Still skeptical of simple?
It’s a compliment you’ve made it this far because it means we’re doing out job…
Making complex things seem 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 the simplicity on this side of complexity, I wouldn’t give you a fig. But for the simplicity on the other side of complexity, for that I would give you anything I have.”
This is what it looks like to make it to the other side.
Like you, we’re been looking for it everywhere else, but have only found it here.
We’d love to have you join us - it’s pretty fun on this side.
Our Proof of Work
Our “footnotes” for the non-believers - proceed carefully or risk seeing the light
Why We Prefer a Flat Cost
Why We Love our One Pager Visual
Why We Don’t Police Spending
“Projecting the future leaves you grasping for certainty and turns a "financial plan" into another product to sell off the shelf.”
80 | The Story and the Numbers
A detailed projection slyly turns assumptions into gospel and turns a calculator into a ‘plan’.
121 | Reality Eats Speculation for Breakfast
How I Got Here
“The hardest part is not giving into the constant call to color up and cash out.”
81 | One of My Biggest Fears
“If I’m good at this and I hate it, how good could I be doing something I love?”
100 | Good at Something I Hate
“It was helping people connect the dots…but it was too hard for the publisher to sell.”
231 | Missing Chapters
109 | Wasting Time That We Don't Have
“The management of assets is like cutting your grass with scissors when there is a lawn company mowing it for free.”
If it costs you more to save, are we pulling the rope in the same direction?
114 | The Ultimate Conflict of Interest
“It would be weird if a plumber said, “I’ll do the plumbing for $400,000 and, while I’m at it, I’ll build you a house for free.”
116 | Home-building Plumbers
“If a fee is tied to assets managed, it’s hard to ignore the different-sized dollar signs floating above each client’s head.”
118 | You Get What You Pay For
77 | The Elegance of the One Pager
“It sheds a bright light on 95% of what moves the financial needle and allows the remaining 5% to fade into the background.”
77 | The Elegance of the One Pager
“It paints a complete picture and leans heavily on the truth that financial well-being depends on a few simple, but difficult to master concepts.”
77 | The Elegance of the One Pager
“From Buffett to Bezos to you and to me, everyone's finances fit in the one pager.”
212 | You Don't Need a Budget
“With each reflection, we add a deposit to the "I-feel-freedom-in-spending" bank that an "I-missed-the-budget-again" slap on the wrist can’t match.”
205 | What Money Allowed Us to Do
“Spending risks becoming a number to control or regret or bemoan instead of a dynamic story about real life.”
How We Know It’s a Relationship
“Money becomes a recipe that we can't get right.”
177 | It's a Relationship, not a Recipe
“It’s hard to follow the story, because you can’t say, ‘This dollar paid for that thing.’”
94 | The Story is All That Matters
How We Know the Best Income is Sustainable
How We Know the Best Spending drives Contentment
How We Know the Best Saving is Accessible
How We Know the Best Investing is Patient
Why We Don’t Predict
Why We Don’t Manage Investments
Whether you're 10 or 33 or 54 or 82 years old, when you spend, you're stepping out on a limb.
216 | Out on a Limb
120 | Flickering Questions
“A projection snuffs out the real questions allowing "inflation", "market risk", "Social Security", and "life expectancy" suck the air from the room.”
203 | Frustrated Toddlers