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Big life decisions, worked through with numbers: what drives the answer, a worked example, and the calculator to run it with your own figures.
All figures are in today's money: every rate on this page is real, i.e. above inflation. Why?
· 6 min read
Rent or buy a home? The five numbers that decide it
Should you rent or buy? It comes down to five numbers: the price-to-rent ratio, how long you stay, buying costs, upkeep and what your deposit could earn.
Read the article →· 6 min read
The true cost of owning a car, and what going car-free is worth
Depreciation, insurance, fuel, upkeep and the return your money could earn elsewhere: what a car really costs per month, and what going car-free is worth.
Read the article →· 5 min read
Why your average return is not what you earn: volatility drag explained
An investment that gains 50% and then loses 50% averages 0% but leaves you 25% down. Why the compounded return sits below the average, and by how much.
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