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I currently actively use 2 bank accounts, one with Revolut, the other one with Czech AirBank.

I invest at Trading212, InteractiveBrokers and Mintos.

In general, I try to follow these rules:

  • Don't by stuff you don't really need.
  • Sell stuff you don't really need.


  • Financial independence isn't really that hard, if one is able to put aside 50% of income, he should be able to retire in 16 years. Save 62% and you can retire in less than 12 years. The key is to minimize spending and maximize savings.^1
  • On the other hand, I think it is important to not stress it too much and also enjoy the life. The point of financial independence is to make your life better and more enjoyable.