Jean Galea

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My Thoughts on the FIRE Concept and Movement

Last updated: April 15, 202610 Comments

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FIRE stands for Financial Independence/Retire Early. It’s a term that was coined in the United States by personal finance bloggers who started to blog about their journeys of achieving financial independence with the aim of escaping the rat race and retiring earlier than the standard 60-65 age bracket. Obviously this is a hugely attractive proposition […]

Filed under: Money, Thoughts & Experiences

Mintos Review 2026 – My Results in 9 Years and Over €150,000 Invested

Last updated: April 22, 2026Leave a Comment

mintos

Open a Mintos account TL;DR Mintos is Europe’s largest P2P lending marketplace, regulated under MiFID II in Latvia After 9 years and EUR 150,000+ invested, my net annual return averages ~9% 60+ loan originators across 33 countries with a buyback obligation on most loans Best for experienced investors comfortable with originator risk — not suitable […]

Filed under: Money

How to Win Padel Matches at Amateur Level

Last updated: March 23, 2026Leave a Comment

Most padel players at any level enjoy watching World Padel Tour matches and dream of imitating the moves of their favorite padel players. However this might not be the most effective way of spending your time if you’re an amateur player and are trying to win more matches. What does being an amateur player really […]

Filed under: Money, Padel

My Morning Routine

Last updated: February 15, 20232 Comments

I have a fairly structured morning routine that I’ve developed over the years. It used to go something like this before we had kids: Wake up and go to the toilet. Go back to bed for an HRV reading. Take a shower immediately. Brew a cup of coffee with coconut oil and do a ten-minute […]

Filed under: Money, Thoughts & Experiences

Gambling v Investing: The Similarities and Differences

Last updated: April 16, 2026Leave a Comment

Investing in the stock market carries inherent risks. Just like gambling, it involves the risking of capital in the hope of future financial gains. Both involve speculating on an outcome that can’t be guaranteed – however, there are also some key differences to bear in mind. Let’s take a look at the similarities and differences […]

Filed under: Money

Should You Buy North or South Facing Property in Spain?

Last updated: March 12, 20261 Comment

A common question in the property scene is whether one should buy a south or north facing property. South facing provides the best conditions for sunlight, considering factors like the difference between morning and afternoon sun. Suitable lighting and direct sunlight impact directly in a very significant way many things from mood to electricity costs. […]

Filed under: Money

How to Determine Your Chronotype and Plan Accordingly

Last updated: April 15, 2026Leave a Comment

I learned about chronotypes from sports sleep coach Nick Littlehales. While I’ve never had much trouble sleeping, I have struggled on and off with going to sleep and waking up at the right times. Your chronotype describes your sleeping characteristic – whether you’re a morning person or an evening person. Chronotypes are genetic traits and […]

Filed under: Money, Thoughts & Experiences

Navigating Through Life’s Scams, Quackery, Fake Science and Outright Bullshit

Last updated: April 15, 20262 Comments

One thing I’ve realized during the past 5 years or so is the mind-boggling amount of crap information that’s passed around as absolute truth. Of course, the arrival of the internet only hugely magnified this problem, so we live in an age where it can be extremely difficult to know what’s true and what’s not. […]

Filed under: Money, Thoughts & Experiences

Avoiding Smartphone and Social Media addiction

Last updated: March 12, 2026Leave a Comment

Update March 2026 — I’ve moved on from the dual-phone approach. These days I use a browser extension to strip the addictive elements out of social media instead. See: How I Stripped Social Media Down to What Actually Matters. Smartphone usage and social media have become very detrimental to our attention spans and the ability […]

Filed under: Money, Thoughts & Experiences

Expat Guide to Spanish Taxation – Welcome to Europe’s Tax Hell

Last updated: March 28, 20268 Comments

One of the most common mistakes expats make is not researching the tax situation of their new country before they move there. This can lead to some very bad news further down the road. Let’s have a look at Spain, which has a lot of taxes that people coming from other countries might not be […]

Filed under: Expat life, Money

Buying a Mattress in Spain

Last updated: April 16, 20263 Comments

Here are a few notes I made while researching the purchase of a mattress in Spain. The mattress industry is aimed at confusing customers with excess supply, pushy sales tactics and high prices, so you have to be careful. Do not consider any company that offers a trial period of less than 100 days. For […]

Filed under: Expat life, Money

How to Evaluate Private Real Estate Investment Proposals (2026 Guide)

Last updated: April 02, 20263 Comments

TL;DR: Private real estate deals can net 2-3x the returns of crowdfunding platforms, but the risks are proportionally higher. After watching dozens of European RE crowdfunding platforms collapse since 2020 (Housers, Crowdestor, Rendity, and more), I’ve sharpened my evaluation framework. This guide covers what to look for, what to ask, and what red flags should […]

Filed under: Money

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Jean Galea

Investor | Dad | Global Citizen | Athlete

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