A Matter Of Time
Personal Development

A Matter Of Time

One of the biggest obstacles we face on the path to success is the concept of time frames. As a species, humans are just so damn impatient. Genetics plays a big role here. Put simply, delaying gratification was never the utility-maximizing strategy. For thousands […]

Financial Independence

How To Lose Your Job In 10 Years

Another horrible commute. A highly unpleasant interaction with a passive-aggressive colleague. A manager that seems to pile on more work every day – and yet isn’t nearly so generous with the recognition. And the work itself. What (hopefully) seemed exciting early on has now […]

Real estate riches
Real Estate

How People Get Rich With Real Estate

A while ago, Peter Kim (a.k.a. Passive Income MD) published a post titled “Buy one property per year and retire early”, which I found to be fascinating reading. Somewhat unfairly, Peter took a bit of flack in the comments for making assumptions that some […]

Smarter than the stock market
Investing

Who Is Smarter Than The Stock Market?

“Objects in the rear-view mirror may appear closer than they are”. Right now, the opposite is true. It feels like a lifetime ago – but it has only been 11 weeks since we were trying to find a way forward in the midst of […]

It Won't Happen To You
Careers

It Won’t Happen To You

When Randall Stephenson announced he is retiring from his role as the CEO of AT&T a few weeks ago, he sure caused a stir. Donald Trump took an instant swipe at him on Twitter. Clearly, no love lost between CNN and the White House […]

Passive income - reality or mirage?
Financial Independence

The Illusion Of Passive Income

Tuck the kids into bed. Kiss your significant other good night. Slide under the covers, close your eyes and wait for the magic to happen. “Make money while you sleep” Ahh, the holy grail of financial independence. A present-day Noah’s Ark, keeping you afloat […]

Investing

The Future Is Tech… Or Is It?

One possible explanation for the recent divergence in stock market performance vis-à-vis the broader economy is the performance of the tech sector. Microsoft, Apple, Amazon, Alphabet, and Facebook now comprise ~22% of the S&P 500 index. It’s no wonder that the stock market held […]

Stock market returns demystified
Stock Market

Demystifying Stock Market Returns

The stock market is a complex beast. This is not entirely surprising. In a way, it might even be expected. After all, it’s a mechanism that allows retail investors like you and I take a tiny ownership stake in large multinational corporations like Microsoft […]

Losing the plot
Investing

Losing The Plot

“It’s all over. They’ve gone and lost it.” This was just one of the comments that popped up in my Facebook feed on March 15th, the day the Fed cut interest rates to zero and launched a massive stimulus program. “They have nothing left […]

People who beat the stock market
Investing

The People Who Beat The Stock Market

The biggest refrain you hear from people who think you can beat the stock market goes as follows: “By definition, 50% of investors do better than the market and the other 50% do worse. Surely it cannot be so hard to be in the […]

Best way to save £100k
Financial Independence

The Fastest Way To Save £100k

One of the biggest problems of personal finance is that it’s just so damn hard to get started. We all know saving and investing money is something we should be doing, but hardly anyone does it – or does as much of it as […]

Introduction to investing in bonds
Investing

An Introduction To Investing In Bonds

It has been more than a year since I started this blog and I still haven’t written a single word about investing in bonds. There are good reasons for it. First of all, my own investment portfolio consists of 100% equities at the moment. […]

Financial Independence

Getting Rich In The Post-Covid World

As I was approaching my final years of university in the early 2000s, things weren’t looking pretty on the job front. The dot-com bubble burst just a few years ago, leading to a downward spiral in the stock markets and slim job prospects for […]

Oil Price
Investing

Doom, Gloom, And Negative Oil Prices

For anyone who is following the financial markets these days, Monday was an eye-opener. For the first time in history, the price of oil has gone into negative territory. At its nadir, a barrel of WTI (West Texas Intermediate, the US benchmark for oil) […]

Feeling comfortable?
Personal Development

Getting Comfortable With The Uncomfortable

In a way, aspiring to financial independence is all about comfort. Forgetting what the jam-packed commute feels like.  Never having to deal with workplace politics again.  Leaving all the money worries behind and spending the rest of your days in a state of pure […]

Stock Market

The Hidden Dangers Of Dividend Investing

I was scrolling through my Twitter feed the other day when I stumbled a tweet extolling the virtues of dividend investing – and the investing superpowers of dividend investors themselves. I won’t quote it verbatim, but it had all the requisite components, such as: […]

Hate the stock market
Stock Market

Five Reasons To Hate The Stock Market

The stock market expansion that followed the financial crisis became known as the most hated bull market ever. Despite the tremendous growth and wealth creation, the share of retail investors in the stock market has actually declined from ~65% before the financial crisis to […]

Finding gratitude
Personal Development

Finding Gratitude In Challenging Times

The economy is tanking. The stock market is plumbing new depths every day. Everyone is stressed out trying to figure out how the Covid-19 pandemic will impact their health, careers, and finances.  I certainly have spent a lot of time pondering what my future […]