 .          30 
N. Black


 ,     ?     .

    .

 30  :

 5 ,   40%    (-, ,  )

  60/20/20    Revolut/ N26         

        1000$    

 +30%    Etsy, UGC       

   10$  Trade Republic  ETF All-World

 .    3 .  15   , -  ,     .

   2     94      500$  eBay.

:

 -  30   

 20   +500$    

  60/20/20   

    30 

 .    .





N. Black

 .          30 








 

         30  | : N.Black | Global 2026




 1.   ,   


  40 ,  50,     127   .        3400 ,  15   .    ,   ,    ,    .  ,   .

      9     2021. ,    .   ,  5 .   ,   .  ,        Notion    19 .    ,    3  .   :    ,  .

      - ,    90-  .      ,    2008   .    ,    ,       Revolut,    .  1945     2026.

  :  10   ,   . :  ,    ,  .      1 ,   .   15     .

,    :      . : 80%      ,  ,  .         .         -  .     Shopify   ,  .




 2.  ,    


   . Amazon   Buy Now , ,     ,    .     .     34 .      136 , 1632  .    .

   ,    . Spotify, Netflix, iCloud, Adobe, , YouTube Premium, Notion Pro.   iPhone,  . .    94   .   Adobe  ,   2   3 ,  62 .   744 .

     .     1500  900  15   .  600  , 7200  . iPhone    24   1200,    200.     700,    1500.    ,   .

   .   100-200  ,     .     .  , , ,     .     ,  .

   .   ,    Wolt  Bolt Food.     12 , 26     312 .    90   .  222 .    ETF,   20   75000.

:    90 ,   5 : , , , , .    .   . ,  .




 3.  60/20/20  


 50/30/20 ,    25%.      40-45%,       .   60/20/20  : 60%   ,  , , , .    65%,    ,   .   .

20%     .        Future  Revolut.   .    ,   .    3 ,   .     .

20%     . , , , .    ,    2      300   .    .

:  3   Revolut,  Base, Future, Life.                             2    . 5      .    2023         25 .

:   ,  1400 ,   0   . : 840 , 280 , 280 .  8  2240 ,    ,      .




 4. .    


    ,      3 .   ,     ,    80% .     .   :      .    .      .

 400    2   .  400,   ,    600.   .  700   800.    3 .  :  .

     .   : I want to discuss settlement plan, can you reduce interest if I pay early?  60%    22%  8-12%,   .

:      .    . , ,  .    ,   .




 5.     


      .   ,       .     ,  .  1  1000    .  2  1  ,    .  3  3 ,  .  4  6 ,   .

 : 50%   Revolut  2-3%   , 30%  4%  3 , 20%   .   ,   .

:    .    ,  .   ,   .     30%     .

  :    eBay  Facebook Marketplace.      3000 ,   .  30      300-500 .




 6.  1-3-5,   


    Excel  20 ,     3 .  3   5   .  1-3-5: 1     , 3    , 5    .

: YNAB, Money Manager  .   ,   1 .   2   .    .  Eating Out 250  ,  .   .

      .    280  .   .     .    :    10%?




 7.  +30%  90 


   100%.    . :  =  x .    . 7 :    , Upwork 20-50  ,  30-100  ,   eBay, -  Udemy,  x1.5,   +20-40%   .

    Shopify  15 .    +12%,   80.   ,  5  ,      .

    ,   2  .   ?    .  .




 8.   10 


   3     .  :  3-4%,  10 , ETF All-World  Trade Republic  50  ,     ,   +20%  .

    ,  1%  ,   TikTok. : 100    10%  10  = 20484,  20 = 75937,  30 = 226000.   .

:   1 .   .    ,    .




 9.  2026


 1    . iPhone  1200  ,    200.    700,  1500.  800   .   ,  .

 2   .    , , .    .   10   15 .   .

 3  .   7   ,    . : , , 3   .

 4    Instagram.      . 90%    .   10 ,   .




 10.   1 


  ,    .     20% Future, 60% Base, 20% Life.  5  . 1   ETF, 15  . -:  ,  , 1   .

   :         .     .        Amazon.

  1     .  21  ,  90  .







 11. 

