Great post, as always.

I am proud to have stayed debt-free all my life. I even didn't take a student loan with a low interest rate from the Swedish state, when it offered. No sir, I want to only spend the money that I have earned first, not the other way around.

I have managed to save enough money to get me through 4–5 months of living in Sweden, if I lose all sources of income at once. It could last me a year and a half, if I had to return to my parents’ house in Russia.

I manage to save roughly a half of my monthly income and put it into savings and investments. I have invested about one-third of my liquid assets in Bitcoin. Now this particular investment comprises about 3/7 of my liquid assets, thanks to the recent increase in price of Bitcoin. I also invest in stock market and in small Swedish start-ups whose founders I know and in whose business ideas I believe. And I put aside a small amount of money every month and buy a few grams of gold with it. I also have a private pension savings plan, on top of what the Swedish state and my former employers will pay me, when I get old.

The only regret I have is not having enough savings to invest in Bitcoin, when I first learnt about it (back in 2012). But, to paraphrase one of your previous posts, @getonthetrain: “the best time to buy Bitcoin was seven years ago, the second best time is today”.

Please keep sharing your wisdom on Steem: the people need to learn this!