[music]

[music]

[music]

I just [music] got in the keys to the

new spot. Right now, I'm feeling I'm I'm

feeling all the emotions from excitement

to nervousness. I mean, I barely slept

last night. You know, four years ago

today, I was still living in my mom's

basement. Like, my room literally had no

windows. And now I'm about to see my my

property for the first time when it's

empty.

Let's do quick empty house door. Ooh,

there's even electricity here. We're not

going to look to the right yet. Let's go

this way. I have my eyes closed, I

promise. So, this going to be the

bathroom, of course. Got the rain shower

head as well. And a huge thing is that

there's a window in the bathroom. So

whenever I'm, you know, brushing my

teeth in the morning and stuff,

hopefully I'm going to be getting that

nice sunrise in my eyes. And this is

funny. When me and the old owners were

negotiating the price, I told them,

"Let's meet at X, Y, and Zed price. I'll

I'll tell you the price later and

everything." But I told them, "Let's

meet at this price and leave the washer

and dryer into the unit, and you got

yourself a deal." And they were like,

"Fine." But then let's go take a look at

the living room. Like this is the main

area of the apartment. And this is what

made me fall in love with the unit when

I saw it. And now we're going to see it

for the first time when it's [music]

empty.

I guess they left a mirror here. And

[laughter]

[gasps]

so it's a corner unit. There's windows

on that side and on the left as well.

[laughter]

[screaming]

[gasps]

Look at it.

Almost the entire wall is just glass.

What the hell, bro? [laughter]

And the views are insane.

[gasps]

Nah.

No. [laughter]

[sighs]

[snorts]

Oh my god, man.

Also, here's the kitchen. Like I

love the kitchen. It's this big L-shaped

kitchen. This was really the only unit

that I was even looking at because with

this you get the best of both worlds. So

I still get the same view as I had

before, you know, towards the city. The

main view is to this other direction

which I just find this so calming. Like

you got the beautiful sea. You can see

all the islands, the nice bridge, and

then you can see people just driving

here. But yeah, first things first,

what's going to be happening now is that

I'm going to be cleaning this place. I

know the old owner hired uh professional

cleaners and everything, but I still

want to make sure that, you know, the

floor is fully mobbed and all the

appliances are clean and stuff just to,

you know, make it feel mine. Even the

kitchen has a window,

so you can imagine [music] you can be

cooking there. You turn and you can look

at the view. But yeah, let's get to

work.

>> [music]

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>> Don't do it.

>> [music]

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>> I have feeling yet [music]

the processing out.

[music]

There's

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two pieces here.

[music]

Love that. [music]

That was

[music]

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Heat. Heat. [music]

[music]

[music]

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Hey,

[music]

[music]

[music] hey, hey.

>> [music]

>> Okay, good morning. Good morning. I've

been quite unproductive today.

[laughter] I just been enjoying the view

and, you know, taking everything in.

It's easy to feel like we're always busy

and stuff and it's hard to like stop and

[music] take everything in every once in

a while. So, I've been trying to be as

conscious as possible. I know that

sounds weird. For months and months,

I've basically been on autopilot. But

yeah, as you can see, this place is

still looking like a whole mess. And the

worst thing is that my old apartment

still has a ton of stuff there. So,

today is going to be the second moving

day. But the thing is, I also need to

get some work done. So, I think I'm

going to have to build my setup now,

work a bit, and then in the afternoon,

I'll I'll try to get all the rest of the

stuff from the old place to the new one.

And then tomorrow I'll go ahead and just

clean the old place before the new

tenant moves in.

[music]

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>> [music]

>> Okay, let's get to the first work block

in the new apartment. You know, a lot of

people keep asking me whether or not

software engineering is still a good

career path, etc., and what they should

do. And I've thought about this quite a

bit recently. Ultimately, I've come to

the conclusion that if I was starting

from zero again, I would do everything

the same. This applies to other

industries as well, but the step one is

going to be learning some skill. Whether

or not that's programming or something

else is totally up to you, but the

framework is basically the same. Then

once you've learned that skill, get a

job utilizing that skill. And this is

where you'll learn even more because

you're actually doing real life things

using the skill. After that, you can

either start selling your skills on your

own terms, you know, maybe [music]

freelancing or starting an agency,

basically providing that skill as a

service for companies or you can start

some other thing. For me, it was content

creation. And that's basically the

blueprint. Now, this is going to take

years to make it all happen. But I think

the cool thing about my story is that

it's very repeatable. Like, I quite

literally followed those steps I laid

out. And of course, there's been a ton

of luck on the way. But the thing is

that once you start trying things out,

then eventually you will get lucky at

something. On the other hand, if you

never try anything out, then you don't

even give yourself the chance to get

lucky in the first place. But yeah,

that's kind of where my head is at in

regards to everything. I don't know many

better career paths than software

engineering and predicting the future is

just quite literally impossible but um

that's what I would do and it is true

that programming is changing and it's

becoming harder and harder to actually

understand the code you're shipping due

to AI writing most of the code nowadays

which is why I partnered up with code

rabbit for the video now rabbit is an AI

first code reviewer tool I've been using

and for example here I have a PR open

that implements multiple different

features in one PR which obviously is

pretty annoying for the reviewer. So,

Code Rabbit comes in clutch in scenarios

like this. [music] Basically, it gives

you comments on your changes which you

can address, but also it shows you this

change [music] stack. So, instead of

going through files one by one and the

files being in a random order, you can

[music] instead review these grouped

layers that each fit an idea. So, this

way you don't need to be bouncing around

the PR as much. Also, a cool thing you

can do here is move some of these ideas

into their own PRs. So, if you got a

little too excited coding away and you

have a bunch of unrelated stuff in one

branch, then you can [music] split those

easily and review them separately. And

this will make it much easier for your

teammates to see all the changes [music]

and follow what's actually happening in

the PR. Now, the setup process is

literally just a few clicks and you can

try it out for completely free with the

first link in the description. So, if

you want to save yourself some headaches

when it comes to code reviews, then

definitely check it out. And a big thank

you to Code Rabbit for supporting the

channel and sponsoring the video. Those

[music]

[music]

are not

[music]

[music]

>> [music]

>> Oh my [music] god.

