It’s easy to think that you’re either spending money, or you’re saving it. You draw up a budget. You work out what you spend, and you save the rest. (Alternatively: ...

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In a previous article, I talked about the fact there are two types of job security: one that relates to your specific role, and another that relates to your ability ...

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When I have the privilege of providing financial advice, I ask clients the obvious questions – about their assets and liabilities; their income and expenses; etc. I also ask about ...

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I recently listened to two podcasts in a row that talked about mobster movies: Goodfellas and Lock, Stock, and Two Smoking Barrels. Both are good movies. Both movies involve heists. ...

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When I prepare a financial plan for clients, my report includes a simplified balance sheet, setting out their existing financial situation. A fairly typical balance sheet might look something like ...

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(Technically, this article should be titled “How WE money” because everything I do, I do it with my wife.) One of the things I pride myself on is providing financial ...

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Frugality is great. But only if you’re frugal out of choice, and you define frugality in terms of being mindful about how you spend your money and making sure you ...

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I love books that swing for the fences. They almost always include things I disagree with. And they’re not the sort of books that will average 5 stars on Amazon. ...

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This week I gave a 30-minute presentation to a group of engineers. I talked about investing and insurance, while emphasising the importance of making financial and lifestyle decisions that are ...

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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 ...

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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 ...

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(Note: This article includes some very high-level comments about The Barefoot Investor. If  you’re looking some more practical resources associated with Scott Pape, you may be interested in the very ...

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(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 ...

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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 ...

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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 ...

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