I’ve written a lot about the value of habit formation and repetition. I’ve been riffing off Aristotle (or whoever it was) who said: We become what we repeatedly do. Habits are super-important. Lockdown has been an opportunity for me to change my diet habits and I’ve been off alcohol (with surprisingly good results) in 2021. I like […]

Aristotle said: We become what we repeatedly do. This neatly summarises the transmission mechanism between actions, routine, habits and, eventually, identity. Actions are things we do. Maybe once. Maybe everyday. Frequency and repetition are the magic ingredients that change actions into routine and then eventually into habits. Eventually habits sink in so deeply that they […]

Getting to financial independence is a bit like cycling to Paris or running a marathon. Other people have done it, so we know that it must be possible. But it seems like an intimidating distance if you haven’t done it before. The Outcome is reaching Paris or the finish line. What is The Process? Well […]

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 […]

First they said it was a fraud. Then they said it was stolen from them. Then they went to The Supreme Court and demanded a recount. So we re-counted and had the results independently verified. And it really is Now! 23 Yes, that’s right…The Escape Artist is back to review more classic songs about financial independence in […]

Like many other people, I get emails. One thing I noticed about these emails in 2020/21 is that many of them ask whether I am “staying safe”? Sadly not…I have been involved in that dangerous activity called “life”. Scientific studies show that 100% of lives end in death. Perspective At primary school we learned about […]

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 […]

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 […]

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 […]

The financial media and the financial services industries bombard us with marketing, jargon, junk data and misinformation. The result is that people new to investing who need to make a sensible fund choice in their workplace pension or their stocks & shares ISA get overwhelmed with information overload…leading to confusion and procrastination. With interest rates […]