https://dmitriiborisenko.blog/en/categories/finance/ Recent content in Finance on Dmitrii Borisenko Hugo en-US Mon, 07 Sep 2026 00:00:00 +0300 https://dmitriiborisenko.blog/en/notes/3-years-of-fin-track/ Mon, 07 Sep 2026 00:00:00 +0300 https://dmitriiborisenko.blog/en/notes/3-years-of-fin-track/ <p>It may sound a bit obsessive, but seeing the whole flow of your personal finances gives me a sense of stability and confidence. Instead of thinking <em>&ldquo;I guess I&rsquo;m saving enough&rdquo;</em>, I can actually look at the numbers.</p> <p>Since 2026 isn&rsquo;t over yet, for the year-over-year comparison I used only <strong>January–August</strong> for each year.</p> <h2 id="1-income-and-spending">1. Income and spending</h2> <p><img src="https://dmitriiborisenko.blog/en/notes/3-years-of-fin-track/4.jpg" alt="Income and spending"></p> <p>Overall, the picture looks relatively stable. My goal has been to save around <strong>50% of my income</strong>.</p> https://dmitriiborisenko.blog/en/notes/employee-or-founder/ Fri, 05 Jun 2026 00:00:00 +0300 https://dmitriiborisenko.blog/en/notes/employee-or-founder/ <p>One statistic completely changed how I think about careers.</p> <p>Most people underestimate two things at once:</p> <ul> <li>how hard it is to become a top earner as an employee;</li> <li>how hard it is to build a successful business.</li> </ul> <p>I tried to put both distributions side by side, and the result surprised me. If the goal is to earn more than 500k a month, entrepreneurship is the more likely route.</p> <p><img src="https://dmitriiborisenko.blog/en/notes/employee-or-founder/income-distribution.png" alt="Monthly personal income across employees"></p>