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Personal Finance 

Don’t Teach Personal Finance in Schools

20/11/202204/01/2023 Haydn Martin 0 Comments Complexity, Derivatives, Education, Forecast, Passive Investing, Statistical Inference, Trading

Should they teach personal finance in schools? No. In this post we explore the reasons why this is a bad idea.

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Personal Finance 

Why Rich People Are Broke

05/08/202205/08/2022 Haydn Martin 0 Comments Consumption, Lifestyle, Long-term, Principles

A significant proportion of high earners are living paycheck-to-paycheck. Why? In this post we explore some of the reasons for this strange phenomenon.

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Investment Philosophy Personal Finance 

Don’t Think About Personal Finance in Isolation

24/07/202224/07/2022 Haydn Martin 0 Comments Big picture, Hedge, Long-term, Portfolio Construction, Return

Personal finance is complex. This means that reductionism is dangerous – don’t think of personal finance components in isolation in time or space.

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Personal Finance 

Financial Utopia Without Financial Advisers

10/06/202204/07/2022 Haydn Martin 0 Comments Financial Advice, Financial Advisers, FOMO, Long-term, Principles, Return

In an ideal world, everyone would have a financial adviser. But in reality, that’s not possible. The good news is that most people don’t need one.

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Personal Finance 

Putting Out a FIRE Part II: The Happiness Problem

24/04/202204/07/2022 Haydn Martin 0 Comments FIRE, Happiness, Life

FIRE is mathematically flawed but is also psychologically flawed. It involves sacrifices early years for some hypothetical tomorrow – there is a better way.

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Personal Finance 

Putting Out a FIRE Part I: The Numbers Don’t Add Up

11/04/202204/07/2022 Haydn Martin 0 Comments Average, Distribution, Expectation, FIRE, Return, Wealth

Popular FIRE accumulation and withdrawal are too risky. Simulations tell you that following FIRE religiously can leave you exposed.

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Personal Finance 

Pensions: How We Got Here and Where We’re Going

25/11/202104/07/2022 Haydn Martin 0 Comments Future, History, Pensions, SIPP

Pensions used to be easy – your company did everything for you. Now the system is a mess, you accumulate far too many. We need reform.

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Investment Philosophy Personal Finance 

What’s the Point of Investing?

30/08/202104/07/2022 Haydn Martin 0 Comments Consumption, Inter-temporal, Interest Rates

What’s the benefit of investing? Money is time-discounted but happiness is not. So you can invest to get more happiness later.

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Investment Psychology Personal Finance 

Non-Financial Factors

29/07/202105/07/2022 Haydn Martin 0 Comments Average, Books, Decisions, Ergodicity, Goals, Non-Financial Factors, Timing

There are a plethora of non-financial factors that affect financial decisions. The most optimal financial one might not be the best one.

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Personal Finance 

The Best Way to Approach Personal Finance

09/05/202105/07/2022 Haydn Martin 0 Comments Bottom-up, FOMO, Goals, Personal Finance, Top-down, Uncertainty

There are two ways to approach personla finance: bottom-up and top-down. Bottom-up is better, but a bit of a mix is best.

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