independence

1. 4 December 2020

   It’s trade-offs all the way down

   The word "decide" traces back to Latin — "to cut", or to kill. Every decision kills other options you could have taken. Time is scarce. Money is scarce. Even Bill Gates makes trade-offs. It's trade-of…

2. 18 October 2019

   My manifesto

   "Wealth" isn't just about money, and "success" is personal. Don't over-complicate your financial life — make it boring so the rest of your life can be interesting. Everyone has a financial plan, wheth…

3. 27 October 2017

   You may not need to save as much for retirement as you think

   Many people want to get to a position where they can "live off the interest" in retirement. It's a laudable goal, but for most people it's unrealistic, and aiming for it creates unnecessary pressure.…

4. 19 June 2017

   Red flags to consider if you’ve received personal insurance advice

   Many insurance advisers provide terrific advice — but not always. Two red flags worth watching for: when the adviser has recommended the same level of life insurance cover for both you and your partne…

5. 12 May 2017

   Your insurance needs should reduce as you get older

   I'm a HUGE advocate for insurance — most working people should carry some. But I'm also a big advocate for self-insuring where you can, and a message I don't see often enough is that your insurance ne…