Swart Donkey

Money often gets treated better than people. A company can rebrand, pivot, acquire, or spin off new divisions. Its capital is fluid. We, by ...

When learning to breathe properly, controlling the exhalation is fundamental. In calming your financial anxiety, spending discipline is as, ...

From 2014 to 2021, the main source of my income was no longer a salary. I stripped back my spending dramatically, and was attempting to live...

Building the capacity for long-term thinking, is a form of exercise. Running a marathon is not a one-day event. It starts on the first train...

There is often a disturbing amount of truth in oversimplifications. One is that the path to wealth is shopkeeper-professional-entrepreneur-b...

Sustainability is the key to compounding. Although what you do matters, what you are doing now matters less if you can’t carry on doing it. ...

Spend less than you earn. Easier said than done.  Unless you have outside sources of support, the only way to create space is to “live with...

Calm and clear decision-making starts with managing expectations. If your desire for returns is too high, you open yourself to a new world o...

“Stubborn Attachments” by Tyler Cowen talks about some of the problems of financial decision-making across time. How do we balance actions a...

We do not all have the same skills and knowledge. We do not all have the same barriers to entry. We have different opportunities. We have di...

Financial planning is much less about number crunching and much more about understanding. A planner is more therapist than  mathematician.  ...

If you are able to build Capital, you have to  internalise  discipline. Because you *can* spend Capital. If you stop it working. If you turn...

Actions have consequences. Both intended and unintended. The desire to count and maximise has the unintended consequence of undervaluing the...

Most people I know plan their finances in a bubble. Bryan Caplan points out that “normal people say what other people do, but do what other ...

“Rewilding is about letting nature take care of itself, enabling natural processes to shape land and sea, repair damaged ecosystems and rest...

From a standing start, a big enough Capital Engine to give you complete financial independence is an incredibly ambitious project. Even if y...

A standard question when talking about investments is “what return can I expect?”. Howard Marks warns us to never forget the 6-ft man who dr...

  “Tatra sthitau yatno bhyasah” Yoga Sutras Abhyasa is the continuous effort towards firmly establishing the restraint of thought waves. ...

Part of my practice of Yoga has been reining in my inner competitive South African male. Cumulative hours of pre-Rugby match pep talks mean ...

The Holy Grail is a direct, sustainable, relationship with decision makers with money, where you have their trust and confidence. Trust that...