r/EuropeFIRE
357k members
r/EuropeFIRE is a subreddit with 357k members. The most common kinds of discussions are money talk and advice requests, and the community frequently discusses fire, europe, retirement, investment, and portfolio, and they frequently recommend/review etf broker, travel rewards credit card, and travel rewards.
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
Money Talk
: "$3.6M. I think I’m done here"
16 posts
#2
Advice Requests
: "Now that the NL is about to tax unrealised gains, where in the EU is best to accumulate & invest for FIRE, besides Luxembourg and Switzerland?"
15 posts
#3
Solution Requests
: "Just created a (EU-ETF) Portfolio Analysis Tool! -Try it out and let me know-"
7 posts
#4
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
#5
Pain & Anger
: "How do you avoid lifestyle creep when everything feels expensive?"
2 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)."
112 posts
#2
Europe
: "German Chancellor Friedrich Merz calls for single European stock exchange"
78 posts
#3
Retirement
: "Bridging the gap to Retirement at 44. Is it possible in Austria?"
43 posts
#4
Investment
: "Investment vs Mortgage payment dilemma"
42 posts
#5
Portfolio
: "Did you switch platforms as your Portfolio grew, or stick with what you started with?"
26 posts
#6
Income
: "Low stress, low skill side Income in the Netherlands?"
18 posts
#7
Investing
: "ETF Investing is boring… is that actually the point?"
17 posts
#8
Tax
: "NL Box-3 reform nearly doubles lifetime Tax (delays my FIRE by 8 years)."
16 posts
#9
Finance
: "Long term personal Finance planning app under development"
16 posts
#10
Eu
: "Low cost, tax-efficient index funds for Dutch residents?"
14 posts
Products Discussed in r/EuropeFIRE
Etf Broker
7 reviews
#1
Interactive Brokers
4.5★ from 2 reviews
#2
DeGiro
4.0★ from 2 reviews
#3
Lynks
4.0★ from 1 review
Travel Rewards Credit Card
6 reviews
#1
Bank Norwegian Credit Card
4.0★ from 1 review
#2
ING
4.0★ from 1 review
#3
SAS
5.0★ from 1 review
Travel Rewards
5 reviews
#1
American Express
3.0★ from 1 review
#2
Miles & More
4.0★ from 1 review
#3
SAS
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
+13k members(3.7%)
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About
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This page gives a focused view of r/EuropeFIRE, including current member size, discussion patterns, product reviews, and related communities to explore.
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Last updated: June 7, 2026