ARTICLES
Better questions for real financial decisions.
Worked examples show how income, spending, investments, time and location can change the choices available to you.
Why 10% more income can triple what you save
Your spending-to-income ratio explains why a modest rise in income can produce a much larger rise in saving.
SPENDING AND FREEDOM · 6 MINWhat does a purchase really cost you?
A price is only what leaves your account today. The full cost includes the growth and future freedom that money could otherwise buy.
FOUNDATIONS · 5 MINFinancial independence is a range, not a finish line
A single retirement date hides uncertainty about markets, spending, taxes and the investments behind the result.
ASSUMPTIONS · 6 MINWhy returns must account for inflation, fees and taxes
A portfolio’s headline return is not the increase in purchasing power that the investor can keep.
WORK · 5 MINWhat does your job really pay per hour?
Net pay, job costs and every hour the job requires can change the apparent value of work.
GEOGRAPHY · 6 MINWould moving country improve your financial future?
A useful country comparison includes the full household budget, transition costs and investment tax.
INVESTING · 6 MINWhy a world stock index fund is hard to beat for passive investing
Broad world shares combine passive ownership, daily liquidity and diversification in a way few alternatives match.