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Become a Millionaire
Money Mastery
Speaking
Client Results
Tools
About
Blog
Work with Sjoerd
Money Mastery
Speaking
Client Results
Tools
About
Blog
Work with Sjoerd
Every €1,000 a Month You Spend Adds €300,000 to Your Freedom Number
Sjoerd Bak 15/08/2026 Sjoerd Bak 15/08/2026

Every €1,000 a Month You Spend Adds €300,000 to Your Freedom Number

A client saving 71% of his income could not answer one question: what number are you aiming at? Here is the ten-second calculation, and why every €1,000 a month of spending adds €300,000 to it.

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Too Much Company Stock? You Need a Rule, Not the Right Day
Sjoerd Bak 08/08/2026 Sjoerd Bak 08/08/2026

Too Much Company Stock? You Need a Rule, Not the Right Day

He had €760,000 in company shares, a 682% gain and complete paralysis. Here is the risk he was really carrying, why the Irish tax bill is smaller than he thinks, and the rule that replaces picking the right day.

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Why Inheritance Tax Might Be the Fairest Tax Ireland Has
Sjoerd Bak 01/08/2026 Sjoerd Bak 01/08/2026

Why Inheritance Tax Might Be the Fairest Tax Ireland Has

We tax the salary you got up for at 7am, and we barely tax the money that lands in your lap. Here is why I think Ireland has inheritance tax pointed the wrong way, and what I would do instead.

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A Client Asked Me to Remove His Testimonial: How I Handle Trust and Consent
Sjoerd Bak 25/07/2026 Sjoerd Bak 25/07/2026

A Client Asked Me to Remove His Testimonial: How I Handle Trust and Consent

This week a client asked me to remove his testimonial from my website. I took it down straight away. Here is exactly how I handle client words, consent, and the reputation I will not trade.

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The Money Conversation Most Couples Avoid
Sjoerd Bak 18/07/2026 Sjoerd Bak 18/07/2026

The Money Conversation Most Couples Avoid

In almost every couple, one person carries the money. Here are four gentle questions to make sure your plan does not live or die with just one of you.

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The Tuesday Nobody Films: What Financial Freedom Really Looks Like
Sjoerd Bak 11/07/2026 Sjoerd Bak 11/07/2026

The Tuesday Nobody Films: What Financial Freedom Really Looks Like

I thought the prize for leaving tech would be the highlight reel. It wasn’t. It was the ordinary morning nobody films. Here is what financial freedom actually looks like, almost two years on.

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Who Is in Your Corner When the Market Falls?
Sjoerd Bak 04/07/2026 Sjoerd Bak 04/07/2026

Who Is in Your Corner When the Market Falls?

My portfolio dropped €72,083 in one month this year. Here is why the person in your corner matters more than your stock picks when the market falls.

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My Pension Hit €600,000: Why I May Never Contribute Again
Sjoerd Bak 27/06/2026 Sjoerd Bak 27/06/2026

My Pension Hit €600,000: Why I May Never Contribute Again

This week my pension passed €600,000. I have not contributed in two years, and the maths says it can grow into Ireland’s biggest legal pension on its own. Here is why.

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What a Trillion Actually Looks Like (And Why You Don’t Need One)
Sjoerd Bak 20/06/2026 Sjoerd Bak 20/06/2026

What a Trillion Actually Looks Like (And Why You Don’t Need One)

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SCSB: How Irish Tech Workers Keep More of Their Redundancy Tax-Free
Sjoerd Bak 13/06/2026 Sjoerd Bak 13/06/2026

SCSB: How Irish Tech Workers Keep More of Their Redundancy Tax-Free

SCSB decides how much of your Irish redundancy you keep tax free. Here’s the formula, two worked examples, and the pension move that protects even more.

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Everyone’s a Finfluencer Now. Here’s How to Spot the Real Deal
Sjoerd Bak 06/06/2026 Sjoerd Bak 06/06/2026

Everyone’s a Finfluencer Now. Here’s How to Spot the Real Deal

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The Irish Pension System Was Built for Men
Sjoerd Bak 30/05/2026 Sjoerd Bak 30/05/2026

The Irish Pension System Was Built for Men

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How €20,000 Becomes €11,000 or €108,000
Sjoerd Bak 23/05/2026 Sjoerd Bak 23/05/2026

How €20,000 Becomes €11,000 or €108,000

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Is There Ageism in Tech? Or Do You Just Want Out?
Sjoerd Bak 16/05/2026 Sjoerd Bak 16/05/2026

Is There Ageism in Tech? Or Do You Just Want Out?

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The Market Just Tested Me. Here’s Why I Didn’t Flinch.
Sjoerd Bak 09/05/2026 Sjoerd Bak 09/05/2026

The Market Just Tested Me. Here’s Why I Didn’t Flinch.

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The Most Expensive Money Mistakes Are the Ones You Can’t See
Sjoerd Bak 02/05/2026 Sjoerd Bak 02/05/2026

The Most Expensive Money Mistakes Are the Ones You Can’t See

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The Hidden Risk in AI Financial Plans
Sjoerd Bak 18/04/2026 Sjoerd Bak 18/04/2026

The Hidden Risk in AI Financial Plans

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€150 Isn’t the Price of Advice. It’s the Price of Your Attention.
Sjoerd Bak 11/04/2026 Sjoerd Bak 11/04/2026

€150 Isn’t the Price of Advice. It’s the Price of Your Attention.

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You Probably Overpaid Your Tax. Here’s How to Claim It Back.
Sjoerd Bak 04/04/2026 Sjoerd Bak 04/04/2026

You Probably Overpaid Your Tax. Here’s How to Claim It Back.

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A Price Tag Is Not a Promise: The Risk of Holding Your Company Stock
Sjoerd Bak 28/03/2026 Sjoerd Bak 28/03/2026

A Price Tag Is Not a Promise: The Risk of Holding Your Company Stock

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