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. […]

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 […]

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 […]

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 […]

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 my lazy butt outside every day. In Spring / Summer, getting outdoors comes naturally. But at this time of year, it takes a conscious push […]

Today we have another guest post from Chloë, our favourite pun-cracking eco-hippy…this time about whether university now makes financial sense? Let’s all agree upfront that education and learning are good and noble things. But going to university is no longer the easy decision that it was back in the day. When I went, only about […]