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 […]

It’s amazing how quickly the media narrative shifts. Crypto has gone from being portrayed as the payments network for SPECTRE Criminal Enterprises Inc. to sensible investment in just 18 months. If the speed of this change seems crazy to you, you’re not alone. Everything is speeding up One of the reasons that everything seems crazy these days […]

Financial freedom

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 […]

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 […]

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 […]

Not buying stuff is easy. It became my default mode years ago. I don’t identify as frugal…if I want something, I’ll buy it…it’s just that I don’t want more stuff. Generally, I don’t want the extra hassle involved. Everyone has a different view of what “enough” looks like. It’s all relative.  Is Bill Gates being […]

This post was first published in September 2019 and updated in December 2020. Most people think that investing in the stockmarket is dangerous. This is not really true. Catching Ebola is dangerous. Juggling chainsaws is dangerous. The stockmarket just contains some risks that you need to know about. And if you buy and hold a […]

Last week I wrote about crypto and said it was in a bubble: Yes, this is a bubble. Yes, lots of punters will get rekt (as the lingo goes). Traders gonna trade and it’s not my job or your job to save them. And then, just days later, crypto markets crashed. It would have been […]

In Part 1, I explained that I was late to crypto because what I saw at first glance (a speculative frenzy) had put me off. But I was wrong. Things get more and more interesting as you go further down the rabbit hole. Please bear in mind that I am not trying to persuade anyone […]

The $90 billion IPO of Coinbase last week was a landmark in finance. Coinbase is to cryptocurrencies what Paypal is to money transfer. Both are disruptive start ups that use the internet to simplify the process of handling money. Paypal links the legacy banking system to the email system. Coinbase links the legacy banking system to a crypto exchange […]