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