I see constant posts in international and US-focused personal finance communities featuring 18-to-20-year-olds casually talking about investing $400–$500/month, or 30+ target-planning short term $300k to 40s $1.5M net worth figures. Looking at this from Southern Europe (and several other EU regions), the reality is different: reaching even 7–10% of those absolute targets at a similar age is considered a huge achievement. Following standard frameworks like the 50/30/20 rule, a solid, non-poor mid
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