Rook 
Let’s talk about the thrilling world of percentages — said no one ever.Except maybe people in the financial independence crowd, who can and will turn a cup of tea and a spreadsheet into a surprisingly joyful afternoon. The Safe Withdrawal Rate (SWR) is one of those oddly satisfying ideas that takes something big — “how … Read more
Some days, the most thrilling thing I do is refresh my inbox. And some days, that refresh reveals that I’ve just chipped another chunk off my mortgage. Today was both. It started like any other — picking up a parcel, grabbing some milk, fixing a blind — the usual domestic parade of micro-tasks. And then, … Read more
October arrived like clockwork — steady, predictable, and somehow quietly satisfying. There was a rhythm to our weeks that almost felt like a private lullaby: nursery runs, workdays, a couple of extra hours of rest on the weekends, park strolls to look at dogs, and visits with friends and family. My partner and I weren’t … Read more
The Magic of Section 75 There’s a quiet kind of confidence that comes from knowing your money is protected — not by luck, but by law.If you’ve ever hovered over the Pay Now button for a big purchase — a car, a laptop, a dream holiday — and felt that small “gulp” in your throat, … Read more
There’s a certain point in October when the air changes. Not a date on the calendar, but a shift that arrives quietly through the toes. The light flattens, the sky turns that soft, indifferent grey, and the house takes on a kind of stillness that makes the decision inevitable: it’s here — the time for … Read more
