I saw this board outside a cafe in the high street of my town and loved it. I took a photo and then went into the cafe. I’d never been in before but I had a chat with Emma, the proprietor (who was also the barista, waitress, cleaner, CEO and pretty much everything whilst her […]

One of my favourite descriptions of financial independence is that its an environmental movement dressed up as a $$$ GET RICH QUICK $$$ scheme. Today’s guest post from a TEA reader helps join the dots for other people who are earlier in the journey from consumer to producer / escape artist / environmentalist. The Escape […]

In online financial discussions, there are bears and bulls, boomsters and doomsters. Sadly, the curse of investing debates and discussions is that the bear case looks / sounds smarter. To add the spurious impression of evidence, the doomsters often back up their argument with a link to some crappy online article…YEAH, BUT WHADDABOUT THIS?!? This has […]

There is no One True Path to financial freedom (nor through life generally). This site is for grown-ups so I don’t tell you what you must do, I just tell you what worked for me. And some other stuff that’s hopefully helpful and interesting. You get to choose which bits to use in your own […]

Here’s a question I saw online in a financial discussion forum:   “I would like to ask some advice from you. I have recently came into a small windfall of money to the sum of £3K and wondered what best to do with it. Not a lot I know, but for my salary its quite a […]

As the old joke goes: it’s hard to make predictions…especially about the future. And generally, making predictions is unnecessary for good investing. That’s because index investing allows you to “piggy back” off the wisdom of crowds. As the smart money moves capital to growing businesses and growth areas of the economy, money in an index […]

As you may have noticed, there’s been a war on recently. No I don’t mean Covid-19. I’m talking about The Culture War. In The Culture War, hostilities were never formally declared but, make no mistake, it’s a war alright. The entry from Wikipedia is as close as we can get to an official definition: …the […]

There is something missing from the debate on Covid-19. As far as I can see, most of the news and related debate involves looking for someone to blame. China, Dominic Cummings, Donald Trump and the World Health Organisation all make excellent pantomime villains (the choice of which to blame depends largely on your political biases). […]

I had another chat with Pete Matthew from the excellent Meaningful Money in which I predict that we are not all doomed. The good thing about a prediction like that is that, if it later turns out you’re wrong, no one will care. 😉 Enjoy! I send out occasional emails out with my thoughts on […]

One of the reasons I write this blog is because much of The News consists of a crock of shit scaremongering…especially when it comes to money and finance. There are many things that the news media tries to scare us about. This is why no news is good news. I’m not saying they should only […]