The first step to financial independence

    Here is the first step toward financial independence. I am convinced that it will be a long journey with ups and downs, but I think I am ready for what is to come. If I started on this road, I already made the first investments in P2P platforms.

    As in any investment, there are some risks. To minimize these risks as much as possible, I have chosen platforms that have a BuyBack guarantee (even if the lender will not pay their rates, you will not lose money). You will receive the money back after 60 days from the respective platform.

How long will be until I get financial independence?

    I hope that in the next seven years to achieve financial independence. It seems hard to do, but reading the 10X book, written by Grant Cardone, nothing seems impossible. I save and invest as much as possible. I document myself as much as I can to get more sources of income. So far, the only sources of income are the salary and the interest obtained from P2P investments. If you want to calculate your financial freedom you can use this calculator

Why did I choose P2P investments?

    Although it presents certain risks as any type of investment, P2P investments offer a purely passive income month by month. Everything is done online, you don’t need knowledge in the field of investments, you don’t have to talk to any agent, there are no hidden fees for deposits / withdrawals. The most important thing is that you can get a high return compared to many other investments. You can minimize the risks by investing diversified. You have several platforms, countries or types of investments to choose from. All you have to do is sign up for a P2P platform, transfer money, make the investment you want and then wait for the monthly installments. You can follow what I obtained by accessing the MONTHLY REVIEW page.

How did i make the first deposit?

    I made the first deposits by bank transfer using Revolut. The money arrived very quickly and most importantly, without any commission. There are several transfer methods but Revolut offers a very good exchange rate and they have no hidden fees. You can make your free account on Revolut by accessing this link.

Here are the platforms that caught my attention at first:

MINTOS –  It is one of the largest P2P lending platforms in Europe. At this time, all operations on the platform are free. You can get your free account and test the platform here.

FAST INVEST – You can make investments even for € 1. The redemption guarantee offered by the platform is different from that of the competitors. Investors can sell all their assets back in one day. You can get your free account here.

ENVESTIO – Started as a private investment fund in 2014, Envestio is now one of the most important companies in the “New Finance” or “Finance 2.0” industry, offering investors from different countries premium investment opportunities through the online market. All investments benefit from the Buyback Guarantee. The interest payment is made monthly and the return of the investment is made at the end of the period. You can sign up here.

CROWDESTOR – Offers everyone the opportunity to invest directly in real estate and business projects, without intermediaries and hidden conditions or costs. With Crowdestor you can start investing from 50 euros with an annual interest rate of 12%. Test the platform for free here.

GRUPEER – The Grupeer Platform is an electronic trading site, which offers the opportunity to invest in secured loans. You can get your free account here.

PEERBERRY – The platform was launched in 2017 and offers loans only with guaranteed payback. The minimum investment for a loan is 10 €. Most loans are short term, usually between 13 and 30 days. You can get your free account here.

Update 01.Aug.2019: I have added a new platform in the investment portfolio.

  The KUETZAL platform is very similar to the CROWDESTORand ENVESTIO platforms. The minimum investment is € 100, and the projects have very good returns. KUETZAL offers everyone the opportunity to invest directly in real estate and business projects, without intermediaries and hidden conditions or costs. If you will use this link  to sign up, you get 0.5% cashback of all investments made in the first 180 day.

Update 01.Sept.2019: I have added a new platform in the investment portfolio.

New platforms are added to my portfolio:; Lenndy; Wisefund


     I remind you that the above is my own opinion and you should always do your own research before investing. Through this blog, I monitor my journey to financial independence. You can use this information and opinions to make your own opinion and maybe you will be inspired to start your own journey.

2 thoughts on “The first step to financial independence”

  1. Hi! I was interested in knowing if you take on clients or would be willing to do so as you show very impressive results and it would be interesting to closely follow your results.

    I’d be very thankful if you contacted me.


    1. Hi Marcel,

      I don’t give financial advice to any person. All my investments are available on the blog. I post all the time when I make a new investment, but also the end of each month. You can use that information to select the platform you want to invest in. If you have more questions please let me know and I will do my best to help you.

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