u/effyb21

I’m 25, UAE-based, EU national, looking to build an investment portfolio from scratch. Need guidance on:

•	Emergency fund strategy (non-UAE account)  
•	Long-term investing (stocks/ETFs)  
•	Tax-efficient accounts available to expats

1 hour every 2 weeks commitment. I’m serious and will implement what you suggest.

Looking to connect with people focused on building things, staying healthy and real growth.

Into coding, Claude, clean eating, career growth, networking and intentional routines.

Prefer quiet cafés, walks, chess or low-key activities like pottery or golf.

Not into clubs or loud places. Not into drinking, smoking or drugs. Just consistent, grounded people.