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Invest in the Future Instead of Paying for Subscriptions (Netflix, Spotify, etc.): How 2,000 CZK (≈ 80 EUR) a Month Can Change Your Financial Life

Today, we are immersed in entertainment and convenience offered by various subscription services such as Disney+, Spotify, and Netflix. These platforms provide us with endless hours of enjoyment, but do we really use them to the fullest—and do we truly need them?

What if the money we spend each month on subscriptions could be invested instead? What if, instead of paying for short-term pleasures, we invested in our future and worked toward financial independence? This is where the connection between financial literacy and investing instead of paying for subscriptions lies.

1. Entertainment vs. Investment

Financial literacy is a key skill that enables us to manage our finances effectively. We should realize that every expense has an impact on our long-term financial health. Paying for subscription services brings us instant entertainment, but what if we started thinking about the future?

  • Subscription services: On average, we pay around 300 CZK (≈ 12 EUR) per month for one service, which can be about 900 CZK (≈ 36 EUR) for three different platforms.

  • Mobile phone with high-speed data: Add to this the monthly cost of about 1,000 CZK (≈ 40 EUR) for a phone plan with fast data, so we are always online and have internet access anywhere, anytime.

  • Investment: Instead, we could invest these 2,000 CZK (≈ 80 EUR) monthly into something that could bring us long-term benefits.

2. The Power of Long-Term Investing

Financial literacy teaches us that it’s not only about how much we earn, but also about what we do with that money. What if, instead of paying for subscriptions, we started investing in our future? Let’s see how this works:

  • Monthly investment of 2,000 CZK (≈ 80 EUR) can bring significant financial advantages over time.

After 10 years, our investment would be approximately 488,702 CZK (≈ 19,548 EUR).
After 20 years, we would have about 1,288,318 CZK (≈ 51,533 EUR).
After 30 years, our portfolio could reach around 2,909,507 CZK (≈ 116,380 EUR).

This model calculation assumes a return of 7% p.a. and shows that long-term investing can have a huge impact on our financial situation. The longer we invest, the greater the potential to achieve financial independence and reach our goals. If we consider the historical average stock market return of 9% p.a. and inflation of 2% p.a., the calculations are expressed in today’s money value.

3. Financial Freedom

Financial literacy and spending on the “right things” show us that our money can be a tool for building a better future. By investing instead of paying for subscriptions, we can achieve the following:

  • Pay off a mortgage earlier: Owning a home without a mortgage can significantly reduce financial stress.

  • Prepare for retirement: Having sufficient retirement savings means a comfortable and worry-free life after work.

  • Invest in new opportunities: Money can be used for investments in new businesses or other opportunities to grow wealth.

Financial literacy gives us the ability to recognize that our money is a tool for building a better future. Investing instead of paying for subscriptions can be a wise decision that helps us achieve financial independence and security for ourselves and our families. It’s time to start thinking about how to invest in the future without giving up all these comforts—and to aim for a monthly investment of around 2,000 CZK (≈ 80 EUR). If we stay invested long term, we can achieve even greater financial independence.

We would be happy to discuss a personalized solution tailored to your needs.

Note: All amounts originally stated in CZK have been converted into EUR using a fixed exchange rate of 25 CZK = 1 EUR.