[music]

>> [music]

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>> Hello.

[music]

[music]

Hey. Hey.

[music]

>> [music]

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>> Oh,

[music]

hey.

>> [music]

[music]

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>> Next question.

Hello.

[music]

[music]

Thank you.

>> [music]

>> All right, y'all. We're finally fully

moved in. I'm exhausted. Like, I'm I'm

done with the moving stuff. I got all my

stuff in here. Obviously, this place is

still a total mess, but you know, when

you move, it's going to take like a

couple of months to get everything

sorted out fully. Anyways, as promised,

let's talk about some of the finances

and how did we even get here? A couple

things happened. First things first, the

real estate market in Finland has been

quite brutal for a few years now. The

unemployment rate in Finland is like 10%

or something. It's crazy high. The

second highest in Europe. So, obviously,

people are not buying properties.

[music] Also in Finland, there's a tax

rule that if you live in the property

for more than two years, then in the

future, you can sell the property

completely taxfree. I got a pretty good

mortgage, so I paid 550,000 for the

unit. It was listed for 578, but somehow

someway there were two pretty much

identical units up for sale. The other

one was on a bit of a lower floor, but

obviously that gave me a ton of leverage

when I was negotiating the pricing and

stuff. I basically told him that, hey

man, like we got to get the pricing down

or I'm just going to take the other

unit. And yeah, that way we got the

price down pretty much 5%. Almost

[music] 30,000, which is nice. And they

left the washer and dryer in the unit.

We can't forget that. That was

important. [laughter] That was that was

worth it. But yeah, that may sound

pretty expensive, but this is like the

location in Helsing. As [music] you can

see, there's nature behind me, but also

the city center is right there, and

there's a sea view. I live on top of a

mall. The gym and all the services are

literally just [music] an elevator ride

away from me. But yeah, then the

mortgage. So, I put down 70,000. I know

that's a lot. It would have been better

invested into the S&P 500, whatever,

whatever. I get it. But I [snorts]

wanted this unit. Okay. Wanted to see

the fruits of my labor. Like, that was

important to me. I know now that I got

this spot, I'm going to make even more

money because my frequencies are way

higher and stuff. Anyways, I'm getting

too distracted. Basically, I put down

70,000. So, I have a mortgage for

480,000. So, that sounds pretty scary.

I'm in debt almost 500,000 at 25 years

old. My total interest rate right now is

2.678%

[music] and the margin on that, which is

basically how much the bank pockets off

of my loan is.3%.

Normally, it's around45 to even6 and the

[music] length of the mortgage is 35

years. I could have went for a shorter

mortgage, but as you know from my salary

and expenses video, I'm going to be

investing the extra cash flow into the

markets and um mathematically there's a

high likelihood that that's going to

actually outperform you paying [music]

off the mortgage faster. I can't believe

I forgot to mention this, but here's how

the payments are going to be looking

like. So, for the first year, I'm only

going to be paying off the interest

because I'll be investing more

aggressively into the market and then

after the first year, I'll start paying

off the principal on the property. And

um yeah, the mortgage payment is going

to be around 1,800. But then on top of

that, I of course have property taxes.

And now that I actually own this unit, I

have to contribute to the cleaning and

upkeep of the apartment building itself.

So that's going to include the sauna,

the jacuzzi, the gym, all this type of

stuff. Oh, and also my 1 gig up and down

internet. That's something I use a lot.

But yeah, all of that's going to be

around 400 a month. So, all in all, my

living situation costs me 2,200 a month,

which is a lot. Sure, but if I wanted to

rent this unit, it would cost me like

1,900. So, even in the worst case

scenario, I can just rent this place out

and then I'll be negatively cash flowing

300 a month, but I can quite easily

cover that with my other liquid

investments. And that was important to

me. Like, I wanted to make sure that I'm

safe no matter what happens. But yeah,

showing this is pretty awkward for me

because all my relatives and stuff are

going to be watching the video. So, I

hope you find this useful because I'm

going to be having some awkward

conversations in the future. But yeah, I

just want to say that this wouldn't have

been possible without you. Like, the

banks didn't really care for my YouTube

stuff. They looked at the YouTube stuff

as like a risky source of income and

they didn't really rate it. They just

rated my full-time software engineering

job when it came to the mortgage terms.

But because of my YouTube channel, I was

able to pay for the down payment and

stuff. And that really helped me out. I

don't think this would have been

possible without you watching my videos.

So, yeah, I'll forever be grateful. I'm

trying my best to bring you the best

videos possible. Obviously, there's no

way for me to realistically repay you

other than just try and make the best

videos possible. Like, this means so

much to me [music] and you watching my

stuff. Like, I never I never ever ever

take that for granted. It's so crazy

that I can still see my student

accommodation from here. It's been

interesting past four years. You know,

for basically my whole life, I always

felt like I was behind. I wasn't doing

well in school. I [music] was getting

bad grades. It even took me one year

extra to graduate from high school.

[music] Like, you know how embarrassed I

was. Everybody was looking at me as as a

failure. So, I hope you know my journey

and me making these videos at least

motivates you a little bit to chase

after your own goals because it's

possible.

It's possible to change your life. I

just want you to know that it's

possible. I think that's everything.

I'll see you in the next one. Peace.