Why patience is part of the plan
When you look at your investment portfolio, it’s tempting to focus on what’s “winning” right now. You might notice one fund doing well and another lagging behind, and think: “Why am I holding on to…
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When letting go creates more space for growth
When we talk about money, we often slip into the language of control: budgets, targets, forecasts, plans. It’s comforting to believe that if we just work hard enough at managing things, we can shape…
Why diversification still works — even when it doesn’t feel like it
When markets are stormy, it’s easy to question whether diversification still works. You might look at your portfolio and think, “Everything seems down; what was the point of spreading my money…
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…
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…
Cross-cultural connection in financial planning
You have a lens, and here’s why it matters… Financial planning is often seen as a numbers game, retirement goals, investment returns, tax efficiency. But beneath the spreadsheets lies something far…
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.…
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…
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…
When your body says no
(Inspired by Gabor Mate’s book: When the Body Says No: The Cost of Hidden Stress) Learning to listen to your intuition in money matters, matters. Have you ever agreed to something that felt wrong in…
Guided or manipulated?
Good advice has always been about helping people make wise choices. But in the age of behavioural finance, there’s a new layer to consider: how we help people make those choices. Enter the concept of…
Engaging with your financial plan
Financial planning, like therapy or coaching, isn’t just about solving a problem. It’s about holding a safe space where real change can happen. That space might be a spreadsheet, a conversation, or a…