I’ll start with the second part of the title: today, I didn’t enjoy what I ate. I ate some soup, as was pretty much necessary, since my brother and I wanted to eat the remaining soup of the week, so our grandma could give us some more for next week. I ended up eating most of what was left - exactly a bowl’s worth, which is what I always eat for lunch - but it was very unsatisfying. Not only was the soup quite thin, it wasn’t even particularly tasty… Well, we can’t expect it to be the best thing ever, every time, but still. Especially considering I ate fast food yesterday - Wok to Walk veggie rec - today was just violently underwhelming. Breakfast was delish, as usual - 250 ml of chocolate milk and an apple - but the day as a whole felt pretty bad, food-wise, on account of lunch.

Now, for decisions. I invest thru XTB, which is fine. I don’t have anything against XTB - it does everything I need it to, in the way I want it to, the app is good, the web interface is good - but it does have one glaring issue: there’s a maintenance fee once the account reaches 250k€. Mind you, not only is that a lot of money that will take me several years to accumulate, but the fees are very minor. In total, it would cost me something like 3€ a month to have 1M€ (!!) on there. That’s really not a big deal. Additionally, time changes everything; by the time I get to having that much money (which I do hope to, one day), their policy might change!

Here’s the thing: there’s Trading 212. They do something similar to XTB, but they seem not to have this additional fee.

However, to switch from XTB to Trading 212, I’ll need to spend 25€. A shame, yes, I should’ve looked better, yes, and I should’ve gone with Trading 212 from the start… Whatever. What’s done is done. Now, I can choose to switch now, or to hold on and switch only when I’m about to reach the point at which I’ll be having to pay fees. Thing is, just as the fees may change, so may the price of the change! Maybe lower, sure, but also maybe higher. Also, Trading 212 could change their mind and start charging too, so if I switch now, I could pay 25€ to just get fucked in 10 years anyway.

Decisions…

I think I’ll just hold on to XTB for now, and change when it seems more appropriate. For all I know, an even better option may show up in the next few years. I feel like that’s a pretty good bet, actually.

I’m actually quite hungry, right now… I may just eat another apple.