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A bit lost on how I should invest/plan my financial future (buying flat, investing, expatriation..)

Anything related to investing, including crypto

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Hello,

I need help brainstorming ideas about how I could invest.

I live in France and am currently growing my freelance activity and I should reach 30k euros / months in a couple years. I will have hundreds of thousands of euros accumulating over the years.

But I am really unsure about how to spend/invest them.

My girlfriend really wants to move to Spain and to buy a big flat near the sea at San Sebastian, a city that she really loves. She also wants to have kids in a few years, although she hasn't 100% decided that yet. The problem is that we would need something like 450K euros to purchase it. My girlfriend is also making 10k euros/months with her freelance activity.

On my part, I really hate personal debts and want to buy cash, if I ever buy a flat. I don't like having a long-term credit and would prefer being done with it ASAP. We will have enough cash in three years, even if our income doesn't grow.

But the thing is, after that purchase, we will both be back to close to zero euros in cash. This bothers me as an entrepreneur. I love having this "cash" protection, to adapt to the unknown. This decreases my anxiety a lot.
Also, less cash = less opportunities to grab good investment.
So I feel like buying this flat would be a big hindrance, and just renting it would be enough for the time being, to enjoy the lifestyle.

On my part, so far I've invested 40K in gold and am happy to make 50%+ benefits selling now after a couple years. It showed me that it's valuable to be able to grab these opportunities (and could have been much better if I was able to do it sooner).
I've been reluctant with cryptos because they are super- taxed in France (and Spain). So I feel like it makes it less compelling. (I would have purchased when it was discredited last year when bitcoin fell under 20K with FTX bankruptcy). Now it feels like it's too hot and the ship has sailed for the moment.
I don't like ETFs and the stock exchange so much yet. I prefer to invest in something that I fully understand and not because of the hype.

Something that attracts me more for the moment is to just put my cash in various bank accounts in different currencies and countries to enjoy higher interest rates (since they are pretty meager in France). I'm considering banks in Singapore, Georgia, the USA and Canada for instance.

My plan would be:
A> grow the company
B> put the money in precious metals (if it gets much lower) and banks in various currencies
C>Once I have enough cash while having a financial cushion> buy flat (in like 5 years)
D>Buy crypto and/or stocks for diversification

A final thing, but major one. I find that taxes in Spain are even worse than in France for both entrepreneurs and investing.
If it were not for me, I wouldn't live in Spain, because it will be a big hindrance for my business future and will put extra stress.
So I plan on at least staying French fiscal resident, because I'm already used to the system. But it's really not something that I find compelling.


Really looking for your advice. I struggle to find people who give me good solutions in my social circle
 
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30l iasu qis nupvj piv opduni?
 
30l iasu qis nupvj piv opduni?
pu, tjuamf ni nusi moli 18 piv topdi ovt Gsipdj veyit ^^
Cav ov xomm dupvopai opdsietoph uwis vji ziest. O en emtu puv e jahi tqipfis
 
Xjisi zua tjuamf mowi, O fup'v lpux.

Johj opduni epf pu loft ziv vu xussz ecuav. Opwitvt op humf. Dupdispif xovj veyit. Ewuoft dszqvu. Fuit puv moli vu cussux. Piift vu gammz apfistvepf opwitvnipv. Vjot tdsient sotl-ewuofepv.

Up vji tdemi ug quttocomovoit, vji sotl sohjv pux, vjev zua esi cioph vuu gopepdoemmz duptiswevowi vu zuas uxp fivsonipv, ot johj. Tjusv-visn dsifov duamf ci atigam vu zua, et zua jewi opduni vu qez ov ugg tuup, epf zua dep tvomm jewi tuni detj, epf opwitv op catopitt, epf fowistogz.

Tuapft moli zua tqipv e muv, puv op simevoup vu opduni, cav op simevoup vu piv xusvj? Zua tez zua esi puv e jahi tqipfis, tu vjip jux nadj ot zuas hosmgsoipf tqipfoph?
 
-Zit O ehsii vjev O nohjv ci vuu gopepdoemmz duptiswevowi. O'n gopi veloph sotlt et muph et O giim dupgofipv op xjev O'n fuoph epf vjev nz fidotoupt neli tipti

-Ximm O katv tvesvif gsun tdsevdj 5 ziest ehu xjip O tvesvif nz gsiimepdi edvowovz. Vji vjsii gostv ziest ug edvowovz O xet apfis 80L ziesmz. Tu duamp'v tewi et getv.

O xuamf tez, xi cuvj tqipf 2,5/3L iasut nupvjmz eqqsuyonevimz. Cav O cetodemmz qasdjeti iwiszvjoph O piif epf tiswodit vjev esi dupwipoipv (ov atif vu ci raovi e muv dunqesif vu nz iespopht e gix ziest ehu, cav pux nz tqipfopht jewi deqqif).
 
Ul, ettanoph zua jewi 0 iasut pux, xjodj zua fup'v, epf piif 450L iasu, epf zua neli 18L + 7L eqqsuy egvis veyit = 25L qis nupvj, tqipf 3L, jewoph 22L sineopoph, vjot tjuamf upmz veli 21 nupvjt, us 1.75 ziest. Puv 3 ziest et zua teof. Tu dep cussux vufez, epf qez cedl op 2-3 ziest, piifoph upmz neli 2-3 suapft ug opvisitv qeznipvt. Us jewi O notapfistvuuf?
 
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