This is the first stop for every new member. Drop a comment below and tell us a little about yourself. Don't overthink it — just answer these four questions: 1. Where are you based? (You don't need to be specific — country or region is fine) 2. Where are you at with investing right now? Just getting started, building your portfolio, already generating income, or somewhere in between? 3. What ETFs are you holding or watching? SPYI, QQQI, SCHD, QQQ, VTI, something else? No judgment — we all start somewhere. 4. What's the one thing you're trying to figure out right now? Income replacement, covered call strategy, how to build a portfolio from scratch, tax treatment — whatever's on your mind.

Hi there I am a complete beginner when it comes to investing. I am starting my journey pretty much now and I'm very interested in investing in ETF's. I have a very small amount invested in crypto and hope to learn from those who have been there and done it.

A little about me: I'm an American living in Melbourne, Australia. The "Frugal Expat" name actually came from my time living and traveling in Taiwan. I was living frugally, writing about travel and personal finance, and chasing the idea of financial freedom. Along the way I discovered that ETF investing was a simpler, smarter path to building real wealth than anything else I'd come across. I run The Frugal Expat on YouTube, where I cover income ETFs, covered call strategies, dividend growth, and building portfolios that work in the real world. I hold VTI, QQQM, and QQQI personally, so everything I talk about here, I have skin in the game on. Before all of this, I taught English in Taiwan, ran camp programs, and spent a lot of time writing about travel. Money was always something I had to figure out the hard way, without a roadmap. That's a big reason I built this community. I wanted a place where people could get real answers, not just surface-level takes. What you can expect from me here: - Honest breakdowns of ETFs I'm watching, holding, or avoiding - Content that goes deeper than what fits in a YouTube video - Real talk about income investing, portfolio building, and the 3-Bucket Framework - A community where your questions actually get answered I'm glad you're here. Drop an intro below and tell me a little about where you're at with your investing journey. I read every single one. — Steve