Last updated: 27 August 2026
What you can check before you pay me anything
Most of what I claim was inside the book you have to buy to read it. That is a circle, and if you are the kind of person who noticed, you are exactly who I want here. So this page is the evidence, free, before any money changes hands. It includes the parts I cannot prove.
Start with the one you can reproduce yourself
This is the strongest thing on the page, because you do not have to believe me. Open the public Estonian salary calculator (the page is in Estonian) and put in €8,501.29 of employer cost.
Two notes, because precision matters more than a neat claim. I was not paying into the second pillar at the time, which is why the arithmetic lands on €5,001.66 rather than €4,900. And the payslip is from my €5,000 years, before Estonia raised income tax from 20% to 22% in 2025 and replaced the tapered basic exemption with a flat €700 a month.
Run the same employer cost today, on the same basis, and the net is about €5,031. It went up, because the flat exemption is worth more at this salary than the extra two points of tax cost. The calculator on this site assumes a 2% second-pillar contribution by default, so it will show you nearer €4,931. The rates moved. The gap did not.
That is the point. about €42,000 a year, attached to my job, that I had never once looked at in nine years of being good at it. You do not have to take my word for the size of it. You can produce it yourself, in a tool the state runs.
The portfolio, by where it came from
People assume the growth did the work. It did not. This table makes the story less impressive, which is the point of publishing it.
| Money I moved from my pay | 60.4% |
| What the market added | 27.6% |
| One flat, sold in 2026I bought it, held it, sold it for more | 7.9% |
| Pension | 4.1% |
| Every share option, whole careerFifteen years. That is the whole total | 0.5% |
Sixty percent of a seven-figure portfolio is a payslip, redirected. That is the boring answer and it is the only one I have. Half a percent is every share option I was granted in fifteen years, which tells you most of what you need to know about share options.
What the word “portfolio” actually covers
The word gets abused, so here is what mine is actually made of. The mix is the part that matters. The size of it is in the book, not here.
| Property | 49.8% |
| Bonds | 41.2% |
| Pension | 4.1% |
| Cash | 2.8% |
| Stocks | 1.6% |
| Options | 0.5% |
The property is four flips that I finance. Somebody else does the work. It earns more than an index fund because it carries risk an index fund does not: capital, execution, and I cannot sell it on a Tuesday.
It returns more than an index fund does. Do not expect that, and do not plan with it.
The career, and which parts are checkable
2010–2015
Lindström. Renting carpets to restaurants, starting at €700 a month. Regional sales manager by the end, at €1,500.
Check it: LinkedIn, public and dated
2015–2018
Panasonic. Commercial displays. €2,000 a month net base, with a capped bonus.
Check it: LinkedIn, public and dated
2018–2021
Fiizy. Built the Polish affiliate market to about €3M in recurring revenue.
Check it: LinkedIn. The revenue figure is a company number and you cannot check it
2022–2024
Deel. First of more than 250 account executives globally in the first half of 2023. Quota attainment of 120%, 171%, 178% and 201%.
Check it: LinkedIn, plus the award. The attainment figures are internal records
2024–2026
Brite Payments, then FullEnrich as Expansion Lead for EMEA. Largest single contract €600,000, closed in under six months.
Check it: LinkedIn, public and dated
The three mistakes
Admitted failures are the cheapest credibility there is, and these are the only ones that exist. Nobody should invent a fourth.
Five years at a company that could not pay me
Lindström. It was not a performance problem. The product was cheap and the market was 1.3 million people, so the economics could not support paying me well however hard I worked. I saved essentially nothing in those five years.
Nine years not noticing that employment was not the only way to be paid
I took a €5,000 salary against €1,500 of living costs and paid tax on all of it, without ever looking at what my employer was spending. I fixed it with one conversation, nine years late.
The year I saved 80% of my income
It nearly broke me, and the year after I saved less than if I had never tried. A savings rate you abandon is worth less than a smaller one you keep.
Check me
- Career, public and dated: LinkedIn
- My companies, on the Estonian e-Business Register: Growthpoint OÜ and Affiliate Services OÜ
- The salary arithmetic: kalkulaator.ee, a public Estonian calculator, not mine
- How every number on this site is worked out: the methodology
What I cannot prove, and will not pretend to
You cannot see my brokerage account and you should not take anybody's word for one. Four things on this site are unverifiable and it is better that I say so than that you find out.
- The total. It is in the book and the community, not here. And a balance is not checkable anyway, by anybody, on any website.
- That anyone can repeat it. One person is not a sample. I am not making that claim.
- That my return is repeatable. It is payment for risk I am taking, in a business.
- That the community produces outcomes. It launched in August 2026. Ask me in 2029.
Questions people actually ask
How big is the portfolio, and can you prove it?
The total is in the book and in the community, not on this page. Not because it is embarrassing, but because a number like that is the least useful thing I could give you and the easiest thing to argue about. What I can give you is the composition, the arithmetic and the parts you can check independently. And a screenshot of a balance would prove nothing anyway, because a screenshot can be made.
Is the portfolio really from a salary?
60.4% of it is money I moved out of my pay. 27.6% is what the market added. The rest is one flat, a pension, and every share option I was ever granted, which came to half a percent. There was no inheritance, no exit and no crypto. I started on a payslip and moved to a service agreement partway through, and that switch is one of the five levers the book is about.
What return do you get, and should I expect it?
More than an index fund, and no, you should not expect it. Most of it comes from financing property flips, which is nearer to a business than to investing. It carries capital risk, execution risk, and I cannot sell it on a Tuesday. Nobody pays you a double-digit return out of kindness. If you build a plan on my number you will be wrong, which is why my number is not the one you should be planning with.
Can anyone replicate this?
I do not know, and I am not going to claim it. I do not know your market, your manager or your rent. What I can tell you is what the five levers were, what each was worth in euros, and which ones I got wrong first. The arithmetic works the same for everybody. Whether you can pull the levers is your call, not my promise.
Have members of the community achieved this?
No. The community launched in August 2026. Nobody has reached financial independence through it and nobody will for years. Anything I showed you instead would be invented, so there is nothing here. Only time fixes that one.
Are the guest speakers endorsing your investing?
No. They run sessions on their own subjects: enterprise sales, content, recruiting. None of them advises on investing and none has endorsed what I do with my money. That part is mine.