1910 vs My Spending: How I Compare to the Tumultuous Decade

Following up on our dive into the 1900–1909 ledger, it is time to turn the page to the next chapter. If the 1900s were the settled, opulent Edwardian era, the 1910s were a harsh reality check. This decade started with tea dresses and motor cars and violently crashed into the rationing, blockades, and inflation of … Read more

How to Master the 4 Crucial Investment Percentages Today

There is a specific kind of madness that takes hold when you first discover Financial Independence. It usually involves a laptop balanced on your knees at 11:00 PM, sixteen open tabs of historical market data, and a spreadsheet so complex it looks like it’s trying to launch a satellite. I’ve been there. In my early … Read more

Why Living in a Concrete Home Could Make You Rich

When people hear “concrete home,” they tend to imagine a monolithic, joyless block that looks more like a car park than somewhere you’d want to sip your morning coffee. And yes, that’s exactly what we bought. I like to call it a “concrete monstrosity”; my partner calls it a car park. Walk past it too … Read more

First 100K: January Update – with a Surprise Conversation.

January has a funny reputation. It’s meant to be about fresh starts, bold resolutions, and dramatic personal reinventions — but in reality, it’s often quieter than that. The lights come down, the calendar stretches out, and life gently returns to its usual rhythm. This January felt less like a reset and more like a continuation. … Read more

First 100K: December Update – Good Food, Adventure, and a Freezing Coastline

December always has its own tempo. A strange mix of soft lights, freezing winds, and the slightly dazed feeling of trying to do “normal life” while also navigating school closures, tinsel, and a steady stream of snack plates. This year felt gentler than usual, though — maybe because December didn’t ask for anything dramatic from … Read more