Still skeptical of simple?

It’s a compliment you’ve made it this far - a sign we’ve made the complex too simple to believe.

In an industry full of complexity - some inherent, some intentional, none that is helpful - we’ve chosen to believe Oliver Wendell Holmes when he says…

“For simplicity on this side of complexity, I wouldn’t give you a fig. But for the simplicity on the other side, I would give you anything I have.”

This is what it feels like on the other side.

Like you, we’ve looked for it everywhere, but only found it here.

We’d love to have you join us - it’s pretty fun on this side.

Proof of Work

Our “footnotes” for the non-believers - proceed carefully…
or you might see the light 😉

It truly is a relationship.

Money is tricky because it's a game with no real rules.

225 | Compared to What?

Calling hindsight 20/20 discredits the past self and torments the current self.

103 | Hindsight is Not 20/20

Slowly, the story in our head begins to diverge from the story on paper.

94 | The Story is All That Matters

If you’re breathing, you’re spending, which is why "getting ahead" or “catching up” can be so elusive.

216 | Out on a Limb

And yes, the best income is sustainable.

A change that helps you quit counting days is better than a raise.

206 | Counting Days

Income with no shelf life takes personal financial freedom to a different universe.

128 | A Spectrum of Sustainable Income

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XXX | No Cliffs

The best spending does drive contentment.

Accumulated wealth means nothing outside the context of what you need.

124 | Spending Observations

Our expectations change with every passing hour and every dollar spent.

232 | The Curse of the Raise

Eventually the conversation lands in two places - where's the money going? Is it where you want it to go?

7 | My Least Popular Belief

The best saving remains accessible.

Two smoke signals billow up at every level of financial wealth.

227 | Smoke Signals

The income that’s saved is the gas in the car - the account where it lands is unleaded 87 versus 89.

221 | You Don't Need a Roth to Retire

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XXX | Same Wealth, Different Ride

And contrary to popular belief, the best investing is patient.

On the journey to life-changing returns, the timing of those returns can change the trajectory of our life.

166 | So Little Control

After squeezing every bit of return from the last decade the uneasy feeling everyone has with money hadn’t gone away.

150 | Something is Missing

It's easy to believe building financial wealth is like filling a bucket of water.

5 | Grow a Tree, Don't Fill a Bucket

Once you've cared for some basics, it's OK to be a little ignorant.

125 | The Case for Ignorance

Why We Don’t Predict

Why We Love our One Pager

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Why We Don’t Manage Investments

Why We Prefer a Flat Cost