Finance Blogs

Discover independent finance blogs and writers on BlogRolly.

• Master of None — Want to invest like a family office without being a billionaire? I revisit the Family Office Strategy and show how to bu
• FIRS – The FIRE Funds Wealth Builder ETF — Surprising find: the FIRS FIRE Funds Wealth Builder ETF looks like a Golden Butterfly clone with bitcoin and trend follo
• Pension Funds — Here’s a frustrating truth: workplace pension choices are broken and most people scroll past them. In this post I react
• Why Your Brain Hates Good Investment Strategies — Ever felt punished by a winning strategy? I explain why investors hate managed futures, positive skew explained, and how
• Retirement Spending Rules — What if underspending is a retirement failure? I argue exactly that and offer clear retirement spending rules you can ac
• The Economics of Trust — Picture wiring €195 million to a stranger after a phone call. In this post I unpack the economics of trust and the infra
• Stacking, Diversifiers and Responders — A neat thought experiment: 100% ACWI, 50% trend following and a 100% notional tail hedge. Here I summarise the paper, ex
• The Diversification Trap — Is gold really free diversification after its big run? I tell the story of why piling into gold now can be a diversifica
• The Toilet Paper Portfolio — Question: does a 1% AUM fee really flush your retirement away? On Twitter the AUM fee debate rages, but Michael Kitces'
• I am Sick of It — Enough of AI slop in personal finance. I rant about copy-paste ChatGPT replies and why a shallow trend following explain
• Lack of discERNment — Three guys sent Big ERN's Early Retirement Now post to me and my phone lit up. My three step conviction test is public j
• Ergodicity Economics — Ever wondered why getting rich feels impossible? Here I break down ergodicity economics in plain language, showing how m
• The Cost of Certainty — Want a guaranteed €1 million in 12 years? I show why certainty costs about 15% and why a defined benefit style dynamic a
• Total Portfolio Approach — Ever wonder what a -30% drawdown does to your life plans? I argue the classic strategic asset allocation 60/40 is breaki
• Annuity Hate — Annuity hate is everywhere in retirement conversations. I explain why investors chase monthly checks from covered call E
• Inflation and SWR — Surprising truth: inflation, not market returns, is what crushed 1966 retirees. In this post I connect White Coat Invest
• Own Goal — Want to avoid an own goal when saving for university in 15 years? I replayed a podcast case with a €300k couple and a 90
• No Diversification — Think diversification is a magic shield? In this post I explain why diversification often looks useless in market sell-o
• The Best Countries to Retire In: A Data-Driven Reality Check — Reality check, the Best Countries to Retire In list looks messier once you read the Natixis Global Retirement Index. I u
• How Debt Keeps Workers From Striking: The Research Management Doesn’t Want You to See — Stunning finding: household debt, not laws or automation, explains falling strikes across six countries from 1970 to 201
• When a Work Stoppage Becomes a Financial Crisis: Every Option on the Table — When a strike leaves you buried in bills, read my honest playbook for a work stoppage financial crisis. I walk through t
• The Debt Trap That Keeps Workers Quiet: How the Cycle Works and How to Break It — This is why debt is a labor issue. I walk through peer reviewed research showing household debt suppresses strikes, shri
• Trapped by Finances? Financial Options When You Can’t Afford to Get Divorced — Feeling trapped because you can't afford divorce? My post shows court fee waivers, legal aid for divorce, mediation and
• Making Good Money but Gambling Put You in Debt? Why High Earners Lose the Most — After 30 years running Myvesta, I've seen high income gambling debt wreck careers and destroy retirement. This post expl
• A Debt Collector Called About My Dead Spouse’s Debt. Here’s What You Actually Owe (and What You Don’t). — Grieving and getting calls from debt collectors? I show exactly what family owes after death, when the estate pays debts
• Chronic Illness Took Your Income and Left You With Debt. Here’s What to Do First — and What Can Wait. — No budget advice will save you when illness takes your income. I walk you through what to do first, with step by step gu
