The FIRE Belgium Show

FIRE Belgium
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The FIRE Belgium Show

Money is one of the greatest tools we have to build a life we love. Whether you're seeking financial freedom or security, or simply want to have more peace of mind when it comes to money, learning how to use it wisely is essential. In this show you will to learn how to take control of your finances, start investing and put your money to work to serve you and others more effectively. You will learn from world-class personal finance experts as well as from Sebastien’s experience in reaching financial independence at 33 and helping thousands of other make progress on their journey.

  1. JUL 9

    How to level up at work and earn more? [022]

    How to level up at work? Do you feel like you’re not fully using your potential at work? Or that you are not recognized and rewarded for the work you do? Have you ever wondered how to fast-track your career, climb the professional ladder, and earn more? Wherever you are in your career, there are ways for you to level up at work. This is what we discuss in this episode with Judith Escalier. Judith is a Certified Executive Coach and Leadership Training Coach at Creciendo. She has coached hundreds of people in Belgium across all levels, and provides training for professionals in many industries, including Fortune 500 companies. She specializes in helping people perform better in all areas of their life, unleash their full potential, and reach their personal and professional goals. Here are the key topics we discuss in this episode: What are the keys to leveling up at work and make more money What are the 6 ways for you to create more value for yourself and your employer How can you enhance your executive presence and leadership skills How important are gravitas, communication and body language? How mindset can help you overcome barriers and position yourself for success? Why is adopting T-shape skills crucial for career growth and creating a unique value proposition? Judith provides so much value in the episode! I wish I knew about all this at the beginning of my career. At the end we take questions from the audience and Judith’s responses are so helpful! How to work with Judith: https://creciendo.be/ Connect with Judith on LinkedIn. https://www.linkedin.com/in/judithescalier Connect with Sébastien on LinkedIn: https://www.linkedin.com/in/sebastienaguilar/ --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

    1h 45m

  2. JUN 10

    How to make more money as a freelancer [021]

    Could freelancing be the key to your financial freedom? Are you currently an employee thinking about becoming a freelancer? Or Have you recently started as a freelancer and are looking to level up? Compared to traditional employment and its many constraints, freelancing offers a flexible approach to work with the potential to make more money. But how do you start? How do you avoid beginner’s mistakes? What are the challenges that you could face and how to overcome them? And what are the strategies to increase your income, grow as a freelancer and scale your business beyond your dreams? That is what we’re discussing in this episode with 2 rockstar freelancers: Jenny and Jeff. Jenny Björklöf escaped the golden cage a few years ago and started as a marketing freelancer. Today she is the Community Leader of Freelancers in Belgium (https://freelancersinbelgium.be/), a thriving community of more than 13 500 freelancers. In this conversation she shares both her personal experience and what she has learned from her incredible community. Connect with Jenny: https://www.linkedin.com/in/jennybjorklof/ Jean-François Bodart (we call him Jeff) is a Business Development Specialist and Sales Trainer (https://www.bizdev.be/). With over a decade of freelancing experience and with deep knowledge about all things sales and business development, he’s the perfect guide to help you navigate your freelance journey (to-be). Connect with Jean-François: https://www.linkedin.com/in/jeanfrancoisbodart/ In first part of the episode we discuss mostly with Jenny about what it takes to become a successful freelancer And in the second part we talk with Jeff about how to grow, develop, scale your freelancing activity and your income!  We talk about the various ways we can disconnect ourselves from exchanging time for money, create more value for our clients and for ourselves. We cover at least 4 or 5 different paths to scale. Fascinating! --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

    1h 35m

  3. MAY 22

    How Joris Van Briel got 60% annual return on his first real estate investment [020]

    Are you looking to invest in Real Estate in Belgium? You’re exploring the potential for a first real estate investment, or you’re already made one or more investments. But you’re wondering what it takes to be successful with real estate? How to find good deals? What are the strategies that improve investment returns? What are the key elements to pay special attention to when you invest for the first time? That is what we discuss in this episode with Joris Van Briel. Joris is part of the FIRE community and a real estate investor in Belgium. He’s 32 and owns 4 units in Antwerp and is looking to invest in Brussels.  He started at 26 and with a combination of luck, good financing, smart strategies (also known as house hacking), and a lot of hard work, he got a return on investment of 60% in the first year!!! I didn’t know this when we started the conversation. But I gradually discovered his journey and achievements. And while there was some luck involved, we also uncovered many important strategies that you can replicate to improve your investment returns. As I am not a real estate investor myself, I certainly learned a ton from this conversation, so a big thank you to Joris. If you want to connect and learn more about Joris, check out his website (https://arphenion.com/) and his YouTube channel “The Money Network” (https://www.youtube.com/channel/UCMQr3k4PCAIrhybceVKDenQ) --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

    1h 45m

  4. MAY 3

    Investing for Business Owners - with Tim Nijsmans [019]

    Are you a business owner looking to optimize your investments? Your business is making money and you’re paying yourself, but you still have money in the company.  Should you open a pension plan? take it out and invest as an individual, or invest as a company? How can you take money effectively out of your company? How can you optimize your investments as a company owner? What investment or saving plan or strategy provides the best returns? How can you optimize the Belgian pension and investing products such as IPT/EIP, VAPZ/PLCI, POZ/CPTI, DBI/RDT funds, etc. What are the tax implications of all these options? And how do they impact your investment performance? That is what we explore in this incredible episode with Tim Nijsmans.  Tim is a fee-only financial advisor specializing in index investing.  He is a former asset manager at private bank Dierickx Leys and former fund manager of the DBI fund of Dierickx Leys aimed at companies.  You can find him at https://www.vermogensgids.be/ He is also a FIRE Belgium consultant and you can book a call with him on firebelgium.com/1on1 In this episode we discuss 9 different strategies to invest your money as a company owner. Tim then presents a specific case study and shows us the huge differences in results depending on the chosen strategy. And the differences are huge! The best strategy gives almost double the performance compared to some other ones. This can make a huge difference in your personal finances.  If you’re a business owner looking to grow your wealth, this episode is for you. --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

