Join my Financial Transformation Program in 2025
Learn everything you need to know to plan, save and invest by yourself with confidence, so you can take control of your personal finances and accelerate your time to Financial Independence.
This is my ultimate program, combining online live group learning sessions, private coaching sessions with me, accountability, community and much more. Designed for busy expats and suitable for expats anywhere. No prior knowledge required – our approach is always friendly, clear and practical.
Serious saving made simple, practical and memorable...
...with all the useful details nobody else bothers with
500 expats learning about Financial Independence – now you can too!
Saving Made Simple
Learn how you can save and invest quickly, cheaply and flexibly, so you can get on with living a fantastic life.
Saving requires a bit of discipline, which is much easier when you know why you are saving and how much you will need. Investing sounds complicated and an entire industry wants you to think it is. But investing sensibly can be very simple, especially in the age of global index funds.
The hardest thing will be investing regularly while ignoring all the chatter from your mind and the media. Your brain wasn’t designed to deal with stock market swings, so get it out of the way and stick to the rules. We’ll show you how to do that too.
If you’re bored by personal finance books and numbed by numbers, this is the place for you.
Join Our Community
Get our articles first – practical and memorable advice on saving your money and avoiding financial pitfalls.
We won’t share your email with third parties and will never spam you.
Start Here
If you’re new to saving and investing, click the button to get started with 10 simple steps to Financial Independence.
Blog: latest posts

Are you facing a fixed-rate loan disaster?
If the fixed period on your mortgage will expire in the next 1-2 years, or you are considering a new loan, act now or face a big increase!

Could inflation be good for you? Or hit you harder than others?
Is there any silver lining when it comes to inflation? For some people, maybe there is. Let’s have a look at who will benefit and who will get squeezed…

How to plan for a recession so you survive inflation and the cost of living crisis
I do not have a crystal ball but there could be challenging financial times ahead in the next 18 months. How should you adjust your planning, saving & investing?
Blog: Investing (funds, ETFs, brokers, currencies & transfers)

New Vanguard stock fund worth a look for expats
On 25 March, Vanguard launched a new set of all-world exchange-traded funds (ETFs) that are highly relevant for any expats or people living in developing countries. One of them could become the only stock fund you need in your portfolio.

Update on brokerage protection limits
Interactive Brokers is by far the cheapest brokerage for people living in developing countries. I use them myself (and I don’t have any further affiliation with them). They are large, well-capitalised and secure. The extra capital protects them against shocks, unlike Robinhood which had to scramble to raise money in January. But what would happen to your money if IB failed?

Should GameStop & Bitcoin change our investing?
99.99% of the financial news should not change how you invest. Read it out of interest for what’s going on in the world, but don’t let it change your investment approach. Just don’t. It’s a slippery slope that leads to shiny object syndrome, FOMO and market timing, all of which will part you from your money. Let’s have a look at a couple of newsworthy events and see if they merit a reaction.
Blog: Planning (mindset, current situation, future needs)

Unplug From Work: Your Money Must Work Harder Than You Do
If you’re someone who can never switch off from your phone / work / checking your stock portfolio then you are not doing yourself any favours.
I went on holiday for a whole week and decided a FULL unplugging was required.

10 ways to stop your brain’s love of complexity from messing up your saving & investing
Our brain instinctively defaults to addition and complexity when problem-solving. Understanding how this knee-jerk reaction messes with your finances will help you increase your wealth and reduce your stress. Who doesn’t want that?

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.
Blog: Saving (income, expenses, debt, cash)

Stop your bank ruining your day (or worse)
It’s usually painfully obvious that banks are not really on your side. Here are some thoughts on how to make interaction that little bit easier.

Are you a Dragon sitting on your pile of cash?
Dragons love to sit on their big pile of cash, gold and property. But their excess cash gets eroded by inflation and they miss out on stock market growth.

How to avoid drowning in debt and escape forever from the debt swamp
I’m proud to serve on The Debt Panel of The National newspaper in the UAE, but it can be depressing. Almost every question is from someone who has over-loaded themselves with debt and cannot see a way out. This week’s question was a classic example of this.
Blog: Troubleshooting & terrible savings plans
Join my Financial Transformation Program in 2025
Learn everything you need to know to plan, save and invest by yourself with confidence, so you can take control of your personal finances and accelerate your time to Financial Independence.
This is my ultimate program, combining online live group learning sessions, private coaching sessions with me, accountability, community and much more. Designed for busy expats and suitable for expats anywhere. No prior knowledge required – our approach is always friendly, clear and practical.