Essays

Calm essays on clarity, judgement and financial life. No hurry and no noise.

• Assets and liabilities: the structure of your financial life

  What an asset is, what a liability is, and why telling them apart properly is the foundation of any clear financial life.

• How to calculate your net worth

  What net worth is, how to calculate it step by step with an example, and how to interpret it calmly.

• Why you don't need to check your portfolio every day

  How often you look at your investments changes what you see. On noise, attention, and the quiet price of looking too much.

• End-to-end encryption, explained with your finances

  What it means for a finance app to be end-to-end encrypted, what changes in practice, and the questions to ask any app that stores your figures.

• Keeping your finances by hand, deliberately

  Why recording your own movements, without connecting your bank, can be a deliberate practice rather than a chore.

• Signal and noise

  Almost all the financial information you receive does not deserve your attention. Three questions to tell apart the part that does.

• How to think about your equity compensation

  RSUs, options, vesting and concentration: a calm framework for reasoning about the part of your salary that arrives in shares.

• Thinking in decades

  Time horizon is the most important financial decision almost nobody makes consciously. On compounding, patience and judgement.