@Anton The Man, if your income in US$ is $24000 per year ($2000 per month), that is huge for Ukraine according to the link below. Are you earning about 640,000 hryvni per year, meaning about 53,333 UAH per month, after any income taxes? If so, congratulations on your high earning!
https://www.google.com/publicdata/explore?ds=d5bncppjof8f9_&met_y=ny_gdp_pcap_cd&idim=country:UKR:BLR:MDA&hl=en&dl=enLike others, I am not closely familiar with Ukraine. I learned about the Ukrainian hryvnia with a quick Google search. For those who are not familiar:
https://www.google.com/search?q=ukraine+currency&oq=ukraine+currency&aqs=chrome..69i57j0l5.3546j1j7&sourceid=chrome&ie=UTF-8I do have the perception that the investment markets there are less deep and accessible for small investors, with the additional complication that political instability could cause economic issues or interfere with particular investments. Also, I have the perception that different areas of the country vary in their degree of Russian influence, and possibly could have different futures. I don't know how to evaluate different investment options, but suspect that the wisest path is to diversify among local and portable/international assets if you can. That way if the local area rises in prosperity, you will benefit in place, but if tragedy requires you to move, you would have the means to do so. Assuming that you stay and that conditions vary from time to time, a diversification strategy could pay off in that case too. So I support your approach.
I also applaud your objective of saving for a higher income than your current spending. This might give you the capacity to start a family, and/or withstand variances in costs or investment returns. Overall, my guess is that you are making very rational plans.
By the way, if you achieve your goals, it appears that you will achieve an income similar to my own or perhaps slightly higher, and will do so at almost the same age that I achieved it. Hopefully when you do, I will still be alive to congratulate you!!
Do explore opportunities to buy international securities if you can, but if you can't, keep doing what you can do. Perhaps accumulating cash-like assets now will enable you to buy international securities in the future if conditions change. In the long run, "freedom" from an MMM perspective depends in part on societal stability and health. I hope for all of our sake that the long term trend is towards more stability and more societal health, in all countries.
Best of luck. Keep us posted on your adventures and decisions, whenever circumstances permit.
PS. After some more Google research, I found the following link re hryvnia inflation:
https://www.google.com/search?q=ukraine+currency&oq=ukraine+currency&aqs=chrome..69i57j0l5.3546j1j7&sourceid=chrome&ie=UTF-8If it is correct in saying that hryvnia inflation is between 8% and 9%, the interest on local investment is 13.3%, the local investment appears to provide a higher return than the one denominated in US$. Because US$ has inflation of close to 1%, US$ real return is probably about 1%, while local investment seems to provide about 5%. But is the local investment as reliable? I don't know. Will you achieve 4%/year? I don't know. Yet the results will have a big effect on your plans.
Based on the above two paragraphs, again I applaud your idea to diversify among the options that you have. Do you pay income tax on the interest from each of the two investments? If so, what is the tax rate?