Getting rich slowly is the safest way. Getting rich slowly is the most reliable way. It may be the only realistic way. Waiting to win the lottery is waiting to be chosen by a universe that’s indifferent to our existence. Day trading only makes the banks and brokers rich. Working at a startup is much better […]

Most people think personal finance is about choosing between bank accounts. Or different insurance products. Or collecting reward points and 10% off coupons at their supermarket. That stuff is mostly irrelevant. This begs a question: why does most personal finance content bear no relationship to what actually works for building wealth? What matters is getting […]

Originally published 2020, updated July 2021 I sometimes think that saving has a PR problem. Saving is often seen as something that’s a bit boring or something that you do when you are in fear (e.g. of losing your job). But saving is the foundation of your financial security. When you have a secure financial […]

One endlessly fascinating thing about doing financial coaching is that people open up their deepest darkest financial secrets to me. It’s good to talk and people are often opening up about money for the first time. Often people struggle to acknowledge just how far they have come. They started off poor and now they are […]

First they said it was just a one off “to flatten the curve”. We should be patient, they said. Just one more time, they said. They’re just taking the piss now. Enough is enough. Yes, that’s right…The Escape Artist is back to review more classic songs about financial independence in the guise of a music critic from […]

Not buying stuff is easy. It became my default mode years ago. I don’t identify as frugal…if I want something, I’ll buy it…it’s just that I don’t want more stuff. Generally, I don’t want the extra hassle involved. Everyone has a different view of what “enough” looks like. It’s all relative.  Is Bill Gates being […]

It’s hard to write about money because everyone is in a different place with different circumstances. The last year or so has been tough for many…especially the young. As I see my kids grow up, I’m reminded of the struggles that younger people go through. I got lucky in many ways. But it’s never easy. […]

Last week I wrote about crypto and said it was in a bubble: Yes, this is a bubble. Yes, lots of punters will get rekt (as the lingo goes). Traders gonna trade and it’s not my job or your job to save them. It would have been good if my time machine had been working […]

In Part 1, I explained that I was late to crypto because what I saw at first glance (a speculative frenzy) had put me off. But I was wrong. Things get more and more interesting as you go further down the rabbit hole. Please bear in mind that I am not trying to persuade anyone […]

The News is like alcohol. Both are drugs that give you a quick buzz but both are depressants. Both are habit forming. Some people can do moderation but many struggle with that. Every week I talk to intelligent people who are holding down demanding jobs and toughing it out as parents. It’s not easy. And […]