It’s time to become that expat who is great with money
Join my Financial Transformation Program now to learn all about how to plan, save and invest by yourself as an expat. Broad, deep, engaging, supportive and relentlessly practical. We will give you everything you need to optimise your money now and build a big investment portfolio to support your future. Beginners welcome.
“When I signed up I wasn’t sure how ‘transformative’ FTP could truly be, however I’ve come out of the program with a totally new approach to my finances. I feel empowered by what I learnt and confident to act on it I wouldn’t hesitate to recommend it.” – C, UK expat in East Africa
Learning Sessions begin 15 June, limited spaces, register now to get started.
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.
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Blog: latest posts

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?

The 7 Phases of Expat Life – Are You Financially Mature Yet?
There are 7 phases of expat life. Most people skip the real money-making stage and go straight back to being an ex-expat. Don’t be like them! You need to reach Financial Maturity.
Blog: Investing (funds, ETFs, brokers, currencies & transfers)

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.

Top FAQs about expat saving and investing
There are some questions about expat saving and investing that get asked again and again. Which is understandable – these are the things expats worry about AND can’t find the answers to easily.
Blog: Planning (mindset, current situation, future needs)

12 fantastic reads that will improve your life and money
It doesn’t take much to distract you away from categorising your credit card spend, so here are 12 good distractions to expand the mind. Usually better than scrolling.

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 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?
Blog: Saving (income, expenses, debt, cash)
Blog: Troubleshooting & terrible savings plans
It’s time to become that expat who is great with money
Join my Financial Transformation Program now to learn all about how to plan, save and invest by yourself as an expat. Broad, deep, engaging, supportive and relentlessly practical. We will give you everything you need to optimise your money now and build a big investment portfolio to support your future. Beginners welcome.
“When I signed up I wasn’t sure how ‘transformative’ FTP could truly be, however I’ve come out of the program with a totally new approach to my finances. I feel empowered by what I learnt and confident to act on it I wouldn’t hesitate to recommend it.” – C, UK expat in East Africa
Learning Sessions begin 15 June, limited spaces, register now to get started.
