savings rate

1. 22 November 2019

   You’ve got to spend money to save money

   Frugality is great — if it's mindful, and aligned with your values. But focus purely on savings rate and you can miss the forest for the trees. My wife and I joke that you've got to spend money to sav…

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. 7 June 2019

   A tale of two pension systems (Australia v NZ)

   New Zealand and Australia have very different approaches to funding pensions. Despite many other similarities between our countries, you can consider us at opposite ends of the spectrum on this set of…

4. 11 August 2017

   Financial advice and the FIRE (“financial independence, retire early”) phenomenon

   The FIRE movement — financial independence, retire early — is alluring. The core lesson is simple: increase your savings rate, live frugally, and you can retire decades early. I'm sympathetic to it, a…