The library
Learn — at your own pace
The timeless half of this site: the things that will be as true in ten years as they are today. None of it is required, all of it is here for the moment you want to understand something properly.
Not to hand you homework — understanding is what turns a plan you were given into a plan you chose.
Don't start here. Start with the Freedom Gauge — it tells you which of these actually matters at your stage, and which can safely wait.
The foundations
Understand it once, use it forever
Finance 101
Five short lessons on how investing actually works — so the plan makes sense and red days feel survivable.
Go →02See through the pitchesCompared, honestly
Thirteen head-to-heads — ILP vs unit trust, BTO vs resale, car vs no car — numbers first, loyalty never. With the myths worth un-learning.
Go →03Open the machineHospital plans, in full
How the machine actually pays a $56,900 bill — deductibles, pro-ration, panels, underwriting, the cancer list.
Go →04See the plumbingInside the industry
How advisers are paid, trailer fees, and the two Benefit Illustration columns that show you everything.
Go →Look things up
The quick references
Glossary
Every acronym in one plain-English sentence each.
Open →The calculators
Your numbers, not a sample couple's — affordability, cover, SRS, retirement, education, freedom.
Open →The milestone checklists
What to handle at each life milestone — and the windows that quietly close.
Open →Questions clients ask
The honest answers, gathered.
Open →Beyond the numbers
The bigger picture
Money only really makes sense in light of what a good life asks of it. These are the quieter ideas underneath everything else here — some mine, some borrowed from wiser people. Take what helps you see your own life more clearly.
Congruence in life
A tree model of joy — when your roots, your resources and your fruit grow in the same direction.
Read →Ikigai
A reason to get up: what the word really means, and the famous four-circle diagram it isn't.
Read →The Cashflow Quadrant
The four ways money reaches you, and why your quadrant shapes more than your income.
Read →How the world works
Inflation, interest rates and jobs — and the long, slow rise and fall of world powers.
Read →Mistakes & regrets
The money mistakes people most regret — and the deeper regrets that have nothing to do with money.
Read →Stewardship — faith & money
Holding it with an open hand: the posture underneath everything here, and the faith it grows out of.
Read →Guidance for where you are in life — the flat, the wedding, the baby, retirement — lives under Seasons. And if something has just happened, the playbooks are under Right now.
Money is the stem, never the point. All of this is here so the numbers stay in service of a life worth living — and when a page raises a question about your numbers, that's what I'm here for.