Financial Independence Resources

Since education gives the highest ROI (return-on-investment), here are my favourite financial independence resources. It’s what shapes Foxy Monkey and what I follow to dive deeper into the fascinating world of personal finance and investing.

The list below helped me understand better how to invest to achieve my financial independence goals and how to avoid common mistakes. These books, blogs and podcasts are also very entertaining too 🙂


Smarter Investing by Tim HaleFor years I was looking for a book that explains how to invest in practical steps. Smarter Investing by Tim Hale is exactly what I needed.

The book provides an all-round education from a UK perspective. The information can be applied immediately in the real world. Things like how to assess a fund, how to diversify in equities, bonds and property depending on your goals and how to construct an all-weather portfolio.

Just buy it and refer to it again and again.


The Intelligent InvestorThe Intelligent Investor is a must-read for every serious investor. Benjamin Graham, the author of this book, is considered the father of value investing.

Graham was the teacher of Warren Buffet and taught him the rules for evaluating stocks, avoiding the hype and focusing on buying good long-term opportunities.

It’s not a beginner’s book and can be dull and lengthy but the content is gold. I have to read it again! An all-time classic.


Richest Man In Babylon

The Richest Man in Babylon is a great novel about the rich and the poor in ancient Babylon. Working hard is not enough to become rich. The book is a collection of wise parables that apply to today’s world!

It’s written in an entertaining way and reminds you of all the basics. Control your expenses, save hard, invest wisely and keep some money for yourself!

“A part of all you earn is yours to keep”.


Rich dad poor dadFocus on building assets and not liabilities.

Assets are those things that appreciate in value. Buying assets will return higher income over time. Think of buying a house to rent or Easyjet shares that pay dividends to you.

Liabilities, on the other hand, depreciate over time. Think of a modern car. You win the money game by owning assets and minimizing liabilities.

Rich dad poor dad is a fascinating entry-level book.


The subtle art of not giving a fck Mark MansonNot a personal finance book per se, but one that makes you look at yourself in the mirror and realise what you want.

The Subtle Art of Not Giving a F*ck will teach you that we find happiness only when we solve problems we actually care about. It’s about caring less about small things like work arguments, and neighbour jealousy and focus on making ourselves more meaningful.

It helped me understand how happiness is generated and what problems to focus on. Read my full review here.


The Millionaire Fastlane: Crack the Code to Wealth and Live Rich for a Lifetime! The Millionaire's Fastlane: Crack the code to Wealth and Live Rich for a Lifetime is such a cheesy title! MJ DeMarco hit it big when he stopped driving the limousine and built an online limousine service instead.

He focuses on teaching you the mindset of scaling your time and building a business that makes money while you sleep. Trading your time for money is not the best use of your time.

I don’t agree with everything he says, like “buy this lambo and live the high life”. Have we not already agreed that buying shit won’t make you happier? He, however, offers some good points on building a scalable business.

Sometimes his writing is arrogant and aggressive but you might like it.

Four pillars of investingIn this book, William Bernstein explains all you need to know about investing from scratch. It starts with the history of the whole stock market and explains how fees and diversification can help you build a solid portfolio.

Although it comes from a US perspective, the principles are exactly the same. Avoid expensive fund managers and stockbrokers, don’t pick stocks and remove the human psychology from the equation.

The Four Pillars of Investing is a great beginner’s book.


The Complete guide to property investment

The Complete Guide to Property Investment is probably the only book you will need to start investing in property.

Property is, without doubt, England’s favourite asset class and the Brits are obsessed with it! In fact, the buy-to-let business is considered to be a leveraged investment that can offer great returns to those who use it right.

How to spot good housing investments? How to evaluate if a property will make a profit or a loss?

Rob Dix is a great guy with humour, who I’ve met. He runs the Property Podcast which I also highly recommend.

Foxy Monkey classics

pay down mortgage or investShould I pay down my mortgage or invest?

There is no right or wrong answer to this question. This post will help you understand what is right for your personal circumstances. You’ll have to take into account your risk appetite, current interest-rates, taxes and how comfortable you are with investing. You could probably make more money if you invest but I haven’t met a single guy who feels bad for paying down their mortgage!

Build your own luck
A huge luck snowball!

Build your own luck

Have you ever wondered why some people are always lucky? It turns out we can build our own luck around anything we’re passionate about. Read to find out how!


financial independenceWhy everyone should focus on their Financial Independence

Financial independence is the state of being free to live your life the way you want, without having to worry about money.

It’s definitely possible and it’s the reason I created this blog. Become financially independent, retire early and focus on things that matter to you. The recipe is simple, but yet hard to mentally accept it. Read on!

Best Stocks and Shares ISA ProviderThe Best Stocks & Shares Provider

Which is the best Stocks and Shares ISA provider? Or which one is the cheapest?

This post explains why Halifax provides the lowest fees, good customer service and a trustworthy name.

Matched BettingBoost your side income with matched betting

You can accelerate your journey to financial independence if you find ways to boost your income. Matched betting is a great way to create a side income which I have been doing for 2 years now. I have a dedicated matched betting section and explain how you can make £500-600 per month from the comfort of your sofa 🙂

Personal Finance Blogs I Follow

I find that the best way to consume those is to either subscribe via e-mail to their newsletter or use an RSS reader like Feedly.

If I don’t have time to read them right away, I save the articles on an app called Pocket. Then, when I have time I already have a reading list waiting for me! Pocket allows you to read the articles offline (in the tube etc).

Don’t worry if you don’t have time to read everything. Foxy Monkey will distil the content and deliver it to you 🙂 —-> Subscribe here.

Personal Finance Podcasts

Credit card with perks

American express gold

I do all my spending using an Amex gold. It’s free for the first year here in the UK and you can cancel it before the year ends. The greatest thing about this card is the sign-up bonus (20,000 points) which translates to about £200. Then you get 1 point for every £1 of spending.

You’re, effectively, earning points when you spend and can claim them on Amazon purchases, Avios points (1 Amex = 1 Avios), Tesco and more. If you sign up through this link you get a 22,000 points sign-up bonus and I earn 9,000 points. To my surprise, Amex is also widely accepted.

Have you read any of the above books, podcasts, blogs? Have I missed anything related to personal finance?

Let everyone know in the comments and help each other!


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