Avoid whole life insurance – what to do instead

Whole life insurance plans have always been controversial globally. They exist mainly to make the insurance company and their sales ‘advisor’ lots of commission. You must avoid them, escape from them and warn other people, as there is a slick marketing machine designed to part you from your money.

Make Your Life More Wonderful

I want to show you that you can have it both ways. You can have great riches amassed through the capitalist system (the stock market). And you can have a huge impact on your family, community and the world, by using your riches to become financially independent.

Five ways to stop stressing about money

It isn’t money that will kill you but the stress around money. Even before the pandemic, expats had astonishing levels of heart disease, diabetes and cancer. These are to a great extent lifestyle diseases accelerated by stress and the unhealthy living that stress can encourage.

Speeding through the different stages expat-invest-financial-independence

Speeding through the different stages of Financial Independence

Through the darker, more difficult parts of the journey, the benefits of FI can help you pull through. Think of how much more time you will have to spend with family and friends. Think about what impact you can have on the world. That’s what Sebastien really cares about – it’s all very well amassing spare time and money, now what are you going to do with it?

Don’t invest alone

Countless studies have shown that two people make better financial decisions than one, by offsetting each other’s unhelpful biases. Too much risk vs not enough risk. Too much spending vs too much miserable cash hoarding. Too much trust in a financial advisor vs healthy cynicism and reading of the small print. If you have a partner, do it together.

Moving Home

In an ideal world, you need to prepare for moving countries over a year in advance. If it comes at you unexpectedly, then do what you can. Here is a short guide to help you with this daunting task.