Throwaway account.

We often see posts here from people with very high salaries, huge savings rates, or already massive portfolios.
So I thought I would share a more “average Joe” situation from a family living in Switzerland.

I’m 31M, living in Canton Waadt/VD for about 4 years now.

Maried double income 1 child

Household income

Monthly net income:

• Me: CHF 7,800
• Partner: CHF 4,800

Total: CHF 12,600/month

Monthly expenses

• Rent: CHF 2,600
• Health insurance / LAMal: CHF 1,200
• Childcare / childminder: CHF 1,600
• Utilities: CHF 100
• Car insurance: CHF 45
• Internet: CHF 49
• Phone: CHF 30
• Groceries: CHF 650 Mostly shopping in France + tax refund when possible
• No car loan

Regular monthly expenses are around CHF 6,300/month.

Savings situation

On paper, we should be able to save around CHF 5,200/month, give or take CHF 200.

But in reality, this year has been more complicated. During the first half of the year, I basically could not save much because we had a lot of money to dish out for different things.

One recent example: I received an unexpected CHF 1,800 heating bill from my previous apartment, around 3 years later.

From July, the plan is to restart properly:

1. Fill my pillar 3a VIAC 99%
2. Then invest monthly into VT through IBKR

Current assets

Current net worth: around CHF 100,000

Breakdown:

• Emergency account: CHF 20,000
• Health/medical buffer: CHF 5,000
• The rest is mostly in BTC

Goal

My medium-term goal is to reach CHF 500,000 net worth.
I come from 0.

How am i doing ? Any constructive criticism ?

Curious to see how much you can actually save up each month in percentage of your net income

[i used ai to make it more cleanly formatted]