Financial Independence

Don’t Get Too Excited

Uncomfortable truths

Yesterday’s news of the Pfizer vaccine may well be the emotional highlight of 2020. It certainly put a big smile on my face, notwithstanding an otherwise challenging day at work. A triumph of good over evil. Of human ingenuity over a nasty, deadly illness. Of progress over yet another temporary setback. The markets reacted accordingly. …

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The Road To Riches – Buy or Rent?

Buy or rent?

Of the many conceptual arguments playing out in the personal finance space, buying versus renting has got to be one of the longest-running ones. Based on what I have seen over the past couple of years, the “buyers” represent a solid majority. After all, most folks who have achieved financial independence own their own house. …

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Irreversible

No return

After seven and a half months of working from home, I have finally had enough. Driven by a desire to insert a bit more separation between work and life, I put on my mask, boarded the Jubilee line, and headed for the office. To say the experience was an eerie one would be an understatement. …

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A Vicious Circle

It has begun – and it’s relentless. It happens at nursery drop-offs and pickups. At playdates and playgrounds. At birthday parties and barbeques. And anywhere else where you might be unlucky enough to bump into an acquaintance with a child who turns 5 next fall. “So, where is your daughter going to school?” The Days …

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Five Questions For Your Next Net Worth Update

Index Investing

Updating your net worth spreadsheet can be an exciting affair. Nothing quite like getting a dopamine rush as you watch the numbers tick up, bringing financial independence firmly into focus. Another dollar, another step closer to leaving the cubicle behind. There is no doubt the absolute number is an important starting point. So is analyzing …

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Keeping It Simple: Build Wealth With The 80 – 20 Rule

Investment terminology

Financial independence can be confusing.  Spend even a little time on a personal finance blog or Facebook group and you will soon get lost amongst all the novel concepts, acronyms, and alternatives. You don’t have to be a genius to figure out that this rarely ends well. Motivated to reach financial independence as quickly as …

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