How do you want to achieve financial independence without investing anything?

I actually know a young man, an employee, who is chasing the illusion of achieving financial independence. It's not an illusion, in principle, and not a bad thing. The problem: He doesn't want to invest anything, putting everything into his savings account. I'm normally a visionary, operating according to the principle "If you can think…

Reduce fixed costs when self-employed?

Hello How can you reduce fixed costs when you are self-employed? This primarily refers to the costs for health insurance and tax advisors ! In an example like this: Type of self-employment: Sale of used and new goods. Monthly costs: Shop: Rent €900 including utilities (gas, water, heating, etc.) Electricity: 90 € Phone/Internet: 50 €…