AI

-

Etsy  : -,   Canva, 5-20   ,   .     800      .

UGC  Shopify: 30-100   30-   iPhone.    . 10   500-800 .

  Make.com + ChatGPT:   email, . 200   + 50  . 5   1000 + 250 .

  48 ,  .   .




 12.  30 


 1-3:   90 ,  .  4-7: 3 , ,  2 ,  48 .  8-14:    500,   .  15-21: 5     , 1   Etsy.  22-30: 1000 ,  ETF 50,  #.

 30    3 , 500  , 1  , 1000 .  90   3    +26%   ( 1).  .




. 20   +500$    


UGC     30-100$  .

 Notion  Etsy  5-20$  .

    20-50$  .

 Reels  CapCut  10-30$  .

   Amazon  15-40$.

  0.05$  .

   10-20$  .

   200$  .

  Adobe Stock  0.5-3$  .

    30-80$  .

   15-25$  .

  15-20$  .

   15-30$  .

  Canva  50-150$.

 Instagram    200-500$  .

   10-20$  .

   10$  20 .

   eBay  200-1000$  .

   Airbnb  300-800$.

 Revolut  20-50$  .




 13.    


  5 ,      .       ,   .      ,   .     ,  ,     .

    30   :   10 YouTube     ,  30     ,   3 Telegram   Upwork, ETF, eBay,  1 ,    2  ,     .

    Instagram.  2  :        ,     -.   ,   .      .

:   ,  1500,         2000.     ,   ,      400     Tilda.  6    ,  2800 .

:  5 ,     ,         .       50%,  1  .




 14.    


   ,   ,  ,   .     ,      .    :   ,  ,   .

  ?     ,  .   ,   ,   .    ,    ,   .   ,  .

:  +  +  + . :  300     . :     90   . : 3   200. :  ,   15 .

 : eBay, Fiverr,  . 10   :    X  Y. 1% , 10%   . 100   1 , 1000  10. .

:       Canva.   LinkedIn  :      100   24 . 50   2 ,  3  15   1500 ,    250.




 15.   


.    300,   65%.    100,   250.  .  . 90%     , 10%    .

:   ,      ,  ,  ,  ,   ,  : , , , , Instagram,    ,    ,    10%  ,  .

:     10   ,      15 ,   ,   ,    24    , Instagram     ,      9 .

  12    .  ,   .   .     5  .  .




 16.   


        .     ,       .    :   ,     500  ,  ,   4   .   ,   .  ,  .

: 1    20   .  .  ,  ,   ,   . 20 ,      5  .   .

  :  ,   .  1000  , .    .  ,   .  .




 17.   


       ,   ,    . :   ,  ,     .   ,  .

  5     3 : , , .   .    20   4 .  ,      .

:      8  100     3 .  3      Lego  600   : ,  ,     .




 18.    


 , ,        10-15%,   40%.  Gewerbe  JDG,  .     50   1000  .   , .

 :     500,  30%   .    ,     .   ,   ,    .

    :       .  , ,    ,     Revolut.




 19.   30 


 30    3 , 500  , 1  , 1000 .  90   4    +27%   ( 2).    6  , 0 , 2000  ETF.

,          -,  PDF  60/20/20.    ,   ,   .




 20.    


  12  . 90%  .   10%.  .  Revolut,   20%  Future.  1 .  1   eBay.  1     . 4   30 .  .

 7    3   -2 .  30   1000   1  .  90  +30% .       .  .    .

:      10 ,    . 2 :       .        .  .

:   Instagram @n.black.money     ,  -.  N.Black, 2026.    . .




 1.  90    ,   ,  ,    


 1:   Revolut  90 ,  312   ,  ,  ,  ,   ,  .

 2:    Base, Future, Life,   1   ,  ,    3 .

 3:     , 20%  , 20%  , 60% , 5  ,  ,    .

 4:   Adobe  22.99,    4 ,    39.99,   2 ,  62.99 .

 5:  Amazon  Zalando   ,      ,   48   .

 6:     :  Amazon 800  24%,  600,   400,  2500,   .

 7:    ,    , , ,    ,   Facebook Marketplace.

 8:    120 ,   Future, , ,   ,     .




  .


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