Money, habits and the road to financial freedom.
28 October 2026
A z-score tells you how unusual a number is compared with its own history. It is one of the most useful tools in investing, and one of the most misread. Here is how it works and where it breaks.
Read →
27 October 2026
A return on its own tells you almost nothing. These three ratios put it next to the risk you took, and they can rank the same two portfolios in opposite order. A hands-on guide with worked numbers.
Read →
20 October 2026
Two investors earn exactly the same returns, just in a different order. One ends up with €337,000, the other with €572,000. A hands-on guide to volatility drag, sequence risk and why leveraged funds decay.
Read →
19 October 2026
Your brain draws compounding as a straight line. It is a curve, and the gap between the two is where most money decisions go wrong. A hands-on guide to future value, present value and real returns.
Read →
14 October 2026
People hold a winning position for years because they don't want to pay tax, then watch the gain melt. Here is how progressive tax really works, why tax avoidance is not a strategy, and what you can legally optimise.
Read →
13 October 2026
Picking investments is the most exciting level of the pyramid and the one where most money is lost. Professionals mostly fail at it, most stocks lose to cash, and the maths explains why.
Read →
12 October 2026
The most important investing decision is not what to buy but how much of each kind of asset to hold. Here is what the famous '90%' really means, and the maths of why volatility eats returns.
Read →
9 October 2026
People who fear leverage in futures happily take it on a car loan. Here is why consumer debt is leverage on things that lose value, and how to save by design instead of willpower.
Read →
8 October 2026
A fund can earn 10% while the people invested in it earn 7%. The difference isn't the market. It's when they bought and sold. Three studies, and a two-option fix.
Read →
7 October 2026
Most people never calculate how much they actually need. Here is the four-step formula, where the 4% rule comes from, and why ten years of delay can halve the result.
Read →
5 October 2026
Six levels decide your financial life, in a fixed order. Most people start at the top, the level that matters least. Here is the order, and the research behind it.
Read →