My name is Javier and I was born in Mexico City. A scholarship brought me to the Netherlands in 2010 and I studied a Master’s degree in Renewable Energies at the University of Twente in Enschede.

After finishing I decided to try my luck and apply for the orientation year permit, the famous Zoekjaar, I got a job in the region of Twente and have been here ever since.

I became interested in personal finance a few years ago and that also led me to invest in the stock market, at that time I heard for the first time the concept of passive income, financial independence and from there I started to investigate more about how to achieve it. Since I started I have tried several things from banks to cryptocurrency mining, in this blog I will tell my experiences with the different products I have tried, I have always liked to share what I know.

In 2020 I started a project to import handicrafts and opened an online shop (, the shop is on pause and I hope to resume it soon.

As you will notice I use the term Holland to refer to the Netherlands and also Dutch words, it is easier to understand that way sometimes.

Some of the links on the page serve to try to monetise the blog.

I hope you find the information you read here useful.