Swart Donkey

Getting comfortable with discomfort is necessary to still waves of anxiety. The ability to enjoy the challenge comes from a degree of intern...

Our understanding grows from the base of our mother tongues, and the context that provides as a foundation. Memory works by having somewhere...

Confidence is attractive because it suggests insight into bewildering complexity. Admitting you are lost doesn’t feel like, or often transla...

Planning is not just picking one desired path. It is also preparing mentally, emotionally, relationally, and financially for the possibility...

Tapas means “to be without”. Not in a way that does harm. Similar to the idea of Lent, or the ideas put forward by the Stoics. If you can ge...

I am not that interested in the first five years, if that is all that is on offer. I believe in compounding and foundation building. If you ...

First, find shelter. It is impossible to build if you don’t survive each day. Warmth, sustenance, and protection from the elements aren’t ne...

In Balancing Postures, you find your balance by picking a fixed point to focus on. You still your breath and fix your gaze. Gradually, for l...

Compound growth is both powerful and dangerous. I am a believer in both localisation and globalisation. In unlearning and learning. In str...

Every journey starts from where you are. No one else is where you are. One of the first steps in a financial plan is knowing where that is...

The harder you hold onto something, the more likely you are to lose it. I am a Scatterling of Africa. A Soutie. A Vagabond. One who has no...

Insurance is a Grudge Purchase. You don’t see the benefits when things are going well. When things go wrong, it is tough to feel good about...

Too many of our financial decisions are made based on a multiple, or percentage, of income from labour. Labour Income is a fragile, isolat...

We know we have a debt problem. How it unravels without excessive pain is the million-dollar question. The less discussed question is the ...

One noticeable difference as a Soutie is how get togethers are organised in my UK bubble relative to my SA bubble. Down South… Nice weather...

The foundations matter more than the fireworks. A key to Capitalism is the idea that you can make yourself redundant if you are an owner. O...

We don’t have to live hand-to-mouth. Capital can earn money that can finance our needs, and in good times wants. It can provide a buffer f...

Businesses can live hand-to-mouth in the same way as people do. Pay-check to pay-check. They can require things to run smoothly in order t...

“Yoga is stilling the waves of the mind.” My wife recently asked me when I was at my happiest. Two moments sprung to mind. When I was do...

Survivorship Bias is our tendency to see the people who made it through some selection process, without seeing those that did not (even if...