Getting rich slowly is the safest way. Getting rich slowly is the most reliable way. It may be the only realistic way. Waiting to win the lottery is waiting to be chosen by a universe that’s indifferent to our existence. Day trading only makes the banks and brokers rich. Working at a startup is much better […]

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 financial media and the financial services industries bombard us with marketing, jargon, junk data and misinformation. The result is that people new to investing who need to make a sensible fund choice in their workplace pension or their stocks & shares ISA get overwhelmed with information overload…leading to confusion and procrastination. With interest rates […]

Today we have some wise words from Alan Donegan, founder of The Pop Up Business School which runs free classes on how to start / grow a small business. You could apply his advice to starting investing, starting a business, getting fit…or anything really. Enjoy! If the answer was more information, then all librarians would be billionaires.  Librarians have access […]

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 […]

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 […]

The Year is 2020 and The World is on tenterhooks… awaiting the outcome of The Most Important Election Since The Last One. Meanwhile, a made-up clown in denial takes to the internet and social media…despite The Express Wish Of The People. Has he no shame? Will he never shut up? Why won’t he just accept […]

Every day we make choices. Choices between spending now and investing for the future. Choices between procrastinating and taking action. Choices between patience and impatience. Think about where you are today and where you could be in 5, 10 or 20 years time. If you choose to buy your freedom (rather than more stuff) your […]