Safety has a cost
“One can choose to go back toward safety or forward toward growth. Growth must be chosen again and again; fear must be overcome again and again.” Whilst this quote by psychologist Abraham Maslow is…
News & Articles
Science for your money (Part 2)
In our last post, we looked at the foundational laws of money: spending less than you earn, insuring your risks, and respecting the erosive power of inflation. These are the defensive structures of a…
Purpose, not predictions.
Strong financial plans are crafted with meaningful purpose, not more predictions. If you turn on the financial news or open the business pages, you will see an endless parade of predictions. “Markets…
Science for your money (Part 1)
In finance, as in life, there are opinions, and there are facts. Opinions are everywhere. You hear them at dinner parties, read them in the news reports, and see them shouted on cable news. “Buy…
Investing in peace-of-mind
When we talk about building financial resilience, we often look at external things. We look at our emergency funds, our insurance policies, and our diversified portfolios. We build fortresses to…
The moat to your castle
Let’s be honest. Nobody wakes up excited to pay their car or home insurance premiums. It is the ultimate “grudge purchase”. You pay for something you hope never to use. Every month, you see that…
The custodian mindset
There is a phase in our financial lives that is purely about accumulation. We work hard, we save, and we watch the numbers grow. We are taught that a bigger number equals a better life. But there…
The boring basics
In the world of finance, it is easy to get distracted by the shiny objects. We hear about the next big tech stock, cryptocurrency, or complex hedge fund strategies. We are naturally drawn to the…
The high cost of hurry
We live in an era that seems to worship speed. We are conditioned to believe that faster is always better. Faster internet, same-day delivery, instant replies, and real-time market updates. When we…
The paradox of plenty
We tend to assume that the journey to financial success is linear. We imagine that as our net worth rises, our stress levels will fall. We believe that once we hit a certain number (let’s call it the…
Action creates momentum
Have you ever found yourself waiting for the “right time” to tackle a difficult task? It may be a complex conversation you need to have with a partner, a looming deadline, or simply opening an…
Diworsification or Diversification?
We often talk about the emotional side of money, but sometimes the barrier to peace of mind is purely logistical. Over a lifetime of working, moving, and saving, it is normal to accumulate a…