Now that’s what I call Financial Independence! 22

The Year is 2020 and The World is on tenterhooks… awaiting the outcome of The Most Important Election Since The Last One.

Meanwhile, a made-up clown in denial takes to the internet and social media…despite The Express Wish Of The People.

Has he no shame? Will he never shut up? Why won’t he just accept it’s over and go back to obscurity?

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 the NME…armed with earnest prose, psycho-babble and increasingly tenuous metaphors.

Just Got Paid (Sigala, Ella Ayre, Meghan T, Montana)

Lean into that KER-CHING! moment when you get paid, celebrate your wins along the way and remember to pay yourself first.

I still remember the joy of getting paid for a couple of days work in the summer holidays on a farm when I was 8 years old (someone call Social Services!). I also remember my payrise when I qualified as an accountant and my first money earned self-employed after I quit my corporate job. KER-CHING!

Remember: earning more is not cheating. And if you truly love your work, you’re already rich.

Don’t Let The Joneses Get you Down (The Temptations)

Spending does not equal happiness. Hedonic Adaptation means that pretty much whatever you buy, you’ll quickly get used to it and return to a baseline level of happiness. Like a hangover, the debt will still be there long after the buyer’s high has worn off.

This is why keeping up with the Joneses is pointless. As someone smart once said: Don’t worry about what the Joneses just bought…they’re dying on the inside.

Avoid consumer debt like Ebola, buy your small car secondhand for cash and don’t buy the biggest house you can. Only losers boast about their fatboi plasma screen TV, latest generation smartphone and other such shite.

We Came to Win (7Kings)

I sometimes think that saving has a PR problem. Saving is often seen as a boring defensive move.

But saving is the foundation of your financial castle. And when you have a secure financial base, you can go on the offensive and take the fight to the enemy. You can afford to take more risk. And more risk should mean more reward when investing.

Who saves wins.

Waterfall (James)

I wrote in Cloud Storage For Your Possessions that once you have bought stuff, it sits around long after the thrill of acquisition has gone.  It sits there taunting us to take it to the charity shop.

Most people spend their time and money accumulating stuff.  Even when they have zero net worth, they buying more shit to clutter up their minds and their living space.

Better to have a big stash of financial wealth “in the cloud” that you can use to “download” anything you need. This is The Beauty of Minimalism.

The Future’s So Bright I Gotta Wear Shades (Timbuk 3)

Want to get rich within 10 years?

There are no guarantees but you can massively stack the odds in your favour. If you’re bright / hard-working, get a degree in computer science, physics or engineering and are prepared to move, you’ll get a high paying job. Or you can train as a plumber or electrician then go self-employed and build your business. That’s the income side sorted.

Now for the cost side. If you can hack your accommodation costs (via some combination of lodgers, low cost rent, property development or living in an RV) then a >50+% savings rate follows naturally.

Can everyone do that? Nope, but why should we expect everyone to be the same?

Good Enough (Dodgy)

I currently invest into a Vanguard Lifestrategy fund. Is it worth looking for a different fund for a small amount per month or should I just put a bit more into the LS80 fund? I’m conscious Lifestrategy funds over-weight the U.K., so maybe a more worldwide investment such as VWRL or VRXXB might be wise but still feeling a bit unsure as to what might be the best option? Any thoughts?

A.N. Other (newbie investor)

Yes: you’d do better if you stopped worrying about the perfect fund choice and instead focused on how to get your savings rate up.

I already walked you guys through the best global index funds, so what are you waiting for? Procrastination is a trap and looking for certainty before doing something results in delays that you can’t afford.  Good enough is good enough and I hereby grant you permission to get on with it.

Juice (Lizzo)

Here Lizzo models juice. Or what could alternatively be called life energy, mojo or “sass”. I’m talking about the life-force that pushes you out of your comfort zone and encourages you to think bigger.

You gotta hand it to Lizzo. So many people lack confidence, know “their place” and sadly underperform their potential. Not so Lizzo, who has smashed through any limiting beliefs.

So I love the song but have my doubts about the video where Lizzo is shown…how shall I put this?…punching above her weight in the dating market. Woke capitalism is just another marketing scam and you can see why Big Food Corporations love the whole “u-go-gurl-more-fries-big-is-bootyful” thing.

Shoop (Salt ‘N Pepa)

Don’t get me wrong, I’m a big fan of Lizzo’s positive message.

But I’m also bored of intersectionality and the woke propaganda which now runs through the media. To show you what I mean, for contrast I’m including this old skool Salt ‘n Pepa banger, which shows vintage sass and girlpower from 1993.

Here’s a fun game…can you spot the differences?

I’m Still Standing (Elton John)

I’ve now been blogging for over 6 years. When I first started, my assumption was that someone would quickly point out where I was wrong and I would shut up.

Well, it hasn’t turned out that way. Whenever I find my motivation for blogging fading, I think about The Graveyard of FI blogs and remind myself that at least I’m still standing.


  1. Another great mix of tunes and wise advice!


  2. I look forward to another 6 years of infotainment!

  3. You’ll be pleased to know I put the extra bit into VWRL 😉

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