This is a bad bad idea. We have plenty of Latin American examples showing how this ends. A very inefficient company with many employees, a powerful trade union and many customers without service. I know, it feels good to have these services as public, but at the end of the day it is not a better service, and it gets more expensive with time. Good luck though.
I wonder why his grandmother bought the car instead of giving him 13.000. then he could pay a car in installments and have the rest for any emergencies. I never understood why people prefer cancelling credits in an economic crisis instead of keeping them.
Hi, a software developer here. I also feel like you. Started coding very young, then uni, first job, first team leader position, then moved to Europe for 5 years working in big companies ( and saving as much as I could). Now I'm back home in Latin America. Built a couple of houses cash with savings, got married.
But I'm bored so I spend my time playing with my 3d printer and home automation little projects in my spare time. I don't think I will last much longer working on something I don't enjoy.
Every month I save enough for living at least 3 months (4.5k USD ) without working which is quite good, but on the other hand, I don't like what I do. It's tough to quit when you know other people are struggling to pay for basic needs in other areas.
I guess my plan is to keep saving and at some point next year ( when I get around 2-3 years worth of expenses) do something about it.
Anyways, at the moment my hobbies keep me going. That's my advice, a hobbie.