One of the oddest things about the cultural mood over the last few years is that, putting substance aside, it has encouraged a weird sort of humourlessness on the internet about everything, in a way that removes all fun, colour and energy. Not on my watch though. Being able to laugh at yourself and all […]

It’s amazing how quickly the media narrative shifts. Crypto has gone from the payments network for SPECTRE Criminal Enterprises Inc. to sensible investment in just 18 months. If the speed of this change seems crazy to you, you’re not alone. Everything is speeding up One of the reasons that everything seems crazy these days is that the […]

Would you like to hear something shocking and sacrilegious? Okay…today I am going to make the case against the much loved institutions of recipes, cookbooks and celebrity chefs. Yes, I realise how popular celebrity cookbooks are. And yes, maybe Nigella Lawson was hot in her day? Maybe Jamie Oliver really is a diamond geezer? Maybe Ainsley […]

Sometimes a picture is worth a thousand words. I haven’t put numbers to this because it’s better to be roughly right than precisely wrong. And it’s just a meme, people. But it does give a sense of priorities as you progress on your investing journey. You start at the bottom and then work up (I’m […]

Financial freedom

The idea of quitting work and never working again is “The Hook” of financial independence.  It’s the thing that first captures people’s attention. How do we know this? Well, it’s always the thing that the mainstream media focus on when they feature financial independence.  The Media know they have to lead with something that catches people’s […]

Opinion is divided on the Now That’s What I Call FI! series. Some say it became shit as time went on and The Escape Artist increasingly looked to have exhausted his musical repetoire. Others disagree, saying that it was always shit. But those same people would probably have criticised Michelangelo’s paintwork on the ceiling of […]

Where were you 10 years ago? What were you doing? Were you thinking about investing then? How confident were you feeling? I remember 2011 well. Europe’s government debt crisis was in the news. At the time, I was unblocking the toilets of the financial system (this was before Key Workers were even a thing). I was […]

This post was updated in August 2021 If you want financial freedom, then you want your money to do its share of the hard work. Your money can end up making more money than you…but first you need to get started with investing. When you buy into the stockmarket, you are buying into human progress, […]

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 […]