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.
3 Digital Nomad And Crypto Friendly Debit Cards – Revisited
Quick review of popular debit cards: Wise, Revolut and Krak. Benefits, crypto compliance, services and overall usability for digital nomads.
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
The Best Outcome Of Cryptocurrencies Adoption
Ten years of decentralized assets based on cryptography, not force. The shift isn't just financial—it's sovereignty moving from states to individuals
A Potential Financial Reset
Central banks printed trillions. Debt levels are unsustainable. A financial reset isn't conspiracy—it's mathematical inevitability approaching fast
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
Why Programmable Money In A Slow Delegating Society Is A Bad Idea
Programmable money automates financial rules. But society delegates decisions slowly and badly. The mismatch between speed and wisdom creates danger
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
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
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
If People Move, Money Move
Money follows human migration. When people relocate, capital flows after them. Location independence creates economic arbitrage opportunities governments hate
Financial Resilience In 3 Words
Financial resilience in three words—spend less, earn more. Everything else is commentary. The formula stays simple even when execution gets complicated
Elon Musk, The Entrepreneurial Hustle, And Some Tax Nuances
Elon epitomizes hustle culture while optimizing tax exposure. The entrepreneurial game—maximize visible success, minimize taxable income. Legal but revealing
Convex Payment, The “S” Curve, And Pay Per Epoch
Linear payment models fail for non-linear results. Convex rewards match S-curve performance. Pay per epoch aligns compensation with actual value creation
The GameStop Takeaway – We’re Already In A Post-Factual World, But We’re Just Entering A “Post-Fundamentals” Economy
GameStop proved fundamentals no longer determine prices. Coordinated sentiment beats balance sheets. Post-fundamentals economy runs on attention, not earnings
Money And Relationships – 3 Things You Should Do If You Want To Enjoy Both
Money destroys relationships through secrecy, disparity, priority conflicts. Three essentials—transparency, equity, shared values. Both require intentional management
The Money Diagram
Income, expenses, savings—three circles that determine financial life. Where they overlap or separate reveals everything about money health
A Definition Of Wealth
Wealth is options multiplied by time. Money buys choices. Time amplifies them. Both required—one without the other is poverty
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