leveraged investing
Investing

A Mental Framework For Leveraged Investing

At the surface, the idea of leveraged investing is a simple one.

But take a closer look, and you will soon realize that most folks think about leveraged investing in very different ways.

So what exactly is it – and should you be using it to accelerate your path to financial independence? […]

It will be too late tomorrow
Financial Independence

It Will Be Too Late Tomorrow

There’s a very popular concept in personal finance, sometimes called “Bob vs Adam”.

It’s a story that’s appealing and scary at the same time.

Except there’s far more to it than meets the eye. […]

Greatest Hits
Financial Independence

Greatest Hits: Volume 10 (Momentum)

Finding your investing edge, scaling your property portfolio, fighting investing shadows, and the YOLO economy.

As well as downward mobility, the trouble with optionality – and is crypto a giant fraud?

All this plus much more in this weekend’s Greatest Hits!

[…]

Stock Market

The Case For A 100% US Equity Portfolio

At some point, all stock market investors face the following question:

What is the right portfolio allocation between US and international equities?

As the data below shows, at the turn of the 20th century, the US stock market represented ~15% of the world’s total.  […]

Dogs vs Wolves
Financial Independence

Dogs And Wolves

Fifteen or so years ago, I decided to burnish my educational credentials with an accounting designation.

Having survived the initial set of grueling exams, I was admitted to a year-long “professional development” program.

Sadly, that meant that once a month, I had to spend an entire weekend holed up in a nondescript conference room with a bunch of other accounting conscripts. […]

Why money is hard
Financial Independence

Why Money Is Hard

Struggling with money? Join the club. As a personal finance blogger with nearly two years of writing and almost two decades of investing experience under my belt, I would expect to have it all figured out by now. The reality is, I am just […]

Your secret money weapon
Financial Independence

Your Secret Money Weapon

There are four key levers that determine how wealthy you will ultimately get. The most obvious one is how much money you make. However, as this guy has shown, that’s just the starting point. If you want to build wealth, you’ve also got to […]

Lucky or Smart
Investing

Better Lucky Than Smart

To kick off today’s post, let me tell you a little story. The story is about a good friend of mine from the MBA days. To preserve confidentiality, we can call him Mike. Today, however, I will call him the Frustrated Consultant. With that […]

FIRE not fair
Financial Independence

Why FIRE Isn’t Fair

If you want to embark on a thankless affair, look no further than the pursuit of financial independence. There are a million constantly moving pieces being debated in the personal finance community. Persistent calls to “index and chill”. Heated discussions about safe withdrawal rates. […]

Offset low market returns
Investing

Four Strategies To Offset Low Market Returns

A lot has been said about the tremendous run-up in the stock market since the global financial crisis. Historically, the S&P 500 returned about 10% a year (nominal, with dividends included). Over the past decade, however, the returns are well into double digits: So […]

Is your FIRE number wrong?
Financial Independence

Why Your FIRE Number Is All Wrong

At first glance, it seems easy enough. Figure out your spending needs. Divide by the safe withdrawal rate (SWR). Done – your FIRE number is staring you in the face. But is it? Inspired by a couple of reader comments on this post, let’s […]

2021 money moves
Investing

My Top Money Moves For 2021

And so, as it usually does every year, the Christmas fiesta has come to an end. If anything, the unexpected lockdown here in London was a blessing in disguise. Yes, not being able to see friends and family was a bummer. On the flip […]

Greatest Hits
Financial Independence

Greatest Hits: Volume 2 (Hello 2021)

Well, here we are. 2020 firmly (and thankfully) behind us. The clock has now begun its relentless countdown on 2021. At the outset, a year seems like a very long time. Objectively speaking, it is indeed a chunky stretch. But days have this pesky […]

Finding happiness
Financial Independence

Finding Happiness

As my workload finally eased up over the past few weeks, I have been able to spend a fair bit of time catching up with friends and family members. Many people in my social circle also have young kids and demanding jobs. Between all […]

Money identity
Financial Independence

The Money Identity

Nothing in life is easy. But it’s fair to say that building wealth has got to be one of the most challenging tasks you can set for yourself. A big underlying issue here is incentives. Think about losing weight or learning a new language. […]