I really like Kotlin too. Not very well established in data science though (maybe through Java interop, but Java is also not know for that application)
NFC & Android/Apple Pay is actually kinda amazing if you live in a country like Australia where tap to pay is universally supported. It's starting to get traction for transport smart cards as well.
I'm a complete financial idiot. As in, I only have money on a government-guaranteed fund in my bank.
Where do I start to know more about this? I dont want it to stress me out though, Im not so risk adverse when it comes to my finance. I spend very little, but I want to learn more about investing.
Any advice? More specifically for people living in EU?
/r/personalfinance is a really good way to get going. It's generally US focused, but I think there are some European focused subs as well. Once you've got a grasp of some of those investing discussions, move on to /r/financialindependence and /r/investing.
Investing doesn't have to be a scary beast, just go one step at a time. I'd suggest starting your studies by reading about asset allocation and expense ratios on mutual funds. Asset allocation will cover how bonds, stocks, and cash behave in various economic situations. Expense ratios are good to understand because they can have a huge effect on how much money you have down the line.
Them look into active versus passively managed funds.
Notice I haven't mentioned picking an individual stock yet. If you're risk adverse and getting into things, I'd highly recommend sticking with low cost index mutual funds. E.g. An S&P500 fund will give you almost exactly what the "overall stock market" would get without the guilty feelings of "I probably picked wrong and I'm screwed now".
Bogleheads is also really good (as mentioned below).
As a software developer in EU, sometimes I find it absurd that I'm only paid 2x as much as the average office drone for which the company would see no difference if their department disappeared tomorrow.
The only way to be paid according to your real value is to freelance or start your company.
And there are major differences even in the EU. The wage gap for a developer in the V4 compared to e.g. Germany (UK/Switzerland in a broader context) is staggering.
