I have a confession to make: I am really angry lately.   Why?   Because I’m coming to the realization that the more I progress on my financial journey, the more I get penalized by the Dutch Government.   Through all sorts of creative ways, but especially through the infamous ‘Box 3’ wealth tax.   Whether you’re very familiar with Box 3 or have never heard of it, read on. In this article I’m sharing:   How growing wealth in the Netherlands is becoming increasingly more difficu

How often do you ask yourself “can I afford it”  when buying something?   And how do you answer it? Do you run the numbers? Or go by gut feeling?   And if it’s a joint purchase to be made with your partner, do you discuss it and take the decision together? Or just do it, and deal with the consequences later? Lately this question of “can I afford it”  has been on my mind a lot, both because I often hear it in coaching sessions with my clients, and because Carlos and I are in t

With the holidays behind us and a fresh New Year ahead, it’s time to zoom-out, look at the big picture of your financial life, and turn some of those abstract resolutions into a more concrete plan.   Whether you’re regularly updating your net worth, or have never done it, the following 3 Step approach might prove a useful guide. But first, a quick note on WHY it’s important to know your net worth to begin with. Why look at personal net worth?   Net worth is one of the most im

It's end of December, a natural time for both reflection and anticipation. To help you start the New Year strong, we designed a simple, two-part exercise to help you close the financial chapter on 2025 and approach your finances in 2026 with intention and focus. It will only take about 15 minutes, plus some curiosity. Oh, and maybe a hot cup of something to warm your hands while thinking. Let's get started! Part 1: Your 2025 Financial Reflection Reviewing the past helps us id