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I have been openly sharing my family finances, and I now have 18 years of family budget data. It is hard to believe that I once thought the most financially difficult time would be when the kids were at nursery (day care). Over the longer term, education drives spending growth: it rose from 5% of our spending in 2011-2012 to 45% in 2025-2026.

Key takeaways:
-Tot...

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↑ Emerging Markets Stock Index Fund is up by $4,203 or +1.8%
↑ Growth fund is up by $676 or +0.6%
↑ Additional investment savings $2,500
↑ Partial severance package investment $69,000
Total gains: $ 76,379

↓ Eurozone Stock Index Fund is down by $4,973   or -1.9 %
↓ Standard and Poor’s 500 Index Fund is down by $2,226 or -0.4%
↓ Global...


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 With financial independence now roughly 15 years away, I have started shifting my portfolio towards a 60/40 allocation: 60% in equity index funds and 40% in bond index funds.

Cash vs high-yield bond funds. There is currently an interesting alternative to bond funds in the UK: fixed-term savings accounts with guaranteed i...


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