Our earliest money lessons shape our entire lives. This is a personal story of a family heirloom, a pawn shop in 1990s Russia, and the first real lesson on the cost of money over time. A reflection on financial resilience, self-reliance, and how our past forms the foundation for our future.

Why is personal finance so hard? This post explores the core philosophy that the real work isn't in the spreadsheets, but in understanding our personal money stories, fears, and beliefs. Learn why shifting your internal mindset is the true foundation of building a resilient and intentional financial life.

Beyond the emotional debate, what does the math say about owning vs. renting? This deep-dive analysis explores the financial models and key variables you need to consider. Learn how to weigh the trade-offs between lifestyle and investment, and use the included spreadsheet to run the numbers for yourself.

Get a clear, actionable framework for your annual financial planning. This post walks through a step-by-step process: estimate income, define necessary expenses, and strategically allocate the rest to your long-term goals and lifestyle wants. A practical guide to enter the new year feeling in control.

A personal journey through the world of stuff, from a cross-atlantic move with just four suitcases to experimenting with Konmari, The Home Edit, and The Minimalists. This post explores the link between physical clutter and financial stress, and how to find a balanced, intentional approach to consumerism.