Notes on a free life.
How I think about freedom, money and the default script — in plain words, no advice. The same thinking I bring to a session.
The spreadsheet goblin
I once walked across Dublin to save a bus fare — and put my whole portfolio where the fees were lowest from day one. Which optimisations are worth it, from someone who's lived both ends of the spreadsheet.
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I retired at 34
The whole exit, told straight: proved on a bicycle, finished with a flight to Lisbon, celebrated with nothing. And the record corrected — I was 34, not 33. I never remember my age.
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Why people don't quit
Some of my friends have been one year away for five years. It stopped being about the money a long time ago — on fear, and the cheapest first step I've seen actually work.
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Buying freedom
How many years of freedom are you buying this month? I used to price everything that way. What's left of the arithmetic now — and the things people misprice most.
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The blank page
Nobody warns you about the morning after financial independence: the freedom turns up empty-handed. What I've learnt about filling it.
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The number
The maths from the talk: how big the pot, why I count thirty times spending rather than twenty-five, and what I actually hold. Still not advice — just my own sums, shown.
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Own your time
Notes from a talk I gave on financial independence, tightened up. None of it is advice — it's just how I think about money.
ReadBring me a challenge.
The Exit Audit, then ninety minutes: a straight verdict, real alternatives with their pros and cons, and your first move. If you want someone to nod along, I’m the wrong person to pay.