Frameworks

The All Weather Four-Quadrant Portfolio

Balance risk across growth and inflation so no economic environment can wipe you out

The Get-Rich Algorithm

Build wealth with four levers: focus, stoicism, time, and diversification.

The Rule of 95/5

Manage 95% of spending like a maniac so you've earned the right to spend the last 5% foolishly.

Wealth Is What You Don't Spend

Separate rich from wealthy and build the invisible savings no one can see

Volatility Is the Price of Admission

Treat market downturns as the fee you pay for returns, not a fine for a mistake

Save Like a Pessimist, Invest Like an Optimist

Split wealth into two opposing skills: getting rich and staying rich

The Income-Spending Gap

Widen the distance between what you spend and what you could lose to guard your happiness

Know Which Game You're Playing

Only take cues from investors whose time horizon matches your own

The Barbell Buying Strategy

Own best-in-class or dirt-cheap, and nothing in the middle.

Wealth Is Time Survival Formula

Measure wealth in months of runway, not dollars, and build it three ways

Buy Back Your Time

Convert money into hours whenever your hourly value beats the price

The Global Citizen Sandwich

Layer your assets: a safe-haven bank on top, your real life in the middle, frontier growth below

The Three C's of Passive Income

Route every income idea through capital, code, or content

Don't Beat the Market, Track It

Automate a fixed monthly index investment instead of trying to time or pick stocks

Strategic Money

Treat every purchase as an investment in happiness per dollar

Endurance-First Investing

Manage money to sleep well, not to maximise returns, so you never have to sell at the bottom