Why I Decided to Create My Blog

This post won’t be long. I simply want to share my thoughts and my perspective. The idea of creating a finance blog has been in my mind for several years. I would start something, then stop, but now I’ve decided to dedicate 6 to 12 months to achieve real results.

I want to emphasize from the beginning that I do not have a financial education, and at the moment I am not an expert in this field. But everything is ahead. Right now, I am showing my investing journey—making mistakes and sometimes losing money along the way.

I have decided to focus on more stable, if I may say so, types of investment assets. First of all, these will be stocks and index funds, precious metals, and government bonds. In the future, it may also include real estate, IPOs, and possibly cryptocurrency, although that is less likely.

From the very beginning, I decided that I would never create any paid courses or guides on finance. In my opinion, a person interested in finance and trying to improve their financial situation should not have to spend money on education, because charging people for something that is already freely available is unacceptable to me.

I have seen many different courses from so-called experts. Of course, I have not bought them, so I cannot say that all of them lack value—not at all. There are definitely some that are worth paying for. One of my personal criteria is the possibility of a real-life meeting, where you can talk to the person directly—not online through a screen, but face to face, shake hands, feel the atmosphere, and so on. But I am not willing to pay just for videos or text.

The main goal of my blog is to show that even working an ordinary job, it is possible to build an emergency fund, accumulate capital, and grow it over time. Not in 3, 6, 9, or 12 months—definitely not. I am looking at investments with at least a 5-year horizon. There are no guarantees, no magic tricks, and no “astronomical” returns. If you can earn more than 7% per year from investments, that is already a good result.

I am not trying to maximize income at any cost; I believe more in capital preservation first, and only then in growth. Of course, if you are doing well, have several income-generating assets, and have a yearly living reserve, then you can even “play the lottery”—but it usually doesn’t lead to anything good.

So work, build your capital, create an emergency fund, and invest.