@thisisndudi
1 / 10
💜 MONEY SESSION · TIANDA
Let's get your money
working harder.
You're closer than you think — even with the debt,
even with the tight months.
Today we make a plan that works for where you actually are.
@thisisndudi
2 / 10
Today's Session
Here's what we'll cover
🧠
PHASE 01 · 0–15 MIN
Your money story
Where you are + how you got here
⚖️
PHASE 02 · 15–25 MIN
Debt vs. investing
The order that actually makes sense
📖
PHASE 03 · 25–38 MIN
Investing in plain English
Stocks, funds, ETFs — no jargon
🎯
PHASE 04 · 38–48 MIN
How to pick an ETF
What to look for, what to ignore
🏦
PHASE 05 · 48–54 MIN
Where to start in the NL
Beginner-friendly platforms
📝
PHASE 06 · 54–60 MIN
Your action plan
Three specific moves to make this week
@thisisndudi
3 / 10
Phase 01 · 0–15 min
Let's start with you
Before we talk money, let's talk about how you feel about money.
OPEN WITH
"You said you feel behind and embarrassed about money — when did that feeling start for you?"
FOLLOW UP
"You mentioned trying to invest once and it didn't stick — what happened? What made you stop?"
ON HER MINDSET
"I love that you said you don't want to waste more time — what does having this sorted actually look like for you in a year from now?"
💡 Tianda is self-aware and actively taking action. The embarrassment is about the past. Validate that she's already doing the right things — today is about the plan forward.
@thisisndudi
4 / 10
Your Starting Point
Here's where you actually are
💰 MONTHLY INCOME
€2,500 – €4,000
Solid foundation to work with
💸 MONTHLY SURPLUS
€1 – €200
Tight right now — but the debt is doing that. It'll free up.
🚨 CONSUMER DEBT
Active — paying it down
Priority #1. High-interest debt is the most expensive thing to hold.
IN PROGRESS
🎓 STUDENT LOAN
Low-interest, fixed rate
Not a blocker. Minimum payments only for now.
LOW PRIORITY
🏗️
Emergency fund: partial — still building
Order is: clear consumer debt → build emergency fund → invest fully. But we can start small right now.
@thisisndudi
5 / 10
Phase 02 · 15–25 min
Debt first or invest first?
The honest answer: it depends — but for you, it's both.
❌ DEBT ONLY — THEN INVEST
✓ Saves interest payments
✓ Reduces financial stress
✗ Misses months of compound growth
✗ Delays building the investing habit
✗ "I'll invest when I'm ready" rarely happens
✅ DO BOTH — IN THE RIGHT RATIO
✓ Debt payments stay aggressive
✓ Even €25–50/month investing builds the habit
✓ You learn while the market works
✓ Not starting from zero when debt clears
✓ Consistency beats perfection, always
💡 The plan for Tianda right now
Consumer debt → pay off aggressively · Student loan → minimum payments only · Investing → start with €25–€50/month now, increase every time debt clears
@thisisndudi
6 / 10
Phase 03 · 25–38 min
Investing in plain English
No jargon. Just what the words actually mean.
🏢
A Stock
A tiny piece of ownership in one company. Buy Apple stock and you own a slice of Apple. It grows when Apple grows. Risky if it's all you hold.
One brick in one building
🧺
An Index Fund
Instead of one company, you buy a piece of hundreds at once. If one fails, the others carry it. Simple, boring, and very effective long-term.
Owning the whole high street
📦
An ETF
An index fund you can buy on an app in two clicks. A basket of investments in one go. Low fees, beginner-friendly. This is what you'll use.
A shopping basket, one click
💡 The takeaway
You don't need to pick individual stocks or follow the market every day. One well-chosen ETF, bought consistently each month, is one of the most powerful things you can do for your future self.
@thisisndudi
7 / 10
Phase 04 · 38–48 min
How to pick an ETF
Three things that matter. Everything else is noise.
💲
Low cost (TER)
Total Expense Ratio — the annual fee. Look for under 0.25%. Even a 1% difference compounds hugely over 20 years.
🌍
Diversified
Spread across hundreds of companies and countries. Not one sector, not one country. Global = safer and more stable.
🏛️
Reputable fund house
Stick to Vanguard, iShares, SPDR. Large, regulated, trusted for decades. Avoid anything small or unfamiliar.
Three starter ETFs for beginners in Europe
Vanguard FTSE All-World. ~3,700 companies across 50 countries. TER: 0.22%. The most diversified option in one click.
CSPX
iShares Core S&P 500. Top 500 US companies. TER: 0.07%. Very low fees, but US-only.
EUNL
iShares Core MSCI World. ~1,400 companies, developed markets. TER: 0.20%. Solid middle ground.
🎯 The move: Pick one. Set up a monthly auto-invest. Don't switch. Don't overthink it. Let time do the work.
@thisisndudi
8 / 10
Phase 05 · 48–54 min
Where to start in the Netherlands
All beginner-friendly, low-fee, and available to you right now.
💚
Trading 212
GREAT FOR STARTING SMALL
Zero commission. Start from €1. The Pie feature sets your ETF allocation once and auto-invests every time you top up. Perfect for tight months.
🟠
Trade Republic
BEST AUTO-INVEST
Very popular in Europe. €1 flat fee per trade. Set a Savings Plan and it invests automatically on your chosen date each month. Removes all decision fatigue.
Already use Revolut for banking? You can invest right inside the app. Lowest barrier to entry. Good for a first purchase.
Strong ETF selection. Free plan available. More features — great once you're investing more regularly and want more control.
💜 For Tianda specifically
Trade Republic or Trading 212 → set up auto-invest for €25–€50/month → pick VWRL → leave it alone. Starting small now is infinitely better than starting big later.
@thisisndudi
9 / 10
Phase 06 · 54–60 min
Your action plan
Three specific moves. Write them down now.
🔮
When consumer debt clears: redirect every euro of that monthly payment straight into investing. That's when things really start to accelerate.
@thisisndudi
10 / 10
Keep Going
Resources to continue your journey
📚 Books
The Psychology of Money
Morgan Housel
I Will Teach You to Be Rich
Ramit Sethi
Wealth on Your Own Terms
Tobi Adekeye
Don't Go Broke Trying
Reni Resource
🎙️ Podcasts & YouTube
Friends That Invest
Podcast & YouTube
Afford Anything
Paula Pant — Podcast
Reni Resource
Don't Go Broke Trying
🌐 Websites
Research and compare ETFs
Plain English explanations
You showed up today. That's already more than most people do. 💜