The ladder
- Up to €25,000 (€5,000, €8,000, €12,000, €15,000, €20,000): become unbreakable — tax reserve, buffer, gear. → the first €10,000 plan
- €25,000 – €75,000 (€30,000, €40,000, €50,000, €60,000): structure beats portfolio — the BV (besloten vennootschap, the Dutch private limited company) decision, buffer to six months, first automatic investing. → the €50,000 plan
- €75,000 – €250,000 (€80,000, €100,000, €150,000, €200,000): the four-block napkin — floor, structure, machine, fuel. → the €100,000 plan
- €250,000 – €750,000 (€300,000, €400,000, €500,000, €600,000): the family-office rhythm — written policy, the €500,000 home-loan route, a first property. → the €500,000 plan
- €750,000 and up: the seven things that should already exist. → the first million
Why brackets rather than exact amounts
The plan changes at thresholds, and only there: the moment a six-month buffer stands, the profit level where a BV beats personal income, the base from which one property is a position instead of a bet, the €500,000 borrowing line. Between thresholds, €38,000 and €52,000 get the same advice with different block sizes — pretending otherwise is precision theatre.
One refinement: where the money sits
The same amount plays differently depending on its address. Money already inside the company keeps compounding at 19% and invests where it stands; personal savings use the box 3 allowance first. The full comparison: company or privately.
And if the amount is mid-jump
Growing fast between brackets? Read your current bracket and the next one — the next plan tells you what to prepare before the money arrives, which is the entire trick of this ladder. Every question in one place: the index.