r/EuropeFIRE
361k members
r/EuropeFIRE is a subreddit with 361k members. The most common kinds of discussions are advice requests and money talk, and the community frequently discusses fire, europe, retirement, investment, and portfolio, and they frequently recommend/review online broker, high yield savings account, and etf portfolio.
This sub is about reaching financial independence (FI) in Europe before age 60, which means that working is no longer a financial necessity. FI is achieved by accumulating sufficient invested capital, the returns of which finance life into old age - though fixed pensions may complement it later for sufficient long-term safe withdrawal rates. This sub welcomes discussions about any spending level from PovertyFIRE up to FatFIRE as long as it is fully supported by capital returns.
Popular Themes in r/EuropeFIRE
#1
Advice Requests
: "Spain 34M - Three-year semi-FIRE update: some things I did not expect"
20 posts
#2
Money Talk
: "$3.6M. I think I’m done here"
19 posts
#3
Solution Requests
: "Just created a (EU-ETF) Portfolio Analysis Tool! -Try it out and let me know-"
6 posts
#4
Pain & Anger
: "How do you avoid lifestyle creep when everything feels expensive?"
4 posts
#5
Ideas
: "I got tired of FIRE calculators assuming a flat 7% return, so I built a free Monte Carlo simulator to test real market volatility."
4 posts
#6
Self-Promotion
: "Long term personal finance planning app under development"
1 post
Popular Topics in r/EuropeFIRE
#1
Fire
: "NL Box-3 reform nearly doubles lifetime tax (delays my Fire by 8 years)."
87 posts
#2
Europe
: "My investments are growing faster than my salary, and I'm starting to question a 2-hour commute (Europe)"
66 posts
#3
Retirement
: "Bridging the gap to Retirement at 44. Is it possible in Austria?"
31 posts
#4
Investment
: "Italy vs Netherlands for Investment taxation"
23 posts
#5
Portfolio
: "Did you switch platforms as your Portfolio grew, or stick with what you started with?"
18 posts
#6
Tax
: "NL Box-3 reform nearly doubles lifetime Tax (delays my FIRE by 8 years)."
14 posts
#7
Investing
: "ETF Investing is boring… is that actually the point?"
14 posts
#8
Eu
: "Comparison: European Brokers with REAL Access to US Stock Exchanges (NYSE & NASDAQ) – 2026"
14 posts
#9
Finance
: "Long term personal Finance planning app under development"
13 posts
#10
Income
: "FIRE: energy career path to maximize net Income (English/Italian)"
12 posts
Products Discussed in r/EuropeFIRE
Online Broker
4 reviews
#1
Interactive Brokers
5.0★ from 1 review
#2
DKB
4.0★ from 1 review
#3
Scalable Capital
4.0★ from 1 review
High Yield Savings Account
2 reviews
#1
XEON
4.0★ from 1 review
#2
TradeRepublic
4.0★ from 1 review
Etf Portfolio
2 reviews
#1
All World ETF
5.0★ from 1 review
#2
Vanguard
5.0★ from 1 review
Flair Used in r/EuropeFIRE
#1
Question
: "Are your fire plans changing along with the world around you?"
1 post
Member Growth in r/EuropeFIRE
Yearly
+16k members(4.5%)
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About
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Last updated: July 22, 2026