Category: MARKET

Financial advice is about more than just investments and returns—it’s about trust. And one of the most important, yet often overlooked, aspects of that trust is how you pay for your financial advice. It’s a conversation that affects every investor, expat, and retiree, regardless of where they are in the world. Broadly speaking, financial advisers are compensated in one of two ways: commissions or fees. Both have their place in the industry, but each model carries […]

No one stumbles into wealth by accident. Even those who win the lottery often find themselves broke again within a few years. It’s also not about trying to cut back on your take-out coffee. Financial success isn’t about luck, and it’s not about making one perfect decision that changes everything. It’s about consistent, intentional choices that build toward a future you actually want. Being intentional with your money doesn’t mean obsessing over every transaction or living […]

Raising financially responsible children who may one day become the next “Millionaire Next Door” is less about complex financial strategies and more about small, intentional lessons woven into everyday life. It starts with recognising that children learn more from what we do than what we say. If we want them to grow into thoughtful stewards of their wealth, we must first model responsible behaviour ourselves. Showing them how we save, budget, and make spending decisions is […]

When it comes to financial success, many people fall into the trap of waiting for the “perfect moment” to start. “I’ll save when I earn more,” or “I’ll invest when the markets feel safer,” are common refrains. But here’s the thing: there’s rarely a perfect moment. Success isn’t built on monumental leaps; it’s built on the foundation of small, consistent actions. Tony Robbins often highlights the power of small steps, reminding us that tiny, intentional changes […]

Why do pessimistic views often sound so convincing? It’s an interesting phenomenon—when someone warns of an impending financial crash, we perk up, nod solemnly, and give their words the weight of wisdom. But when someone speaks of growth, opportunity, or prosperity, it can come across as naive or overly simplistic. Why is that? As humans, we are wired to pay attention to potential threats—it’s an ancient survival mechanism. In financial planning, this instinct often plays out […]

Have you ever wondered why we spend so much time planning, even when we know that life rarely goes according to plan? It’s a curious thought, especially when it comes to financial planning. Carl Richards beautifully encapsulates this paradox: “In fact, the only thing we know for sure about any good financial plan the moment we finish designing it is that it’s wrong. We just don’t know exactly how… yet.” This might sound disheartening at first, […]

You know that feeling when you check your bank account and suddenly you’re thinking, “Hocus pocus, I’m brokus”? Yeah, we’ve all been there. It’s like one minute you’re feeling on top of the world, and the next, poof! Your money’s vanished faster than a rabbit in a magician’s hat. But here’s the thing: our finances aren’t actually controlled by some mysterious, magical force. Even though it might feel that way sometimes! Nope, it’s all about the […]

You know, it’s funny how we often think about our finances. We look at our bank accounts or our debts and think, “Wow, I need to make some big changes here.” And then we get overwhelmed and end up doing… well, nothing. Sound familiar? But here’s the thing: what if we didn’t need to make those massive, life-altering changes all at once? What if we could improve our financial situation just a little bit every day? […]

Either you put your money to work for you, or you will always have to work for your money. Understanding and acting on this concept can be the difference between perpetual financial strain and achieving lasting financial freedom. At its core, putting your money to work means investing in avenues that generate passive income—earnings you receive without actively working for them daily. This could mean investing in stocks, bonds, real estate, or even starting or investing […]

Parents have the profound responsibility and privilege of shaping their children’s relationship with money. In a world where financial literacy is often lacking, equipping our kids with the knowledge and skills to navigate their financial lives with confidence and wisdom is one of the greatest gifts we can give them. By starting early and making financial education a consistent part of family life, we set our children up for long-term well-being and success. Teaching kids about […]