• Financial Infidelity and Sexually Transmitted Debt: The Research, the Signs, and What Actually Works — Hidden debt destroys trust and becomes shared liability. I coined sexually transmitted debt, and I draw on 12 years runn
• Debt and Marriage: The Complete Guide to Financial Infidelity, Hidden Debt, and Recovery — Facing hidden debt feels like betrayal. I pull from 30 years in credit counseling and my own bankruptcy rebuild to expla
• Your Hospital Bill Is Probably Wrong. Here Is How to Fight It — and Every Option If You Cannot Pay. — Got a hospital bill that made your stomach drop? I’ve helped thousands fight medical bills since 1994, and this step-by-
• Debt Snowball vs. Avalanche vs. Bankruptcy: The Comparison Dave Ramsey Never Shows You. — A hard truth: the snowball vs avalanche debate leaves out bankruptcy. I filed Chapter 7 in 1990 and ran a credit counsel
• The Math on Investing vs. Paying Off Debt — and Why Bankruptcy Changes the Equation — Bankruptcy changes the equation on invest vs pay off debt. I lay out the full math I have used since 1994, show how Chap
• Affinity Fraud: How Scammers Target Your Church and Community — and the Red Flags in Every Case — Think your community is safe? I lay out the 5 affinity fraud red flags I found in dozens of financial crime cases, from
• The Bankruptcy Means Test 180-Day Rule: Why Filing at the Wrong Time Gets You Denied — Timing can cost you your Chapter 7. I explain the bankruptcy means test 180-day rule and the 180-day look back, how Curr
• Using Crypto to Pay Off Debt Sounds Smart Until You See These Numbers — Think crypto will erase your credit card debt? Think again. Using crypto to pay off debt is a risky Hail Mary, I run the
• My Parent Is $60K in Debt and Won’t Stop Spending: What I Did That Actually Helped — What do you do when your parent is $60,000 in debt and keeps buying more? As founder of Myvesta, I lay out the single ho
• Parent Died With No Will and No Instructions: The Financial Emergency Checklist (First 30 Days) — Collectors already calling after your parent died with no will? This first 30 days financial emergency checklist lays ou
• Mom (or Dad) Died With Credit Card Debt. You Probably Don’t Owe It — Here’s Exactly Why — Collectors call fast after a death. I've helped families since 1994 and I know the panic when a collector says your pare
• ADHD and Debt: Why Standard Money Advice Doesn’t Work — and What Does — Struggling with impulse buys and missed payments? I've been helping people with debt since 1994 and explain why standard
• Debt After Death: The Complete Family Guide to What You Actually Owe — Facing calls from collectors after a death is brutal. In this family guide to debt after death I lay out what you actual
• Here’s How Your Ebike Can Pay For Itself — You can earn back an ebike fast. I show exactly how your ebike can pay for itself using DoorDash, Uber Eats and other gi
• I’m Overwhelmed With Credit Cards And Bank Account Bonuses — Overwhelmed by credit card bonuses and bank account signup offers? I treated them like a part time job for years, openin
• A Case Study In Selling Your Car And Using Ebikes And Carshare Instead — What if your car is costing you $500 a month for nothing? In this case study I explain how my friend sold his car for ab
• I’m Always Paying Myself For A New Phone — Paying myself $41 a month makes buying a new iPhone painless. In the post I explain my phone savings strategy, why I upg
• The Beauty Of Coast FIRE — Coast FIRE changed how I think about money. After a decade of aggressive debt paydown and front-loading retirement savin
• Remember That You Have No Job Security With Gig Economy Apps — Terminated by Marketforce and suddenly buying my own lunches again. I walk through how Marketforce terminated me from a
• A Few Reminders To Myself When Investing In Uncertain Times — When the market dips and my portfolio shows a six figure drop, panic feels normal. This post is my checklist of five rem
• Can We Trust These Fintech Banking Apps? — Worried about fintech apps after the Synapse bankruptcy? This post unpacks custodial accounts, FDIC insurance limits, an
• How I Use The Credits I Get From My Credit Cards — Want to squeeze every dollar from premium credit cards? I walk through exactly how I use Chase Sapphire Reserve $300 tra
• Getting Back Into The Bank Bonus Game — Want to earn $2,500 in a week with bank bonuses? I signed up for five accounts and stacked $2,550 in pending bonuses fro
• How Credit Scores Really Work — Think closing a credit card will tank your score? In this post I explain how credit scores really work, covering FICO vs