u/Kindly_Pressure5773

Hi everyone,
As I already mentioned, I’m 18 years old from EUROPE and currently have around €10,000 in savings, which is all the money I have. I don’t have any savings account or anything similar set up by my parents.
I’d like to start investing mainly for the distant future (25+ years), rather than for a specific goal within the next 5 or 10 years.
My investment direction would be ETFs, mainly VWCE and/or WEBN (yes, another VWCE sheep, as some of you might say). I’m planning to invest through Interactive Brokers (IBKR).

Since I’m only getting started with investing, I’d like to hear how you would allocate the money in my situation and whether you think my general approach makes sense.

**My situation:**
-I’m 18 years old and expect to be studying until around 25.
-€10,000 is all the money I currently have.
-I currently have no investments.
-I live with my parents and will almost certainly continue living with them until I finish my education, so I currently have no rent, housing, utility bills, etc.
-I will receive around €150–200 per month in a scholarship while I’m studying.
-During my studies, I’ll also try to work, mainly during holidays, to earn some additional money.
-Luckily, I already have a cheap, older car, so I don’t currently need to set aside money to buy a car. However, I will obviously need money for fuel, servicing, registration, insurance, the road toll vignette, repairs, etc.
-I hope I won’t have to replace the car unless it becomes necessary. If I do eventually need another one, I would also look for a cheap used car, rather than buying something new or expensive.
-In general, I don’t spend a lot of money. I especially don’t have major expenses on things like McDonald’s, expensive clothes, clothing brands, concerts, clubs, etc., so I should be able to save a significant portion of my future income.
-As mentioned above, I want to invest primarily for the long-term future, not with the intention of needing the money within 5 or 10 years.

**My questions are:**
•VWCE and WEBN – am I even thinking in the right direction with these?
•How much of my €10,000 would make sense to invest immediately? And should I invest it as a lump sum or gradually?
•Does it make sense to invest, for example, €20–80 per month while I’m studying, even though the amount is relatively small?
•What should I do with the money I don’t invest in ETFs – keep it in a regular bank account, a savings account, a money market fund, or something else?
•If you were in my position, would you do anything differently? What would you do?

I’m not necessarily looking for specific financial advice in the sense of “buy this and that”. I’m mainly interested in hearing how you would allocate the €10,000 in my situation and why.
Thanks for any advice :)

Živjo kot sem ze omenil sem star 18 let in imam trenutno približno 10.000€ prihrankov, kar je ves denar, ki ga imam. Od staršev nimam odprtega nobenega varčevalnega računa ali podobnih stvari.
Rad bi začel investirati predvsem za oddaljeno prihodnost (25+ let) in ne za nek konkreten cilj čez 5 ali 10 let.
Smer moje investicije bodo ETF-ji, predvsem VWCE ali/in WEBN (ja se ena vwce ovca - kot boste eni rekli), investirati pa nameravam preko Interactive Brokers (IBKR). Ker se s tem šele začenjam ukvarjati, me zanima, kako bi vi na mojem mestu razporedili denar in ali se vam moja ideja sploh zdi smiselna.

Moja situacija je:
-Star sem 18 let in se bom predvidoma šolal do približno 25. leta.
-10.000 € je ves denar, ki ga imam.
-Trenutno še nimam nobenih investicij.
-Živim pri starših in bom do konca šolanja skoraj zagotovo ostal pri njih, zato trenutno nimam stroškov najemnine, stanovanja, položnic itd.
-Prejemal bom približno 150–200 € štipendije na mesec v casu solanja.
-Vmes med časom šolanja bom poskušal tudi delati, predvsem med počitnicami, da si dodatno prislužim.
-Na srečo imam že cenejši, starejši avto, zato mi trenutno ni treba nameniti denarja za nakup avtomobila. -Bom pa seveda potreboval denar za bencin, servise, registracijo, zavarovanje, vinjeto, popravila itd.
(Upam, da avta ne bom rabil menjat, če ne bo potrebno. ce pa bo treba kupiti drugega, bi tudi takrat gledal predvsem poceni rabljen avto, ne kakšnega novega)
-Na splošno ne zapravljam veliko. Predvsem nimam večjih stroskov za stvari, kot so McDonald’s, draga oblačila, znamke oblacil, koncerti, klubi itd., tako da lahko precejšen del prihodnjih prihodkov prihranim.
-Kot ze receno, investirati želim predvsem za dolgoročno prihodnost, ne pa z namenom, da bi denar potreboval čez 5 ali 10 let.

