Author Archives: The Escape Artist

An Alternative Guide to Asset Allocation

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 Hook

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 […]

Convergence (Part 2)

In Part 1, We covered how different classes of risk asset (equities, venture capital and crypto) have started to converge. In this Part 2, we cover how the regulation of crypto will converge with that of the existing financial system. I don’t want to alarm anyone but the current financial system is screwed. The good […]

Convergence (Part 1)

We save and invest in productive assets to build wealth and live the life that we want. The objective is financial freedom. Money is just a tool that allows us to achieve that goal. Equities and property have traditionally been the asset classes that provided the “engine” of a portfolio: they delivered the highest returns for […]

Now that’s what I call Financial Independence! 28

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 […]

We Are Gonna Make It

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 […]

Investing made simple with a global tracker fund

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, […]

Get Rich Slowly, Get Started Quickly

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 […]

You’re only as strong as your weakest link

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 […]

Your % savings rate is the most important number

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 […]