point is what are the odds % of making something that makes money AND grows? I think small and for me that's about 5%
Read 4 tweets

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