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Gift Egwuenu | Personal Finance & Lifestyle

@thisisndudi

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💰 money + expat life in the Netherlands
📍🇳🇱 | on a journey to become work optional at 40
📸🎥 @ndudi.studios
💌[email protected]

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Hi, I’m Gift! You can also call me Ndudi — [that’s my native Nigerian name]. If you’re new here, welcome!

I document the real side of building wealth, navigating expat life, and living intentionally in my 30s. I share everything I wish I knew before starting my journey to financial independence!

what’s actually working for me as an expat, a working mom, and a woman building on her own terms.

Follow along, I’m so glad you’re here. by @thisisndudi

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6 months ago

🇳🇱 Box 3 could look very different by 2028, and 2027 is the year savers will feel it first.

This is just a proposal and not final, and the numbers could still change, but I’m sharing this now so you’ll well aware of the changes than be surprised later.

Not financial advice do your due diligence.

Would you rather be taxed on real profit or keep the current fictitious system? Tell me below.

[box 3 tax Netherlands, Dutch wealth tax 2027, box 3 2028 changes, taxing savings and investments Netherlands, expat finance Netherlands, Belastingdienst box 3, fictitious return tax, capital gains tax Netherlands, heffingsvrij vermogen, personal finance Netherlands] taken in Netherlands by @thisisndudi

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a day ago

To the girl who had a dream… look where you are now. 🤍

We’re often so busy chasing the next big thing that we forget to pause and appreciate how far we’ve come. I’m guilty of this too.

Let this be your sign to take your flowers, no matter what stage of the journey you’re in. 🌸

Happy new month ❤️ taken in Netherlands by @thisisndudi

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8 days ago

Limiting beliefs keeping you broke 👀

Which one of these did you grow up hearing?

Let’s fix them together at The Wealthy Girl Brunch Club on 7 November.

Comment BRUNCH and I’ll send you the details.

#moneymindset #limitingbeliefs #personalfinance taken in Netherlands by @thisisndudi

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9 days ago

A sinking fund is a dedicated pot of savings for one specific thing, like Christmas, a trip, a birthday, or that new camera.

The money is already there when the bill arrives, so you don’t have to touch your savings or emergency fund.

What would you open a sinking fund for?

#sinkingfunds #moneytips #personalfinance taken in Netherlands by @thisisndudi

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11 days ago

Be honest. Which one are you picking and why? 👀

#personalfinance #investing by @thisisndudi

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13 days ago

I compared savings rates across the Netherlands so you don’t have to. One of these is where my emergency fund lives.

Found a better rate? Put me on in the comments 👇🏾

Rates as of Sept 2026. Not financial advice. Do your own research.

#personalfinance #spaarrekening #expatlife taken in Netherlands by @thisisndudi

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14 days ago

Pinch me, it’s happening!! 🥂✨

What if talking about money felt less intimidating and more like a chat with your girls? That’s the whole point of this event.

I’m hosting The Wealthy Girl Brunch Club, an intimate afternoon for women who want to get serious about their money, with good food and even better company.

✨ Real, honest money talk
✨ Open Q&A (bring the questions you’ve been waiting to ask me)
✨ Breakout chats to meet like-minded women
✨ Games, giggles and a few surprises 👀

📅 Saturday, November 7 · 12:30 PM
📍 Amsterdam

I’m keeping it small on purpose, so spots are limited.

Comment BRUNCH and I’ll send you the link. And tag a friend you’re bringing 💛 taken in Amsterdam, Netherlands by @thisisndudi

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15 days ago

The Dutch wealth tax almost made me quit investing!Prinsjesdag 2026 was a few days ago, and Box 3 got a few updates here is what you need to know.

How do you feel about the Box 3 updates? taken in Netherlands by @thisisndudi

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16 days ago

I don’t have more discipline than you. I just stopped relying on it. Here’s the trick that actually stuck.

Save this if you’re struggling to stick to a habit! stack one onto something you already do without thinking and see if that helps you build a productive routine.

#habitstacking #tinyhabits #selfimprovement by @thisisndudi

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17 days ago

Starting off the week strong! I really enjoy working from the library! Got to hang with @jodashairsecret this time. #minivlog #expatlife taken in Almere by @thisisndudi

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18 days ago

These are 3 numbers I think everyone should know about their money! 💸💰
1. Net worth — what you own minus what you owe.
2. Burn rate — what it actually costs you to live each month.
3. Your FI number — how much you’d need saved to cover your life without a paycheck.

I built a free Monthly Burn Rate Calculator for number 2. Comment SPREADSHEET and I’ll send it over. taken in Netherlands by @thisisndudi

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21 days ago