I’ve said before that there are two ways to improve your happiness. You can either get more or you can want less. Either way works. I’m not sure it matters which way is “best”. What I’m sure about is that wanting less is a whole lot cheaper than getting more. Consider the boundary case of […]

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. I actually quite like Monk Mode. But there are obviously downsides. It’s […]

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… …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 key insight from The Aggregation of Marginal Gains (Part 1) is that every little helps. The little things, if done better, all add up to create great results over time. If you can make lots of small improvements in different areas, they all add up to the sort of world-class performance that wins you a long […]

It’s a cold Autumn morning but I feel better than I normally do at this time of year. That’s because I’ve been making a conscious effort this week to haul myself outside every day. In Spring / Summer, getting outdoors comes naturally. But at this time of year, it takes a conscious push to get […]

There’s nothing like an early taste of poverty for instilling a lifelong appreciation of money and financial freedom. My parents stretched themselves with a big mortgage to get up the housing ladder in 1981, just before interest rates went to 17%. Ouch! As a result, holidays and newspapers got cancelled and belts had to be […]

I heard a story last week that’s too good not to share. I was on Zoom talking to a subscriber to The Escape Manual. He told me how he’d pulled off a massive 180 degree turnaround: going from debt disaster to responsible role model and provider for his children. So I asked James (names changed for obvious reasons) if he would […]

Imagine that Bill and Ted have gone trekking in a remote corner of the Death Valley National Park in the USA. They’ve been camping and were carrying all their own food, tents and equipment. Unfortunately some coyotes stole all their stuff a couple of days ago, since when they’ve been walking back towards their car. […]

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 on the journey from consumer to producer to environmentalist. 🌍 The Escape Artist Hi, I’m […]