{ in·deed·a·bly }


Midlife crisis

Vague hopes won’t result in a well crafted plan for a happy sustainable lifestyle. This list of questions will, while enabling those dreams.

Gone awry

How well aligned are your spending and the things that bring you joy? Obligation and pleasure can create conflicting priorities.


Gaining self-awareness about the motivations driving my behaviours made me a better investor. Thrill seeking is different to outperformance.

Déjà vu

The rules of successful Personal Finance are simple. Writing about them for any length of time, while keeping them interesting is hard.


Early retirement is a question of risk tolerance. A great outcome for some, but for others it is attempting to solve the wrong problem.

Flying money

Simple solutions are often the best. Could mobile money allow the one billion unbanked people globally to safely pay bills and receive money

Challenge the premise

I had long held the belief that renting produced the optimal outcome. Crunching the numbers revealed an uncomfortable truth.


Stress is self-inflicted. Everybody is different. Whether actual or imagined, issues are real to those who perceive them.


How do you balance freely living your life today, while ensuring your online digital legacy doesn’t compromise your future?


How do investment return expectations vary by age and geography? Quite a lot as it turns out, with an average expected total return of 10.2%

Highly commended

Last week { in·deed·a·bly } received a Highly Commended prize in the UK Blog Awards.

Designed to fail

When short termism dominates over longer term strategy, the results are usually suboptimal and expensive.

Feels like home

Is home the place you are from? The place you are now? Your happy place, surrounded by loved ones? Or just maybe, home is a feeling.

Random acts of bastardry

Have you ever been tempted to pack it in, stop living by rules defined by others, and start pursuing your dreams? I was.

Choose your poison

Everyone is afraid of something. Our fears influence our motivations and behaviours. Understanding fear leads to better decision making.

A professional, not an expert

Choosing the profession qualified to help solve your problem is half the battle. Most professionals aren’t experts in their fields.

Financial junk food

Most Personal Finance content is quick, easy, and bad for you. Getting a few strategic decisions right yields a more optimal outcome.


What would you do if your parents sued you for parental maintenance? That is the topic of today’s thought experiment.


Children, property, and pensions. Each are big decisions. How many are influenced or manipulated by external puppet masters?

Taxes are optional

How can the same person, performing the same function, for the same organisation receive vastly different disposable incomes? Tax management

Invert and win

Exploitation of weaknesses in a system to turn it on itself, and deliver outcomes at odds with the original purpose, is alarmingly common.

What you keep

It isn’t what you make, but what you keep that determines your wealth. How does income influence asset allocation?


It is human nature to seek out shortcuts, but pursuing easy answers may have unexpected consequences. Dividends, capital growth, or both?


Poor investment choices can cost an investor years of their life, requiring them to work for far longer than necessary.


Returning to the working world after a semi-retirement is always challenging. How do we manage the inevitable reentry problems?