Moja vprašanja pa so…
•VWCE in WEBN – ali sploh razmisljam v pravo smer s tem?
•Koliko od mojih 10.000 € bi bilo smiselno investirati takoj? In ali naj to izvedem v enotnem znesku ali postopoma?
•Ali se mi med šolanjem splača vlagati npr. 20-80**€ mesecno**, tudi če je znesek relativno majhen?
•Kaj narediti z denarjem, ki ga ne vložim v ETF – navaden račun, varčevalni račun, money-market fund ali kaj drugega?
•Bi pri mojih letih in situaciji naredili kaj drugače oz kaj bi vi naredili?

Ne iščem konkretnega finančnega nasveta v smislu “kupi to in ono”, ampak me predvsem zanima, kako bi vi razporedili teh 10.000 € na mojem mestu in zakaj.
Hvala vam za vsak nasvet :)

Hey everyone,
I'm an 18-year-old guy living in Slovenia, and I need a serious reality check. It has been my absolute dream to own a Yamaha Raptor 700R. Over the last couple of years, I worked hard and managed to save up about 14.000€ by working.
Because of regulations here, a brand-new, street-homologated Raptor 700R (legal to drive on a standard B car license) costs exactly -€17,500. Buying it means my bank account will be very low on money. Ik its not worth the money, but i really want it, and its the only way i can get it to drive on road. I also dont want used ones. Or should i???
Here is my situation to keep in mind tho:
Experience: I'm not a beginner. I have some experience riding my dad's Raptor 350R, but I've kinda outgrown it. It feels too slow, especially for traveling on open roads, which i do a lot.
Current setup: | already own a daily-driver car that I'm happy with (clio 0,9l tce) and plan to keep it for the next few years. I also have my dads 350r as mentioned. Its not mine, but i mostly ride it.
Usage: The quad would be for fun and also daily drive vehicle. I II definetly use it as a sort of a daily transportation. I want to use the 700R to do road traveling, riding for fun (fields, forest roads) and asphalt cruising.
My heart says to buy it because I worked so hard for this dream, but my brain is telling me to not spend almost every single euro I have saved till now.
For those of you who own a 700R: How is it for long-distance road riding (especially speed since the 350r screams loud asf at 70kmh)? Is the maintenance going to bankrupt me instantly? And financially, is it a massive mistake to spend my life savings for this machine at 18, or should I just send it while I'm young and enjoying life. I think i can still sell it later if id want. They hold their value pretty well if im not mistaken.
important: I will also work while schooling later on and earn money with some side job. I spend vacations working as well.
IMPORTANT: people have suggested me investing in long term. I am not quite familiar with investing but i can learn ofc. But is it really as easy and as good as it sounds and as people are saying?
(Reposted since it got deleted on r/atv)

Thanks for the advice!

Hey everyone,
I’m an 18-year-old guy living in Slovenia, and I need a serious reality check. It has been my absolute dream to own a Yamaha Raptor 700R. Over the last couple of years, I worked hard and managed to save up €17,500 by working.
Because of regulations here, a brand-new, street-homologated Raptor 700R (legal to drive on a standard B car license) costs exactly —€17,500. Buying it means my bank account will be low on money. Ik its not worth the money but i really want it, and its the only way i can get it on road. I also dont want used ones. Or should i???

Here is my situation to keep in mind tho:
Experience: I’m not a beginner. I have some experience riding my dad's Raptor 350R, but I’ve kinda outgrown it. It feels a bit too slow, especially for traveling on open roads, which i do a lot.
Current setup: I already own a daily-driver car that I’m happy with (clio 0,9l tce) and plan to keep it for the next few years. I also have my dads 350r as mentioned. Its not mine but i mostly ride it.
Usage: The quad would be for fun and also daily drive vehicle. I ll definetly use it as a sort of a daily transportation. I want to use the 700R to do road traveling, riding for fun (fields, forest roads) and asphalt cruising.
My heart says to buy it because I worked so hard for this dream, but my brain is telling me to not spend almost every single euro I have saved till now.
For those of you who own a 700R: How is it for long-distance road riding (especially speed since the 350r screams loud asf at 70kmh)? Is the maintenance going to bankrupt me instantly? And financially, is it a massive mistake to spend my life savings for this machine at 18, or should I just send it while I'm young and have no major bills? I think i can still sell it later if id want. They hold their value pretty well if im not mistaken.
important: I will also work while schooling later on and earn money with some side job. I ll spend vacations working as well.

Thanks for the advice!