Swart Donkey

Clear and present dangers stop you from building capital. By definition, there isn’t “extra” if there isn’t enough.  One of the challenges f...

Plan for things not going according to plan. Start with space. In monetary terms, that boils down to what your income is and what your spend...

“ 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...

How do we wean ourselves off structural income dependence? Even most of the wealthy live hand-to-mouth in a fragile way. We don’t look at ...

The size of your work income doesn’t determine your financial security. You can earn £10,000 a month in London and be more fragile than so...