Frugality Is Precision, Not Deprivation
Frugality isn't about sacrifice—it's about accuracy. Learn the difference between hunger and appetite, and build the gap that keeps you financially resilient.
Gravitational Habits for Financial Resilience
My new book on building automatic financial habits is now live on Apple Books, Google Play, and Amazon. Learn the gravitational approach to money resilience.
Can You Stay Relevant After 50, In The Age of AI?
After 50, you hold three assets AI can't automate: experience, ethics, and mindset. They compound with time. That's not a disadvantage—it's your edge.
My Location Independence Journey: From Europe to Asia (Podcast interview)
Podcast interview about my location independence journey — leaving Romania after 40, the 5-question framework for choosing countries, and life in Vietnam
Self-Publishing in the Age of AI
15 years ago, the main differentiator was skills. Today it's authenticity. Why self-publishing now rewards creators with real, traceable bodies of work.
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 hunger
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 existential
Like A Fish In The Water
Childhood river fishing taught a truth about money—you can catch fish by moving water, or you can adapt to where the fish already are
Say Hello To Your New Friend: The Spreadsheet
Spreadsheets track reality with brutal honesty. Numbers don't lie about spending, goals, or progress. Your new best friend tells uncomfortable truths
Flattening The Curve
COVID taught us curve flattening. The concept applies everywhere—spread intensity over time to avoid system collapse. Patience prevents breaking points
You Can’t Sail A Toy Boat On A Pierced Bucket
Fix the leaks before optimizing the sails. Financial holes drain faster than earnings fill. Plug the bucket first, then build the boat
Frugality And Financial Resilience
Frugality builds resilience by widening the gap between income and expenses. The buffer absorbs shocks that break those living at their edge
Seeding, Accumulation And Profit Taking
Investment cycles through three phases—seeding with small bets, accumulating during growth, taking profits before collapse. Knowing which phase determines survival
Beautiful Budgeting In 3 Basic Bullet Points
Budgeting simplified to three essentials—track spending, separate wants from needs, maintain buffer. Complexity kills execution, simplicity enables consistency
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 actually easier long-term
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 kills consistency
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
5 Financial Habits Enforced By Playing CashFlow
CashFlow board game teaches income versus expenses, passive income building, good versus bad debt, opportunity recognition, calculated risk. Games teach money better than books
10 Simple Habits That Will Greatly Improve Your Financial Discipline
Financial discipline through tracking spending, automating savings, cash envelopes, 24-hour rule, meal planning, buying used, avoiding subscriptions, price comparison, no-spend days, reviewing monthly
Steps to Building a Complete Financial Portfolio
Complete portfolio needs emergency fund, retirement accounts, diversified investments, insurance coverage, estate planning. Building blocks of financial security