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Personal Finance
Money Foundations
- The Rate You Control25 min read · Your savings rate is savings ÷ income, and it is the only input to a financial plan you
- Where the Money Goes25 min read · A savings rate is arithmetic on a list. Take-home income minus fixed costs leaves the
- The Buffer You Never Spend28 min read · A buffer of three to six months of essential spending is not a safety blanket, it is a
- The Debt You Cannot Out-Earn28 min read · High-interest debt is a guaranteed return on the money you use to clear it, so it is
Compounding & Allocation
- Time Is the Multiplier30 min read · Compounding is not a return — it is a return applied to a balance that keeps growing, so
- What You Pay, You Keep28 min read · A fee is charged on the whole balance every year, so it compounds against you exactly as
- Own the Whole Haystack28 min read · A fund is a wrapper and an index is a rule, so the first decision is what to own and the
- Allocation and the Rebalancing Habit30 min read · The mix of assets drives most of a portfolio’s long-run variance, so it is the decision
Wrappers, Tax and Risk
- The Wrapper30 min read · A tax wrapper never changes what the investment earns — it changes when the tax is
- Taxes Across the Year30 min read · Tax in a taxable account is triggered by selling, not by holding, so the household
- Insure the Tail, Not the Average28 min read · Every policy has a negative expected value, because the insurer pays its claims plus its
- The Largest Contract You Will Ever Sign30 min read · The instalment is not the cost. Two mortgages with the same rate can differ by a quarter
The Plan
- The Order of Returns32 min read · A withdrawal is fixed while the balance it comes from is not, so a bad year early is paid
- Taking Money Out30 min read · A withdrawal rate is a starting rule, not a promise, because the same spending against a
- The Behaviour Gap30 min read · A fund’s return and its average investor’s return are different numbers, because money
- The Plan on One Page35 min read · An audit is a ranking, not a list. Every fix in this subject buys a return of a different
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Learn content is for education only — not individualized financial advice, a recommendation, or a solicitation to buy or sell any security. Options involve substantial risk. Examples are simplified and historical patterns never guarantee future results.