ARTICLES
Build a life that needs less work.
Practical guides to keeping more of what you earn and understanding your choices. Each guide includes an example you can try in the Wosavest personal finance planner.
START HERE · THE WOSAVEST APPROACH
Your savings rate buys your freedom.
Why keeping more of your income can bring retirement decades closer, and why your effort belongs in producing and saving rather than chasing spectacular returns.
Read the starting guide →Illustrative years from zero until expected returns cover spending, using 4.75% annual real return for world stock index investing, after investment costs and before personal tax. Same return, different savings rates.
Four decisions to put into practice
What does your job really pay per hour?
Net pay, job costs and every hour the job requires can change the apparent value of work.
SPENDING · 5 MINWhat does a purchase cost in future freedom?
Turn a price into future working days, then compare the purchase with your own plan.
INVESTING · 5 MINKeep investing simple. Put your effort elsewhere.
Use broad world indexing, understand the costs, and give your monthly savings a clear destination.
LIFE CHANGES · 5 MINWould moving buy you more freedom?
Compare two household budgets, include the cost of moving, and see when the change starts paying back.