u/Is-there-Alternativ

Hi everyone,
I'm based in Croatia, in my mid-30s, married with two young kids, and my long-term goal is FIRE while making sure my family is financially secure.

My net salary is around €2.900 month (net), plus I have a company car. On top of that, I have a side business through a Croatian d.o.o. that invoices around €5,175 month (excluding VAT). The business has very low operating costs, roughly €200/month.

My current investments are about €25k in cash (which I plan to keep as an emergency fund), roughly €25k invested in VWCE (around 164 shares), and 0.17 BTC. I don't own any real estate. We currently live in an apartment owned by my partner. The only debt I have is a small loan with a €200 monthly payment that will be paid off next year.

What I'm struggling with is deciding on the next step. Should I just keep investing in VWCE and ignore real estate? Or would you use leverage to buy an investment property and rent it out, letting the rental income cover as much of the mortgage as possible?

I'm also curious how those of you who own businesses would handle taking money out. Would you simply distribute profits once or twice a year, or is there a better approach?

If you were in my position, what would your strategy be over the next 10–20 years to maximize the chances of reaching FIRE while providing long-term security for your family?
I'd really appreciate hearing how you'd approach it.

Zanima me kako biste vi posložili financije da ste na mom mjestu.

U srednjim sam tridesetima, oženjen, dvoje male djece, živim u Hrvatskoj i cilj mi je dugoročno postići financijsku neovisnost te osigurati što bolju budućnost klincima.
Radim za plaću od oko 2.850 € neto i imam službeni auto. Uz to imam i svoj d.o.o. preko kojeg radim side posao i fakturiram oko 5.175 € + PDV mjesečno. Firma nema gotovo nikakvih troškova, otprilike 200 € mjesečno.

Trenutno imam oko 25.000 € u kešu koje planiram zadržati kao pričuvu, oko 25.000 € u VWCE-u (164 udjela) i 0,17 BTC. Nemam svoju nekretninu, živimo u stanu koji je u ženinom vlasništvu pa nemamo trošak stanovanja. Jedini dug koji imam je kredit od 200 € mjesečno koji završava iduće godine.

Ono oko čega se lomim je što dalje. Nastaviti samo gurati u VWCE ili krenuti u kupnju nekretnine na kredit i dati je u najam kako bi se što više sama otplaćivala? Znam da nema točnog odgovora, ali zanima me kako bi vi razmišljali da ste u istoj situaciji.

Također, ako netko ima d.o.o., kako izvlačite novac iz firme? Isplaćujete li dobit jednom ili dva puta godišnje ili postoji neki pametniji način?
Volio bih čuti mišljenja ljudi koji imaju slične ciljeve ili su već prošli taj put.

Hi everyone,
We're planning to visit Schönbrunn Zoo by car with our 2-year-5-month-old child. We'd like to park as close to the zoo entrance as possible and don't want to use the U-Bahn or other public transport.
Which parking lot would you recommend for the shortest and easiest walk with a toddler?
Thanks in advance!