How I invest my money

One of the most common questions I’m asked is: How do you invest your money? It’s a difficult question to answer because it can be interpreted so broadly. Are we talking about how do I physically go about investing? Or, what asset allocations do I use? What strategic allocations do I use (UK equities vs…

Mrs YFG: on counting gold stars ⭐️

Mrs YFG here. I recently watched a Ted Talk by Mandy Saligari (Feelings: handle them before they handle you). It strongly reminded me of how I grew up. I have spent most of my life trying to be “the good girl”. At home with my mother, I avoided conflict and eagerly bent to please. I…

The Annual Allowance

A few weeks ago I wrote about the Lifetime Allowance (LTA). The LTA was brought in on A-day (6 April 2006) when there was an overhaul of UK pensions. (It’s worth having a read of that piece for some of the background history). At the same time, the Annual Allowance (AA) was also introduced. The…

Something a bit different – A Monday World Cup Maths Puzzle

If you didn’t know already there’s an obscure little sporting tournament in Russia which starts this month. It is, of course, the World Cup! If you’re a bit footy-mad like me, past World Cups bring back glorious memories. Particularly those from your childhood. An abiding memory of mine is of the 2006 World Cup which…

Mr YFG needs your advice and some other odds and ends

Hello loyal readers. I’ve got a favour to ask. I’m looking for a bit of advice on the content of the blog. In short, what types of posts do you enjoy reading the most? What content brings you to my blog? What contents keeps you reading? Some background on why I’m asking. I usually aim…

The Lifetime Allowance

When I started this blog I didn’t have a set target in mind about what I wanted to write. The result is that I’ve written about all sorts of subjects from why Mrs YFG and I don’t want kids through to the technicalities in Safe Withdrawal Rates. I enjoy writing about FI and various tangential…

Is private school worth it?

Right now students up and down the country are studying away and taking their final A-Level exams. Mrs YFG and I have carefully observed the mortal panic of colleagues and friends as their kids sit their exams. Good results and the fruits of all the schooling will have paid off. Bad results and it will be…

How to budget like a Wall Street banker

Budgeting can be the most important step in successful financial planning. But the way we’re told to budget is usually counter-productive. The reason most budgets fail is that they are doomed from the start. They don’t work. People think about a typical month. Massively underestimating what they actually spend. The way I like to think about…

Mrs YFG’s FI philosophy

Mrs YFG here. It’s been a mixed bag for me working towards FI. I have a few years left. I was brought up with the idea that you always saved one-third of your money. The rest you could spend as you pleased. I did this until about the age of 16. After working nearly a…