23 y/o French Student | Future S&T Analyst | How to Get Rich Fast with Leverage, RE in France & Dubai, and Smart Tax Structuring?
Hi all,
I’m 23, currently finishing my studies in France, and will be starting full-time in Sales & Trading in March 2027. I’m already thinking ahead, and my goal is clear: build wealth aggressively and intelligently from day one.
I’ve been reading WSO for a while, but I wanted to post here to get input from people who’ve actually made it or are serious about optimizing their life financially.
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Here’s my situation: • French, 23 years old • Starting full-time in S&T in 2027 (likely 100k+ all-in comp first year) • Already saving aggressively during internships • Will have ~20–30k in savings before starting • No family money — I have to build it all myself • Looking to use bank leverage and tax-efficient structuring to get to 7 figures ASAP
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The problem (France): • Taxes are brutal here. On 100k gross, you’re left with ~66k net (and it only gets worse). • The state is bloated, mismanaged, and redistributes public money in a way that rewards laziness. • Politically and socially, the country is often unstable — strikes, tax revolts, public sector blackmail, etc. • There’s no pro-capital culture here. Being ambitious is frowned upon.
So, I want to optimize everything from year one. My philosophy is simple:
Make as much as possible. Keep as much as possible. And still live well while doing it.
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Here’s the strategy I want to execute: • Create a French holding company (SASU) that will: • Own a SCI à l’IS (corporate property structure) for real estate in France • Possibly hold shares in a foreign company (LLC in Dubai) for international RE investing • Use CCA (Compte Courant d’Associé) to advance cash to the company and legally get repaid tax-free • Use holding to pay for travel, housing, gadgets, car leasing, etc. — all optimized or deducted • Invest as early as possible in cash-flowing rental property in Dubai (8–10% net returns) and then scale into France with amortization advantages
I’m not looking to evade taxes illegally, but I want to pay the legal minimum, and structure things like people do when they’re playing to win.
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My questions to you: 1. What’s the best way to accelerate leverage early on? Can I start borrowing before the CDI (permanent contract) if I’ve got cash and no expenses? 2. Is anyone here doing something similar with foreign RE investments (Dubai, Portugal, Turkey, etc.) from Europe? 3. What are the best cash-flowing business models I can run through my holding on the side while working in S&T? I don’t want to be grinding 18 hours on weekends, but a scalable, low-time business that adds to the fire. 4. How do you balance lifestyle with fast wealth building? I don’t want to live like a monk for 10 years. I want to be able to travel, eat out, and enjoy my 20s while building serious capital.
Based on the most helpful WSO content, here’s a breakdown of strategies and insights tailored to your ambitious goals:
1. Accelerating Leverage Early On
Pre-CDI Borrowing: In France, banks are generally conservative and prefer lending to individuals with a CDI (permanent contract). However, if you have significant savings (€20–30k) and a clear investment plan, you might be able to secure a loan. Consider:
Leverage Strategy: Start with conservative debt (50–65% LTV) on your first property. This allows you to scale while managing risk. As you build equity, refinance to extract capital for further investments.
2. Foreign Real Estate Investments
Turkey: High yields but comes with currency risk. Ensure you hedge against potential devaluation of the Turkish Lira.
Structuring: Use a French holding company (SASU) to own shares in a foreign LLC (e.g., in Dubai). This allows you to centralize profits and optimize tax deductions.
3. Cash-Flowing Business Models
Consulting: Offer part-time consulting in areas like trading strategies or financial modeling, leveraging your S&T expertise.
Tax Optimization: Run these businesses through your SASU to deduct expenses like software, travel, and marketing.
4. Balancing Lifestyle with Wealth Building
Additional Tips:
By combining strategic leverage, tax-efficient structures, and scalable side businesses, you can aggressively build wealth while enjoying your 20s. Keep optimizing and stay disciplined—success is a marathon, not a sprint!
Sources: Overnight 23-year old BTC Millionaire? Life Choices, What is Your ADDITIONAL Reason to invest in Multi-Family?, https://www.wallstreetoasis.com/forum/real-estate/investment-in-rental-property-should-you-leverage-if-you-have-ability-to-100?customgpt=1, Millionaire by 30, What happens when you finish paying off your house?
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Spam holy shit
How do you know you'll be starting full-time in S&T in 2027? Didn't realise offers were made that far into the future, especailly in Europe
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