A Million Is Not Enough
Financial Independence

When A Million Is Not Enough

On Saturday morning, I woke up to an email from a long-time reader of this blog. To preserve anonymity, let’s call him Carl. Carl sent me a link to this story from the Sunday Times and asked for my views. I was still in […]

Buy or rent?
Financial Independence

The Road To Riches – 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, […]

Early retirement terrifies me
Financial Independence

Why Early Retirement Terrifies Me

Ahh, the sweet promise of early retirement. The date is January 31, 2020. The news outlets are slowly picking up coverage of the strange pandemic that’s shutting down Chinese cities and seems to be spreading beyond the country’s borders. I have zero time to […]

Financial Independence

What You Don’t See

A lifetime ago (i.e. back in my teenage days), I had a very short but highly memorable stint working for a moving company. The set-up was simple.  The owner of the company, who doubled up as the CEO, CFO, driver, and mover, had offered […]

Financial Independence

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 […]

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 […]

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 […]

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: […]

save as you earn
Financial Independence

Should You Say Yes To Save As You Earn?

Sometimes it seems there is nothing but obstacles on your road to financial independence.  Stagnating pay, high taxes, the ever-increasing cost of living, stock market downturns.  Take your pick – all of these will all take a bite out of that nest egg you […]

how to be poor
Education

How To Be Poor On £250k Per Year

It’s shocking and sad at the same time but making a six-figure salary is no longer enough to live a care-free life, especially if you live in an expensive city like London.  In some instances, well-paid professionals are worse off than those who make […]

private school cost
Education

The True Cost Of Private Schools

I hope this article will be useful to all the parents and future parents out there who are considering private education for their children.  I am using the UK school system as an example, but the facts below hold for many other countries with […]