Tag Archives: financial freedom

You are either spiralling up or you are spiralling down

You are probably familiar with the J curve of exponential growth by now. You hopefully already know the story of Kate who turns £15,000 into just over £1 million…without saving another penny after the age of 25. True, inflation means that a million pounds isn’t worth as much as it used to be.  But still…not too shabby. You can check […]

Get Rich without Bureaucracy

If you want to escape The Prison Camp, there are 2 things you need to know about bureaucracy. Firstly, sometimes you just have to follow the rules. Some things are non-negotiable for us. This is Lesson 1 and most of us learn this at school. For example, when you apply for a passport, you need to […]

Now that’s what I call Financial Independence! 31

It has been brought to my attention that most people don’t read “the stupid music ones”. Which is a shame because The Stupid Music Ones contain some of my best work. Come with me as we decipher the musical mysteries not just of finance but also Life, The Universe And Everything. Yes, that’s right…The Escape […]

Life Is A Positive Sum Game

When I was starting my blog seven years ago, I noticed other blogs had small print at the bottom of the page that said: © [Insert name of blogger]. All Rights Reserved I then consulted a book about blogging which also said I needed to include that legal wording. And yet I didn’t. Take a look…it’s […]

Web 3.0 Is Coming For Web 2.0

The internet was originally a network of military / government / academic computers. Web 1.0 was based on open protocols: the web was built on the HTTP protocol and email was built on SMTP.  These were the platforms on which website designers and other developers built. The problem for us was that Web 1.0 was mostly static webpages […]

The more runway you have, the safer you are

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 […]

Crypto : From Evil Criminal Network to Sensible Investment in just 18 months

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

What if never needing to work again was just The Hook?

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 […]

Get Rich Slowly, Get Started Quickly

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 […]

Your % savings rate is the most important number

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 […]