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Practical ideas about net worth, mindful spending, investing and financial freedom.

AllSavingInvesting & net worthFIREBusiness ideasHabitsKids & money
Entrepreneur holding the keys of a small local business at dusk, an example of a boring business that generates cash flow
Business ideasAug 27, 2026 13 min

The 5 boring businesses you can buy to reach financial freedom (starting with little money)

Sales agency, specialized vending, house flipping, laundromats and self storage: upfront capital, timeline, monthly potential and how to modernize them with AI to bring your freedom number closer.

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Father and young daughter in front of a laptop showing a rising S&P 500 chart with a piggy bank on the tableKids & money
Aug 27, 2026 13 min

How to give your child €100,000 by age 18 by investing in the S&P 500

With €210 a month from birth, one index fund and zero meddling, your child hits six figures at 18. Here are the numbers, the years and the mistakes that ruin it.

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Split composition: on the left a stressed professional trapped in the salary grind; on the right a serene person free at sunrise, no longer thinking about moneyFinancial freedom
Aug 21, 2026 16 min

Rich vs. wealthy: how much you need to stop thinking about money

Rich is how much you earn. Wealthy is how many months you can live without earning. Here are the figures, the years and the investing strategy.

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Woman reviewing a spreadsheet of assets and debts on her laptop to calculate her real net worthNet worth
Jul 12, 2026 12 min

How to calculate your real net worth (and why almost everyone gets it wrong)

Assets minus liabilities sounds simple, until revolving debt, illiquid assets and inflation show up.

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Man calculating his personal runway, the months of expenses covered by his emergency fundCash flow
Jun 28, 2026 16 min

Personal runway: how many months you last without income (and how to extend it)

A startup metric applied to your life: how to measure your personal runway and take it from 3 to 12 months.

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Investor comparing his portfolio return against the S&P 500 index on two screensInvesting
Jun 9, 2026 13 min

Your portfolio vs. the S&P 500: the benchmark that hurts but teaches

Comparing your return with the S&P 500 without fooling yourself: IRR, dividends, fees, currency and risk.

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Person reviewing AI-powered automatic expense classification on the month's bank statementAI
May 21, 2026 13 min

Automatic expense classification: what AI can and can't do

How hybrid rules stop a transfer between your own accounts from being counted as spending.

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Couple calculating their financial freedom number and the safe withdrawal rate of their portfolioRetirement
May 3, 2026 13 min

Your financial freedom number, explained with no fluff

Safe withdrawal rate, sequence of returns and why your savings rate weighs more than your return.

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Woman doing her 20-minute monthly financial review with coffee and her phone in handHabits
Apr 14, 2026 12 min

Monthly financial review: the 20-minute ritual that holds everything together

The minimum viable ritual to keep your number on track without becoming a full-time accountant.

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