Are you 30 years old and you wanna be fully retired in 45 ?

If you will invest only 200 € each month, with Interest rate 10% per year you will be retired (minimum requirements as is food, home, …) after 15 years when you will earn only on interest rate 5845 € each year!!! This is ok for my cheap country , If you will need to live 29225 € per year you will must save each month 1000 € for period of the 15 years…

Goal is to save how much as is possible, use all tax advantages (run own biz, pay low on taxes, return some taxes from the government) and invest only to high interest rates investmentents as is stocks with good dividends (now my primary stock giving me dividends 11,8%). You must invest, not save! Interest rate 1-3% will kill your money! With interest rate 1-3% and inflation 1-3% you are on ZERO . So I’m personally using stocks, good, traditional, big firms, with dividends 6+ percents per year. Now my primary stock giving me 11,8% of dividends, this is investing which will take me "out"!