The journal

18 essays. Search a phrase, or stay inside one subject. Each piece carries the same disclosed referral, and the same refusal to call it advice.

18 essays

FoundationsA twelve-month plan for a new European investorTwelve months is long enough to build a habit and short enough to finish. The plan is a calendar, not a personality.3 October 2026 · 4 min
The €50 offerThe Robinhood EU crypto offer, in one pageThe offer is specific. The caveats are part of the offer. Here is the link, the €50 condition, and the sentences we refuse to skip.1 October 2026 · 4 min
The €50 offerWhat “€50 worth of crypto” actually meansThe euro figure is a conversion at a moment in time. The thing you hold afterwards is a coin, and coins do not owe you that euro figure.28 September 2026 · 4 min
The €50 offerHow large should a first crypto deposit be?The right first deposit is the one you can watch fall by half without inventing a new personality.20 September 2026 · 4 min
Costs & riskCrypto and tax: a plain-language sketch for the Netherlands and the EUThere is no European crypto tax. There is your country’s tax, your records, and a bad spring if you mix those up.8 September 2026 · 4 min
FoundationsHow to start investing in Europe without turning it into a hobbyThe first year is an order of operations. Get the sequence right and the products almost choose themselves.2 September 2026 · 4 min
FoundationsEuro-cost averaging: a DCA plan you will still be running in MarchThe point of averaging in is not to buy the bottom. It is to buy on a date you do not get to renegotiate.18 August 2026 · 4 min
PortfolioA three-bucket portfolio for a first European accountThree buckets are enough until your situation is actually complicated. Most situations are not.2 August 2026 · 4 min
Costs & riskPosition size: how much volatility you can actually sit withRisk tolerance is not a personality quiz. It is the euro loss you can carry without selling at the worst time.28 July 2026 · 4 min
CryptoBitcoin, euro cash, and the cost of waiting on the sidelinesCash and Bitcoin solve different problems. Treating them as rivals is how people end up with neither job done well.11 July 2026 · 4 min
PortfolioETFs or coins: two different jobs, not a rivalryAn ETF is a basket with a job description. A coin is a single bet with a louder price. You can own both. You should not ask them to do the same work.19 June 2026 · 4 min
FoundationsBuild the euro buffer before you buy a coinA coin is a terrible invoice. Cash in euros is how you stay invested when life sends one.4 June 2026 · 4 min
CryptoHow to read a crypto price without chasing itA price is a postcard from a crowd. It is not a set of instructions with your name on it.30 May 2026 · 4 min
Costs & riskFees, spreads, and the real cost of buying crypto in EuropeThe price on the billboard is not the price in your history. The gap between them is the cost, and it compounds against you if you trade often.16 May 2026 · 4 min
PortfolioDiversification when crypto is only one sleeveDiversification is about risks that do not move together. A list of tickers is not the same thing.7 May 2026 · 4 min
CryptoHolding versus trading when you are still learning the vocabularyTrading is a second job with a negative apprenticeship. Holding is a decision you can make after dinner.22 April 2026 · 4 min
CryptoStablecoins, euro cash, and what “stable” does not promiseStable means “designed to track a unit”. It does not mean guaranteed, insured, or ready for your landlord.28 March 2026 · 4 min
Costs & riskSeven mistakes new European crypto investors repeatThe mistakes are dull. That is why they survive. Nobody brags about the fee they did not check or the buffer they quietly spent.9 March 2026 · 4 min