About the author

Hi I’m Nick!

If you’re feeling trapped in an endless race to earn enough to pay the bills.

If your financial future is a source of anxiety

If the thought of working towards a retirement in old age fills you with dread

You’re in good company

What I propose is that together we learn to


to reach our individual points of


I’ve spent a lifetime learning lots of skills, most of them in finance and economics, all for the purposes of putting those skills at the disposal of companies and institutions that would allegedly do great things.

Someone once said:

If you’re not building your dreams, your building someone else’s.

So there I was, toiling away at someone else’s dream, wondering why it never quite felt satisfying.

That there is a picture of me on holiday. It’s all zoomed out so you can’t see the bags under my eyes and the relief in my shoulders as I take a few of my 25 annually permitted days to not be in the office. When I got back from this holiday, of course, I had to work extra hard to earn enough to go on the next one. Not the greatest life (but it was a very good holiday).

My income would go up, I’d move to a nicer area, my spending would increase and I’d find myself running faster just to stand still.

I did quite well, and as the promotions came in, the jobs became harder, with more responsibilities and more hours and more travel and more anxiety and an ever greater impact on my personal life.

This is not to complain, many people would have loved my income and my little luxuries. It’s easy to portray a life spent in business lounges waiting for the next flight to Tokyo as glamorous, and for a while it is. But after years of working towards a goal that only ever seemed to add up to the next promotion, it didn’t add up to the lifestyle I’d subconsciously internalized. Every career decision was always made so that I could have a better future later, and that future kept getting redefined and further away. I seemed to be working so that I could be “more successful” which seemed to mean working harder, with less time to myself and more stress from the workplace.

As the wonderful holidays got cancelled more and more often and the air miles added up at the cost of my sanity and my social life, I started wondering if perhaps the road I was on was not the one I really wanted. In fact, it began to feel like a circuit that only ever led back to a decision to work harder, for longer, for less money than I needed to be financially independent.

I’d lost sight of my original goals, taken a wrong turn and allowed my career to swallow me whole.

Definition of Financial Independence: The ability to work on what you want, when you want, where you want, with who you want.

By the time I’d realized this I was married with kids and a whole lot of responsibilities that don’t make extreme financial risk-taking a valid option.

I couldn’t make a sudden shift, but I could engage a gradual turn – a progressive, determined adjustment that, over time, would take me in a new direction.

For this I needed to disengage, bit by bit, from the mouse wheel on which I had built up so much speed.

I needed financial independence.

I’m on that journey now, and independence from the monthly salary gets built through a large number of changes, adjustments, initiatives and projects that I’ll explain, illustrate and document on this blog.

The point here is to make it as useful to you as possible, with something everyone can take away to help them in their own project to become financially independent and no longer work to just about get by.

Join Me!

If this is something that excites you like it excites me, then please join me on the journey. You can do that by signing up below.


I’ve a finance background, so I’ll be looking primarily at how you budget, track expenditures, control spending and optimize investments to ensure you get the amount of money you need to claim your independence and do what you choose.