My son is starting to get into video games. In many games, you have the option between playing on “easy mode” or “hard mode”. Sometimes I think we unnecessarily put our lives on “hard mode”,...
One of the most valuable exercises I run through with clients is “flawcasting” their financial future. It’s one thing to create a personal balance sheet setting out your existing assets and liabilities, and getting an...
(Ugh. This has been the most popular article on this blog for a long time, despite the fact that there are far more interesting and useful articles on this site. I’ll update this article...
(When I talk about embracing “supermodels”, I’m actually talking about embracing “super models”. As in, all Kiwis should care about the policy settings relating to NZ Superannuation. If you were expecting something more salacious,...
If you’ve done any research on planning for retirement, you’ve probably come across the 4% rule. It originates from the US (specifically, Trinity University from Texas). This idea, like many US ideas, has spread...
If you’re looking for a financial adviser, one of the best places to start is Mary Holm’s list of financial advisers. She doesn’t endorse these advisers, but they meet minimum criteria that mean their...
When you start the journey of building wealth, you face headwinds. It may not feel like you’re making progress, but you are. This article illustrates how these headwinds eventually turn into tailwinds and how every dollar of wealth is easier to build than the last.
I know you’re lazy sometimes. I know this because you’re human. In this article I set out some tips for making the most of your laziness. (Or let’s put it more charitably: your “behavioural inertia”.)
This article contains some high-level advice for people starting out on this adventure through life.
A recent headline from the NZ Herald: “Want a comfortable retirement? You’ll need $101k by age 30” The first paragraph: “People who want to have choices in retirement will need to have around $100k...
