What I spend money on.

I think there is a misconception that as a financial planner, my advice is always to spend less money.  Yes, there is HUGE power over the long-run in spending a little less and saving a little more (there is research that shows that your savings rate is far more important than your rate of return in achieving financial freedom), but my message is really not to spend less per se.  My message is that you have to know who you are, know what is important to you and spend in line with your values.  Sounds simple, but in practice of course it’s a lot harder. FULL STORY

2017 was a magnificent year

I am an optimist.  A lot of you might already know that about me!  There are two reasons why.  One, it’s a much more rewarding and fun way to live.  And two, because it’s the only thing that squares with the facts. FULL STORY

Thoughts for 2018

We are now almost two weeks into January, the month for a new start, resolutions, and goal-setting.  Science has shown though that we might be doing it all wrong.  Studies have shown that only 8% of people are still going with their resolution after the first 90 days of the year.  So why is it so hard?  Well, human nature is a complicated beast. FULL STORY

Investing v paying down debt

I get asked the ‘should I invest my spare cash or pay off my mortgage with it?’ question a lot.  It’s one I wish I could have a standard answer to.  Here is how I like to think about. FULL STORY

Things you have to invest.

If you read my blog regularly, you might have noticed there has not been much (actually anything) from me in the last few weeks.  Here’s the story why. FULL STORY

What is money anyway?

The more I learn and read about money and human nature the more philosophical I find myself getting.  And this is really saying something because my mind is somewhat scientific and mathematical.  I am reading a book right now which was written by a financial planning thought-leader, perhaps one of the first to really articulate concepts about money from the “inside out”.  That is, looking at money from the perspectives of individuals and families instead of from the perspective of macroeconomics and investment theory. FULL STORY

Starting from a small base

Compounding is one of life’s magical forces.  It’s about the incredible power that comes from doing small things consistently, over a long period of time.  In a recent piece Morgan Housel wrote that compounding is not intuitive, so it’s systematically overlooked and underappreciated.   FULL STORY

When ‘I do’ becomes ‘I don’t’

Most couples intend their marriage to be forever.  They wholeheartedly believe in their vows, but despite promising to get through ‘better or worse’, sometimes the worse becomes too much.  The decision to separate and ultimately divorce is surely one of the hardest of one’s life.  With it comes huge upheaval and emotional turmoil.  It also involves the undoing of a financial relationship. FULL STORY

Are you ready to start your journey?

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