Swart Donkey

Financial Yoga is a framework for release from seeing yourself as a productive asset. An asset is not simply something you have.  It is true...

Building wealth requires a plan . Before that, if you are trapped, you need an escape plan. If you are in a situation where you don’t have t...

My dream when I “stopped working” in 2014 was not to do nothing. I just wanted to not have to think about how what I would do would make mon...

Insurance works on the “law of large numbers”. Unlikely events with big consequences are spread out over large groups. A small, certain, pre...

Investing is a solved problem. As Seth Klarman points out, “the real secret to investing is that there is no secret to investing”. The unsol...

Money is made by solving problems for decision-makers with money. Desire to solve those problems is not enough. You need the skills and know...

My first job after university was in Risk Product Development. My focus area was Earning Ability. Money is made by solving problems for deci...

You can think of capital as your Mini-Me. In a world that defines us by our earning ability, building capital is a path to telling those voi...

There will be many lessons learnt when we reflect on 2020, and unfortunately probably most of 2021 too. When the dust settles. One of those ...

“ Poverty is not a lack of character. It is a lack of cash ,” points out Rutger Bregman. Two fundamental principles in stilling the waves of...

During the first decade of building your Engine, you won’t see the dramatic effects of compounding. If you think of your money as a mini ver...

Fundamental Investing is the idea that what a business does actually matters. A good business takes Capital and sustainably generates cash...

Disability Insurance covers the risk that you are unable to work. If you can’t work, you still have to live, and the way society is struct...