Welcome
FIRE Belgium
Learn to take control of your finances and invest better
so that you can live more and give more.
FIRE Belgium is here to help you build financial security and pursue financial independence through education and the power of community.

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What we do
What is FIRE Belgium
FIRE Belgium is a personal finance education business and community based in Belgium.
We are here to help you build financial security and financial freedom, one step at a time.
We use simple and effective methods to take control of our finances and progress towards Financial Independence and Early Retirement (FIRE).
What We Offer
What YOU will Learn
Unlock Freedom
How good personal finance can unlock incredible freedom in your life
Earn & Save
How to earn and save more
Invest Effectively
How to invest effectively for the long term
Create Freedom
How to create freedom and options in our lives
Financial Independence
How to plan for financial independence
What Our Meeting Looks Like
Meet OUR Team

What we Offer
What is Financial Independence?
You’re financially independent when you have enough wealth or passive income to pay for your living expenses for the rest of your life. You don’t need to to work for money and you don’t depend on others financially.
While often presented as a goal, financial independence is a journey.
Most people start by being highly dependent on their job (or on others) for income. As you learn to take control of your finances, you gradually build financial security and then financial freedom in your life up. Step by step you improve your financial situation until the point where have the choice to quit your job without having to worry about money.

Our Simple Process
The SIMPLE Path to Financial Independence
It’s NOT about depriving yourself and cutting out everything (like the media often presents it), it’s about spending money on what you value in an efficient way. Reducing expenses is often the easiest and quickest way to boost our savings. Optimizing your spending can help you build some financial security fast!
This is so that you have a buffer for when something unexpected (and expensive) happens. This is your first line of defense (social security is part of your defense too).
This is the other way of increasing your savings. It’s usually harder to do but it’s well worth spending time figuring this out. While there is a limit on how much you can cut your spending, there isn’t one on how much you can earn (provided you are willing to learn and work for it).
This is an essential part of the FIRE approach. You want your savings to work hard for you, in a way that is sustainable in the long term and that matches your risk capacity. Here we like index investing because it’s probably the most efficient way to build wealth completely passively.
This is based on the 4% guideline often used in the FIRE community. It’s just a guideline which needs to be adapted to your personal situation (age, other sources of income, pension, social security, etc.).
This is when you do not depend on your job income to pay for your living expenses. You can live off the returns of your investments, doing minimal work. When you’re FIRE, you can choose what to do with your time, without money being a major constraints. You can choose to travel, enjoy your hobbies, spend time with your loved ones, start a passion project or you can choose to continue to work. The goal is for you to find what brings you fulfillment (and doing nothing rarely achieves that 🙂
At FIRE Belgium, we believe money and financial independence are great tools to building a fulfilling life. We see investing and financial independence as enablers for good. With increased control on our finances, we create choice and opportunities in our lives. And with increased financial security, all the way to financial independence, we unlock superpowers that can help make the world a better place.
We believe this simple knowledge is for everyone to benefit from, and we aim to bring it to everyone in Belgium.