There’s something quietly magical about this time of year. The days are slowly stretching out again, the pale pink of winter sunrises brushes the sky, and the crisp blue overhead feels almost like a fresh canvas. It’s the sort of morning that nudges you to pause, breathe, and think about the year ahead — not … Read more
There’s something both comforting and mildly ridiculous about the phrase time to retirement.It sounds like the name of a game show you definitely didn’t sign up for, but here we are — spinning the wheel each month, hoping the numbers line up, sipping lukewarm tea while wondering if compounding interest is working behind the scenes … Read more
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
I once ordered what I thought were the most fetching socks online. When they arrived, they looked great on the website—sleek, stylish, absolutely “wow” for the feet. But in reality? They were thin. So thin that while my feet looked amazing, the cold went straight through, and I spent the first chilly morning hopping around … Read more
There’s a certain type of maths that feels like sorcery. The sort that makes you squint at your calculator and mutter, “that can’t be right.” I stumbled into one of those sums recently, and it left me equal parts amused and quietly hopeful. Here’s the gist: if you invest just a fiver a day — … Read more
