From Survival to Financial Freedom
A complete programme to take control of your money, step by step. No jargon, no shortcuts, with a clear order.
Mindset and Habits
The foundation
Change the way you perceive money and consumption before touching any numbers.
- 1.1Read →
Why money does matter (and how to stop fearing it)
Demystifying taboos about money. Money is not a goal: it is a tool for buying options and peace of mind.
- 1.2Read →
The trap of 'earn more to save more'
The concept of lifestyle creep. Why a pay rise usually ends in higher spending if there is no control in place.
- 1.3Read →
Minimalist finances and conscious consumption
Distinguishing needs, wants and impulse spending. The 24-hour rule before buying anything non-essential.
- 1.4Read →
Talking about money as a couple without arguing
How to align financial goals at home. Joint vs. separate accounts and the importance of transparency.
Cash Flow and Budgeting
Your day-to-day
Take control of the money coming in and going out each month with simple, sustainable systems.
- 2.1Read →
The budget that doesn't feel like a diet (50/30/20 Rule)
How to structure your income simply: 50% needs, 30% wants, 20% saving and investing.
- 2.2Read →
Personal audit: find where your money is leaking
The importance of tracking expenses for 30 days to identify small daily costs and zombie subscriptions.
- 2.3Read →
The Emergency Fund: your insurance against stress
What it is, how large it should be (3 to 6 months of fixed expenses) and where to keep it without losing liquidity.
- 2.4Read →
Autopilot: automate your finances
How to set up automatic transfers on payday to avoid the temptation of spending what you should be saving.
Debt Management and Elimination
Clearing the house
Clear strategies for getting out of consumer debt and optimising your credit.
- 3.1Read →
Good debt vs. Bad debt
The difference between leveraging to buy an asset (a reasonable mortgage) vs. borrowing for depreciating goods.
- 3.2Read →
How to destroy your debts: Snowball vs. Avalanche
The two most effective methods for paying off debt and which to choose based on your psychology and situation.
- 3.3Read →
Credit cards: use them for you, not against you
Golden rules of credit. Never pay revolving interest and how to take advantage of benefits by paying in full each month.
Smart Saving and Inflation
Protecting your capital
Prevent idle money from losing value before making the leap into investing.
- 4.1Read →
'Pay yourself first'
The paradigm shift: don't save what is left after spending — spend what is left after saving.
- 4.2Read →
The silent enemy: inflation
How money loses purchasing power sitting in a zero-interest current account. An invisible tax that few people calculate.
- 4.3Read →
High-yield accounts and term deposits
The first step to making your emergency fund or short-term savings work harder without taking market risk.
Introduction to Investing
Putting your money to work
Lose the fear of financial markets with clear concepts and without promises of returns.
- 5.1Read →
Compound interest: the eighth wonder of the world
Numerical examples of how time and returns multiply capital. Why starting today beats starting tomorrow.
- 5.2Read →
Know your risk profile and time horizon
Why your age and tolerance for volatility dictate what you should invest in. Money you need in 3 years should not be in the stock market.
- 5.3Read →
Fixed income vs. variable income
Basic differences between lending money (bonds) and buying pieces of companies (shares). Risk, return and time frames.
- 5.4Read →
The magic of index funds and ETFs
Why beating the market is almost impossible for an individual investor and how passive investing is the winning alternative.
Advanced Strategies and Taxation
Levelling up
Optimise your portfolio for those who already have the foundations clear and want to go further.
- 6.1Read →
Diversification: don't put all your eggs in one basket
How to build a balanced portfolio across sectors, geographies and asset types.
- 6.2Read →
Dividend investing: creating a passive income
The DGI (Dividend Growth Investing) strategy. Pros and cons of receiving periodic income from your portfolio.
- 6.3Read →
Real estate for everyone (REITs)
How to invest in property in a liquid way without needing to buy an entire flat to rent out.
- 6.4Read →
Taxation: it's not what you earn, it's what you keep
Basic tax optimisation: differences between dividends, fund transfers without tax events and loss harvesting.
Long-term Planning and Life Design
The final goal
Align your finances with your real life goals to design a life with greater freedom.
- 7.1Read →
How much do you need to retire? (The 4% Rule)
Explanation of the FIRE movement (Financial Independence, Retire Early) and how to calculate your freedom number.
- 7.2Read →
Preparing your children's future
Strategies to save for their university or first home, and how to educate them financially from an early age.
- 7.3Read →
Pension plans vs. your own investment portfolio
An objective analysis of traditional retirement vehicles vs. managing it yourself.
- 7.4Read →
The real goal: buying time
A final reflection. A healthy financial life is not about accumulating millions — it is about having the freedom to choose what you do with your time.