Recently Updated Financial Resilience – The Hard Way versus The “Easy” Way
Hard way builds resilience through discipline and delayed gratification. Easy way shortcuts with debt and quick fixes. Hard way is [...]
Build Unshakable Financial Resilience
No "get rich quick" scheme, just tools and approaches to maintain a steady income regardless of the surrounding context.
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Financial Resilience in 3 WordsBasic Concepts
Core frameworks for understanding money and building financial independence
Recently Updated 
Recently Updated The Only Investor Test You Will Ever Need
One simple question determines if you're an investor or a gambler—can you handle volatility without emotional attachment to the outcome?
Recently Updated Incremental Growth versus Sudden Leaps
Incremental growth compounds reliably. Sudden leaps look dramatic but rarely sustain. Tortoise beats hare because consistency outlasts intensity every time
Recently Updated Debt Is Death
Debt trades future income for present convenience. Each payment kills a piece of your future freedom. The interest isn't financial—it's [...]
Building Financial Habits
Practical strategies for lasting financial resilience
Recently Updated Don’t Shop On An Empty Stomach
Empty stomachs make bad shopping decisions. The same principle applies to life choices made from places of emotional or spiritual [...]
Recently Updated Too Much Is Just As Bad As Too Little
And by "too much", I'm referring precisely to money. Too much money is just as bad as too little. I [...]
Recently Updated How To Become Financially Resilient In 3 Easy Steps
Three steps to financial resilience—spend less than you earn, build emergency buffer, diversify income. Simple doesn't mean easy, but complexity [...]
Track Your Financial Goals
I'm using addTaskManager, my very own iOS app, to monitor spending and progress.
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There Are Idiots At Both Ends Of The Spectrum
Extremes attract confident fools regardless of ideology. Bitcoin maximalists and crypto haters both miss nuance. Intelligence lives in the measured middle
It’s A Learning Process
Everything worthwhile is a learning process. Quick fixes promise shortcuts. Real skill accumulates through repetition, failure, adjustment—no acceleration available
If People Move, Money Move
Money follows human migration. When people relocate, capital flows after them. Location independence creates economic arbitrage opportunities governments hate
Nearly Missing It
Near misses teach more than successes or failures. Almost achieving something reveals exactly what's missing. The gap between close and done contains the lesson
Bitcoin’s And Elon Musk’s Ultimate Antifragile Test
Elon Musk shares similarities with Santa Claus and faces the ultimate antifragile test with Bitcoin volatility.
What’s The Difference Between Santa Claus And Elon Musk?
Santa promises gifts once yearly. Elon promises Mars colonies, full self-driving, neural interfaces. One's fictional, one's—the line blurs when promises exceed delivery
Finding Money In The Back Pocket Of An Old Pair Of Jeans
Forgotten money in old jeans feels like finding treasure. The pleasure comes from rediscovering what you already had—abundance hiding in plain sight
365 Essential Days Writing Challenge – Checkpoint Four for Location Independence
Four months of daily writing on location independence. The discipline builds skills money can't buy—showing up regardless of conditions, circumstances, motivation
Building A Backlog Of Opportunities
Opportunities stockpile when you can't pursue everything immediately. Building backlogs creates optionality. Future self picks from accumulated choices present self collected
Short Game versus Long Game
Short game optimizes immediate wins. Long game sacrifices today for compound tomorrow. Most people play short because long requires patience they lack
The Most Expensive Things In The Universe Are Not Diamonds
Time costs more than diamonds. Attention costs more than gold. Health costs everything. Real wealth isn't in banks—it's in non-renewable resources you're spending now
The Case For Permanent Limited Supply
Limited supply creates value through scarcity. Permanent limits prevent inflation. Bitcoin's 21 million cap demonstrates the power of credible scarcity
Minding Your Own Business At Home? You May Unintentionally Entertain Someone (While Making Someone Else Rich)
Home privacy died. Smart devices watch constantly. Your private moments become data someone monetizes. Convenience traded for surveillance you didn't authorize
Navigating The World After The “Big Reset”
Financial reset approaches—debt unsustainable, systems fragile. Navigation requires portable skills, multiple citizenships, decentralized assets. Resilience beats optimization in collapse scenarios
The Joy And Horrors Of Being A Polymath
Polymaths see connections others miss but struggle with specialization demands. The blessing—everything interests you. The curse—focus becomes impossible
The Psychology Of Toilet Paper
Toilet paper hoarding revealed mass psychology. Panic spreads faster than reason. The toilet paper crisis wasn't about supply—it was about fear contagion
Opportunity Cost Versus Cognitive Overload
Every yes costs opportunity. But evaluating everything costs cognition. The balance—systematic filters that save mental energy for important decisions
How Breakable Is Bitcoin? A Scenario
Bitcoin breaks through network attacks, government coordination, or cryptographic failure. The scenarios exist—probability remains debatable. Nothing is unbreakable