Identity-based financial goals

Identity-based financial goals

Who are you? Who do you want to become? Identity-based financial goals are more powerful than you think. “The goal is not to read a book. The goal is to become a reader,” writes James Clear in his bestseller, Atomic Habits. When it comes to financial planning, we can...
Behavioural Economics 101

Behavioural Economics 101

Why don’t we always do what’s “best” with our money? Let’s be honest: most of us already know what we’re “supposed” to do with our money. But we don’t do it. Spend less than we earn. Save consistently. Invest for the long term. Avoid unnecessary debt. So why don’t we...
Cost isn’t just what you pay

Cost isn’t just what you pay

The true cost of a dollar, Rand or pound (or whatever you’re earning in) is not just what you earn. It’s what you give up to earn it. On paper, your salary might seem straightforward. $75,000 a year. £5,000 a month. R250 an hour. But those figures don’t tell the full...
An overlooked planning tool?

An overlooked planning tool?

Meaning starts with hope, and hope begins with action. Many of the challenges we face today, such as financial stress, burnout, and indecision, don’t just come from a lack of time or money. They can very often stem from something deeper: a subtle loss of meaning. We...
Dream big, plan better, live fully

Dream big, plan better, live fully

Financial freedom quickly become reduced to a number, a target income, a certain lifestyle, or a retirement account that signals “you’ve made it.” But in reality, it’s more nuanced than that. It’s not just about what you have, it’s about how you...