Last week, there was a court ruling of huge significance for freedom of speech in the UK. Harry Miller (a former policeman) had retweeted a limerick and some other tweets about trans-gender issues.  The tweets were perfectly legal but were seen by someone (Mrs B) who decided to take offence and call the police as […]

As much as I like to like to encourage people to get better with money, I wouldn’t describe reaching financial independence as easy. Sure, it’s not like coal mining by hand or ploughing a field without a tractor. But society today has a way of offering us easy options. The problem with easy choices is […]

This article is about applying insights from one area of life (diet, nutrition) to another (spending and personal finance).  In places, I will spell out the analogy….at other times I will leave you to join the dots. But trust me, the dots are always there… Winter is a dangerous time for comfort eating and I […]

There are no guarantees in life. But here’s something that’s as close to a guarantee as you will find in the whole field of personal finance: If you see yourself as a helpless victim, if you give up, if you quit the game…then you will not get rich. Unfortunately there is a belief system that encourages […]

Imagine a 5 year old in a toy shop. The 5 year old sees a magic frog or a lightsabre or a pink princess doll. They are hit as if by a lightning bolt and are instantly in love. THEY GOTTA HAVE THAT SHIT AND THEY GOTTA HAVE IT NOW!! The child senses that Mum […]

In No News is Good News! (Part 1), I explained why a few years ago I stopped reading newspapers or watching the News on TV. And, for a period of several years, I achieved a blissful state where I managed to tune out politics, overseas wars, natural disasters, celebrity gossip, astrology, football and trends in […]

This blog is written for grown-ups who know where babies come from. But it has been brought to my attention that not everyone knows where stockmarket returns come from.  So let’s put that right. 2019 was another stand-out year for stockmarket returns around the world. The chart below is in $ terms so the percentages […]

This is Part 3 in an occasional series. You can see Part 1 here and Part 2 here. It was the week before Christmas, it was 4.45 in the morning and my alarm was going off. Time to get up and go to work. What?!? Aren’t FI bloggers supposed to preach the benefits of loafing […]

“Doing The Work” is a phrase that I only heard for the first time a couple of years ago on (American) self development podcasts. At first, I wasn’t sure what it meant. They weren’t talking about coal mining, plumbing or accountancy…or other forms of paid work. No, they were talking about emotional work. Yes, that’s […]

As any parent knows, on a long drive the kids will eventually get bored and then start to whine ask: “ARE WE NEARLY THERE YET??” The longer the drive, the louder the question gets asked (and repeated). And, lets be honest, it’s a long road to go from nothing to financially independent. It takes about […]