Practical personal finance — and one founder's honest journey, built in public.
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At twenty I put everything into one stock and it worked, which is the worst possible outcome. If a 2x version had been one tap away, I'd have tapped it. The maths of leveraged ETFs is arguable. The behaviour isn't. They don't double your returns, they double you.
Dennis Vymer
Dennis Vymer
Dennis Vymer
Dennis Vymer
Dennis Vymer
New to personal finance? Foundations, first steps, and quick wins.
Quits are at a decade low, global engagement is 20%, and FIRE is quietly absorbing everyone who won't walk through an open door. I like my job and still save half. Here's why an escape-shaped plan builds a worse portfolio than the same numbers.
Dennis VymerDennis Vymer
Dennis Vymer
Dennis Vymer
Dennis Vymer
Dennis Vymer
Budgeting, saving, and everyday money habits that stick.
Our monthly money date takes twenty minutes and it's deeply boring, and for years I thought that was because we're good at talking about money. It isn't. Half of couples avoid the conversation on purpose to keep the peace, and every article tells them to talk more. Here's the opposite case.
Dennis VymerDennis Vymer
Dennis Vymer
Dennis Vymer
Dennis Vymer
Dennis Vymer
Investing explained from zero — terms, accounts, and strategies.
Four in five young UK investors use AI for investing. Nearly three in four know it can be wrong. They do it anyway. AI didn't make anyone a better analyst, it made conviction free — and conviction was always the expensive part. Here's the test I use instead.
Dennis VymerDennis Vymer
Dennis Vymer
Dennis Vymer
Dennis Vymer
Dennis Vymer
Deeper dives for investors: portfolios, risk, and market insights.
At twenty I put everything into one stock and it worked, which is the worst possible outcome. If a 2x version had been one tap away, I'd have tapped it. The maths of leveraged ETFs is arguable. The behaviour isn't. They don't double your returns, they double you.
Dennis VymerDennis Vymer
Dennis Vymer
Dennis Vymer
Dennis Vymer
Dennis Vymer
The personal side
Personal stories and lessons from the road to financial freedom.
Our daughter arrived with permission to buy a bigger car, hotels instead of a tent, more square metres. We bought almost none of it. Lifestyle creep isn't a spend-more or spend-less question — it's a timing one. Savour first, upgrade last.
Dennis VymerDennis Vymer
Dennis Vymer
Dennis Vymer
Dennis Vymer
Dennis Vymer
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