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Cash Crunch : How To Get Out of Debt
This post will not apply to most readers…but bad luck / redundancy / business failure can hit anyone…please share this with anyone that you think would benefit from it… One of the big lessons that I learned working in corporate finance and restructuring is that companies do not go bust when they make losses or […]
How to buy a house in your twenties
This post is a <thought experiment> in risk taking for the young and the brave. It is most definitely <not> advice that applies to everyone. Let us start with the brutal truth…buying a house is sliding beyond the reach of more and more people. To get on the housing ladder in your 20s or 30s […]
Fuck You Money = The Power to Say No
If you want to be a free man (or woman), if you want to be citizen of Rome (rather than a slave) you need to be able to say no to your boss. This is best illustrated with a concept that I first stole learned from Nasim Taleb’s book Fooled by Randomness (although it’s appeared in multiple places and […]
How to negotiate a big payrise
When it comes to career progression, AC/DC put it best in their 1975 classic: “It’s a long way to the top”. Getting robbed, getting took… I tell you folks, it’s harder than it looks It’s a long way to the top, if you wanna rock ‘n roll AC/DC : It’s A Long Way To The […]
The 3 Legs of The Stool are Wealth, Health and Relationships
Most people struggle to save for retirement and can’t see that financial independence is even a possibility. So most personal finance content is either primary skool level (save 10% on your utility bills) or, at the other extreme, over-engineered (e.g. super-arcane detail on pension law) or designed to sell product (e.g. insurance policies, expensive gimmicky […]
Get Rich…Holistically
If you’re gonna build wealth, a lot of things will need to go right. There are four pillars to achieving financial freedom: If we want to build wealth AND be happy, we must master each of these 4 pillars. Everyone has a favourite…but this can be a problem if we overlook the other pillars. Earn […]
The more runway you have, the safer you are
My Dad once learned how to fly a microlight, a flying contraption that looks like a bit like a hang glider attached to a lawnmower. It’s probably not the safest hobby you could choose. He learned to fly this thing at a rustic airstrip which, by all accounts, was just a grass field with a hedge […]
What if never working again was just The Hook?
I think of quitting work and never working again as “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 […]
The Escape Artist 