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Save, earn and invest money to achieve financial independence and a stress-free life.

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Life Hacks


We often talk about maximising our investing profits, optimising for tax between ISA and pensions, or whether a 5% small-cap allocation in our portfolio is

Coffee beach

Reflections 2020

Don’t worry, this won’t be a COVID-only post. But I’m allowed to refer to it a few times, if that’s ok. Just wanted to write


Foreign currency risk for UK investors

When investing internationally, foreign currency is an important risk factor to consider. It can affect your returns and rock the boat. The first thing that