Financial Independence · Retire Early
Two commas, one boring decision at a time.
The part of getting rich that nobody wants to write about, because it isn't dramatic.
Financial independence is not a secret. It's a savings rate, an index fund, and about two decades of not flinching. That's the whole method, and it fits in a sentence — which is precisely why an entire industry exists to convince you it must be more complicated than that.
These are essays about the actual mechanics: what moves your date, what doesn't, and where the arithmetic disagrees with the advice you've been given. If you want the definitions rather than the opinions, the field guide is the better door.
Essays
2 postsNewest first. Most Mondays, alongside the research report.
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Index funds are the right answer. So why do I pick stocks?
This site tells you to buy index funds and then publishes a nine-page report on a single stock. That's either hypocrisy or a distinction worth making, and you deserve to know which. Here's the honest version, including the part where the evidence isn't on my side.
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Your savings rate is the whole game
Going from saving 10% to saving 20% doesn't cut your working life by ten percent. It cuts it by fifteen years. Your salary isn't in that equation at all — and understanding why is the difference between chasing returns and actually retiring.
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