Reality check - Are we on a good path to FI?

Others

My wife and I (mid-30s, one child) living in Croatia are trying to figure out if we're actually on a good path toward financial independence, or if social media/internet finance culture is just distorting my perception.

We currently invest €1,100/month into VWCE and have around €20k invested so far. We also have:

  • a 4-month emergency fund
  • a primary home 70 m² that is ~50% paid off
  • an additional 45 m² apartment that will likely be for our child one day - not renting at the moment (my parents occasionally stay in it).

Objectively, I know we're probably doing okay. But mentally, I often feel behind.

Online it seems like everyone is earning huge salaries, investing €3k–5k monthly, building businesses on the side, retiring at 40, etc. Meanwhile, we're just steadily investing every month, paying down our mortgage, raising a kid, and trying to be responsible.

I guess I’m looking for a reality check from normal people:

  • Are we actually on a decent path?
  • Did anyone else feel “behind” despite being financially stable?
  • At what point did you finally feel secure financially?

Would appreciate honest perspectives, especially from European families since the US salaries/net worths often feel disconnected from reality here.

Posted May 12, 2026, 6:26 AM UTC

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