This website is a collection of financial philosophies - striving to build better financial literacy around the world.

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The magic of compound interest

How do the rich get richer and the poor get poorer? Like magic that can be used for good or evil, compound interest has the power to influence your financial future either way. Learn about it now to make sure you're on the right path.
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The magic of compound interest

Ignorance is bliss

Do you ever feel like that the more you know, the more problems on the road ahead seem to appear? Time for a rant on how it used to be better ‘in the good old days’.
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Ignorance is bliss

2 surefire ways to build wealth

All secrets of personal finance poured into one simple strategy to build wealth? Read more to find out 2 surefire ways to build wealth!
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2 surefire ways to build wealth

Are you saving enough?

What would it take for you to quit your job right now? Or in five years from now? People eager to retire as early as possible have noted saving as much as possible will hasten your moment to quit that job. With that in mind, I thought to have a look at the math behind the savings rate and why you may or may not be willing to maximize it.
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Are you saving enough?

Retirement Grid

Many people are curious on when they can retire with their current saving habits. With this worksheet, I try to provide flexibility for personal situations as well as proper visual aids.
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Retirement Grid

9 steps to financial freedom

All financial levels are equal, however more are equal than others – financial status exists on a gradient and one will progress up or down with ever coin earned or spent. There are however certain milestones that can carry you along the route to financial freedom. For this article, I wanted to share with you 9 steps to financial freedom.
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9 steps to financial freedom

Amortization Schedule

It is good to know the numbers associated with your mortgage to make an informed decision. For this reason, I build a calculator to create your own personal (adaptive) amortization schedule. Have a look below.
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Amortization Schedule

Mortgage calculator

While it might be a discussion on whether or not it is better to buy than rent, it is good to know the numbers associated with your situation to make an informed decision. With that in mind I made a mortgage calculator, or actually two – an international version for people around the world, and a version that uses all the relevant legal limits for the Netherlands, to give an indication of your options.
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Mortgage calculator

Life Calendar

Life passes us by, and before we notice we are in the middle of our career – wondering where the time went and how much time we still have left to make up for mistakes made in the past. To illustrate this, the concept of a Life Calendar was created that I wanted share to my readers, to show that we get a fresh box every week.
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Life Calendar

Money Tracker

In order for your net worth to grow – it is important to follow your spending habits month by month in order to stimulate a change in your spending habits. For this, I created a money tracker where you can track your income and expenses month by month.
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Money Tracker