Finary

Retraite à 45 ans... projet impossible ? Analyse de patrimoine

Today's patrimonial analysis focuses on an engineer, 31 years old, who has achieved a gross wealth of €149,000 and a net wealth of €87,000. He is the first engineer in his family, aiming to break the "glass ceiling" and build lasting wealth. His objective is financial independence by age 45, accumulating €1.5 million to transition into a sports career, his passion. Currently, he works as a Customer Success Manager in tech, earning €3,730 net per month, plus €230 in on-call bonuses. He is in a civil partnership with no children. His financial strategy includes closing high-fee accounts, monthly dollar-cost averaging (DCA) into an MSCI World ETF, experimenting with non-professional furnished rental (LMNP) which hasn't gone well, and holding stock options (BSPCE) from his startup, vesting over four years with an expected exit in 2030.