On a graduate salary of 35k, I saved 30k. How should I grow it?

[Anonymous No.11855521]

Some info about me -
I'm a Full-Stack Developer working at one of the big tech companies for just about 13 months now. I received this job straight out of college, hence the low salary. I expect it to grow significantly two years from now when I have a total of three year's experience.
I'm not interested in waiting for a salary bump between now and then so in the meantime, I'd like to explore ways to increase my income.
I have zero expenses aside from a Monthly, non-consecutive 30-day bus ticket that costs €160. I tend to work from home a lot so a single ticket could last me two months.
All my hobbies are either online or involve sport. None of which cost me anything.
I'm pretty young (24) so I still live at home.
I planned on investing my savings by getting a mortgage and buying a house, renting out spare rooms to pay for it. Unfortunately, I don't qualify for a big mortgage because I'm restricted by how much I can borrow by the central bank limits in place. I cannot borrow more than 3.5 times my yearly salary. In other words, I need to be earning 100k annually to borrow 350k. This disqualifies any and all investments in properties/land.
I wanted to get into bonds / stocks / funds but the return is shit (4%), not worth the risk.
Interest rates at all banks are at 2% so I'm not earning anything from the cash sitting in my account, after banking fees.
I know there's no rush at my age but I feel I can gain and grow my savings by investing now. I just don't have the knowledge and I'm too much of a pussy when it comes to the risks involved.
What could I do in terms of (safe) investments and how could I earn additional income?
Note that I'm a single male living in Ireland. Not looking for a date or hookup, just thought it's worth noting in case there are options that involve partners/spouses.

[Anonymous No.11855802]

Try to get 10 btc and retire early

[Anonymous No.11855858]

>I still live at home
>(safe) investments and how could I earn additional income
Negro if you don't have a place a to live, buy a place to live. This is the best investment you can make at this point. Save up some more though. You can always sell it later, don't think of it as a permanent place where you will settle, it's just property

[Anonymous No.11855880]

>>11855858
> I planned on investing my savings by getting a mortgage and buying a house, renting out spare rooms to pay for it. Unfortunately, I don't qualify for a big mortgage because I'm restricted by how much I can borrow by the central bank limits in place. I cannot borrow more than 3.5 times my yearly salary. In other words, I need to be earning 100k annually to borrow 350k. This disqualifies any and all investments in properties/land.

> Negro if you don't have a place a to live, buy a place to live.

Bruh

[Anonymous No.11855913]

>>11855521
You should take risks when you're at low age. Saving at low-risk stocks accounts wont get you as far as a high-risk one. There aren't any great tips right now, I think we all agree a big correction is coming in every major market. I'd say hold on to it for now and take a peak at crypto down the line (4-5 year from now). Might still be worth it when it starts increasing in price again

[Anonymous No.11855931]

>>11855521
Your salary is low as fuck. Move to California, make 100K starting and rent one room in a 4 br apartment for $1500/mo. If youre not a brainlet you can save 50K+ a year and eventually be making 250k+/yr.

[Anonymous No.11856019]

>>11855913
> I think we all agree a big correction is coming
Ya, and that's what I'm afraid of putting my savings into a fund.

>>11855931
California is full of tech fags that sleep in their cars.
Fuck that shit. I'll be making 65k in two years time and then 100k when I accumulate a total of 5 years experience.
That's a lot of money in Europe. Most people stick to 40k for ten years and go up 5k each year after that. salaries in Europe are fucking bs compared to the US.

[Anonymous No.11856028]

>>11855913
>You should take risks
Only the ones you're comfortable with. Some people don't like risk and if a person like that fucks up with a risky investment, they may fucking kill themselves. Risk isn't for everyone.

[Anonymous No.11856058]

>>11856028
Statistically the more risks you take the more you make over time (assuming the market generally goes up). He is a glorified IT-guy so he should be relatively smart enough to not make retarded risks

[Anonymous No.11856070]

you are being criminally underpaid

[Anonymous No.11856084]

>>11855521
Invest in agriculture. It's 1929 now. After USD crashes Ireland which is a vassal backwater will go back to 1970's. The IQ there is lowest in Europe - Google it! It's only considered a first world country because of accounting fraud.

The party will end with the next recession together with the much memed petro-dollar. Mark my words. And don't believe me - research for yourself.

Dumbest people in Europe, high-unemployment and stagflation don't work well. There will be gangs going around the same way you guys demolished a Lidl.

Boomer rocks i.e. gold (if you can hide them well) are a good investment. Agriculture is a good investment.

Short western wamen, you don't know what STD strains they carry; common wealth (whatever that bullshit means in that gulag) judges apparently can claim money from you even if you live with a bitch but you're not married.

Seriously tho when brexit kicks in Northern Ireland will get stiffed. This means a hard border.

I would re-train as a combat engineer (sapper) and move to Belfast or some other gulag on the border.

Aside from the killings the border will bring great ways to make money like smuggling garlic which is strictly controlled and makes a good profit.

You can say start building drones and sell them to people who will smuggle garlic over the border.

You can start a 3d printing business making prosthetic teeth and skull pieces to ppl who get blown up at the border.

[Anonymous No.11856119]

>>11856058
>Statistically the more risks you take the more you make over time
You're saying that statistically risky investment isn't risky. Maybe you should reframe what you consider "risky" if your studies tell you it's not actually risky

[Anonymous No.11856138]

>>11856119
I consider risky basically high volatility

[Anonymous No.11856155]

>>11856119
And "making more money over time" doesnt contradict an assets risk status

[Anonymous No.11856265]

>>11855913
>There aren't any great tips right now
WUT? You must be kidding. The opportunities are even better then in 2017.

Unlike the moron linkies and other bagholders I made a 500% profit on Litecoin and cashed out of the casino in 2017. Unlike everyone else I made a profit off crypto. That's only because I *saw it was a bubble and traded it as one*.

We're in 2007 now. Next year definitely will be a recession. There wasn't one in 10 years which means it will be horrendous. Stupid Trump is extending the cycle. He will be blamed for the crash.

I moved all my crypto gains to gold and once the shit goes down I will cash out at peak. I only care about the value, don't give a shit about bullshit whether crypto or a gold standard are the 'future'.

[Anonymous No.11856301]

>>11856265
Actually if you really want to make bank you should buy silver not gold. In stupid Europe there is a tax on silver but not on gold.

[Anonymous No.11856353]

>>11856070
Hence why all the tech companies have their international headquarters in Dublin. Aside from the low corporate tax.

[Anonymous No.11856416]

>>11855521
>living in Ireland
Ireland is fucked beyond belief and will be a third world shithole in a few years. Go to the US, it's the only real hope for the west at this point. I'm Irish and I moved here a year ago.

[Anonymous No.11856562]

>>11856416
The US central bank (fed) is creating huge distortions. Burgers will crash their economy and bring down Ireland with it.

If I were him I would move to Frankfurt to weather the storm. Brexit will create food shortages and IRA will be running around in the streets.

When push comes to shove someone needs to be stiffed and it's Northern Ireland that will get the short end of the stick.

The britfags don't care about the fallout of what they are doing. It's a death sentence on places like Omaghistan and Eniskillistan.

There will be British soldiers pointing machine guns in faces of everyone passing the hard border.

[Anonymous No.11856628]

>>11855521
Srsly stock up on food anon