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You are either spiralling up or you are spiralling down

You are probably familiar with the J curve of exponential growth by now. You hopefully already know the story of Kate who turns £15,000 into just over £1 million…without saving another penny after the age of 25. True, inflation means that a million pounds isn’t worth as much as it used to be.  But still…not too shabby. You can check […]

Get Rich without Bureaucracy

If you want to escape The Prison Camp, there are 2 things you need to know about bureaucracy. Firstly, sometimes you just have to follow the rules. Some things are non-negotiable for us. This is Lesson 1 and most of us learn this at school. For example, when you apply for a passport, you need to […]

Life Is A Positive Sum Game

When I was starting my blog seven years ago, I noticed other blogs had small print at the bottom of the page that said: © [Insert name of blogger]. All Rights Reserved I then consulted a book about blogging which also said I needed to include that legal wording. And yet I didn’t. Take a look…it’s […]

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 […]

Financial freedom

What if never needing to work 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 […]

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 […]

One Thousand True Fans: internet economics and ethical monetisation

There’s a big shift going on in the internet economy. I’m talking about the move to direct business models where writers and creators get paid by the people that value their content. A thousand flowers will bloom. Independent content creators are thriving and new tools are springing up to help them. The gatekeepers are dying. […]

The Elephant and The Rider

If you think that everyone uses logic for important decisions, you’re setting yourself up for a lifetime of confusion. Sure, we like to think of ourselves as logical creatures. But a quick look at history, evolution and physiology reveals this to be incomplete at best, misleading at worst. Consider the evolution of the human mind. We […]

Apply own oxygen mask before helping others (Part 2)

This post was first published in 2016 and updated in January 2021 Do you remember those health & safety briefings on aeroplanes just before take off? The ones where they told you to put your own oxygen mask on before helping the people around you? Well, when you start the journey to financial independence, you […]

It’s Good to Talk (Part 2)

It’s good to talk… …so why do people often steer clear of talking about money…even though it has such an important role in our lives? Well, personal finance is…personal. You can’t have a proper conversation about money without touching on values: people’s deeply held beliefs and priorities. Everyone is different and we all have different […]