    1h 31m

  5. APR 10

    The evidence banks don’t want you to know: Active vs Index Investing in Belgium [018]

    Over the last 20 years, the stock market went up by 500%!! * 1000 euros invested 20 years ago could have become 6000 today. That’s insane. But you know what’s even crazier… and very sad… The vast majority of investors only got a tiny piece of this growth. In fact, the average investor investing in the stock market barely managed to get 100% return over the same period. The average investor that had invested 1000 euros 20 years ago, would have 2000 euros today. That’s a difference… and a loss of 400%.  4000 euros in this case, but much much larger sums for most people. In this episode, we review the 5 biggest reports and studies that explore Active vs Passive Investing so that we can better understand - The difference in performance between active and passive investing - Why there such a enormous gap in performance - What we (individual investors) can do about it  If you’re curious about - How evidence-based investing works - How to maximize your chance of having high investment returns - How active and passive investing compare Then this episode is for you. And if you know anyone who is investing with bank funds (including pillars 2 and 3 pension funds), then share this episode with them. — *The S&P 500 went up 500% over the past 2 decades. The average investor in the meantime only got 100%. And this is before inflation. Source: JP Morgan Guide to the Markets. Links mentioned in the episode: DALBAR QAIB Studies:  https://www.dalbar.com/QAIB https://www.ifa.com/articles/dalbar_2016_qaib_investors_still_their_worst_enemy JP Morgan Guide to the Markets: https://am.jpmorgan.com/content/dam/jpm-am-aem/global/en/insights/market-insights/guide-to-the-markets/mi-guide-to-the-markets-us.pdf SPIVA Scorecard:  https://www.spglobal.com/spdji/en/research-insights/spiva/spiva-library/ Morningstar Active vs Passive Barometer: https://www.morningstar.com/en-uk/lp/european-active-passive-barometer ESMA Costs and Performance of EU Retail Investment Products: https://www.esma.europa.eu/sites/default/files/2023-12/ESMA50-524821-3052_Market_Report_on_Costs_and_Performance_of_EU_Retail_Investment_Products.pdf The Academic Advantage:  https://www.ifa.com/pdfs/the-academic-advantage.pdf --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

    38 min

  6. MAR 24

    Top 5 index ETFs for Investors in Belgium [017]

    What are the best stock index ETFs for investors in Belgium? What are the most diversified, cost-effective, tax-efficient, high performance ETFs that we can invest in from Belgium? In this episode, we cover: The FIRE Belgium ETF selection checklist - to help you pick the best ETFs How to practically check each of those criteria for an ETF (using IWDA as an example) Top 5 ETFs that fulfill those criteria for investors in Belgium Comparison of the 5 ETFs This episode is quite technical and better suited for people who are already familiar with index investing. Note that selecting a stock index ETF is only a small part of what you need to do to be a successful index investor, including a suitable asset allocation, tax management, broker selection, etc. To learn more about the rest I recommend you check the free workshop: https://firebelgium.com/investingworkshop To get full support to build your Personal Investment Plan and implement it, join the Index Investing Online Course: https://academy.firebelgium.com/courses/index-investing-online-course-aao --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

    39 min

  7. MAR 10

    How to select the perfect ETF (for investors in Belgium) [016]

    How to pick the right stock index ETF? How to find the best index funds for investors based in Belgium? What are the key criteria to select the perfect low-cost stock ETF, optimized for Belgian taxes ? In Belgium, the investing world is mostly controlled by banks and powerful lobbies. But good investing is not as complicated as what the industry wants you to believe.  In fact, research proves that a simple portfolio of index funds performs better than 90% of bank funds. All you need is: 1. A low-cost broker account  2. A balanced portfolio of 2 or 3 (well-selected) ETFs 3. A tailored Personal Investing Plan 4. The right long-term investing mindset I've been teaching this simple approach since 2015. In this episode, we dive into the 10 selection criteria to select the best index ETFs for Belgian investors. --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

    29 min

  8. FEB 23

    4 BIG investing mistakes to AVOID (and how behavioral finance can help us) with Thomas Laureys [015]

    Research shows that investors underperform the market by 3 to 4% on average each year!  That’s half of the returns of the market! And this is due to investment biases and mistakes many investors make. In this episode with Thomas Laureys, we talk about the 4 most common mistakes and biases that prevent investors from getting good investment returns. And how to prevent them. We dive deep into behavioral finance and investor psychology and share our thoughts on how to avoid those biases and become better investors. Thomas is a freelance writer who writes about investing and behavioral finances for organizations like the VFB and many big finance newspapers in Belgium. He’s read more books on investing than anyone I know. He ‘s one of my favorite writers on LinkedIn where he shares lots of great knowledge for investors. --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

    1h 11m
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About

Money is one of the greatest tools we have to build a life we love. Whether you're seeking financial freedom or security, or simply want to have more peace of mind when it comes to money, learning how to use it wisely is essential. In this show you will to learn how to take control of your finances, start investing and put your money to work to serve you and others more effectively. You will learn from world-class personal finance experts as well as from Sebastien’s experience in reaching financial independence at 33 and helping thousands of other make progress on their journey.

Information

  • Creator
    FIRE Belgium
  • Years Active
    2022 - 2024
  • Episodes
    22
  • Rating
    Clean
  • Copyright
    © FIRE Belgium
  • Show Website
    The FIRE Belgium Show

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