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Welcome—I’m Wealthy.
If you’re new here, this page is your shortcut. I write about personal finance, investing, and financial independence in short posts that teach one important thing at a time—and (ideally) connect together.
No stock picks. No “get rich quick”. No daily posting to please the algorithm. Just useful ideas, written clearly, and kept in one place.
Table of Contents
1) I’m starting from zero (recommended)
2) I want to build a solid portfolio (core investing)
3) I want the “advanced” stuff (edge cases, tools, less common topics)
4) I care more about everyday money than investing theory
5) I’m interested in financial independence / early retirement
What this blog is (and isn’t)
What it is
A practical knowledge base on saving, investing, and decision-making.
A place where posts are meant to be read in an order, not just as a feed.
What it isn’t
Personal financial advice.
Market predictions.
A funnel to sell you something (I’m not built for that life).
Choose your path
1) I’m starting from zero (recommended)
Start with this mini-sequence:
The concept of investing
The concept of investing can be summarized in "allocating a resource, so that it can have a return in the future" .
Take Control of Your Finances
Being your own financial advisor can be a daunting task. But it is also one of the most important steps you can take towards achieving your financial goals. With the current economic climate, it has become more important than ever to be in control of your own financial future. In this post, we will explore some of the reasons why being your own financia…
Be faithful to your asset allocation
We have already talked about asset allocation, today we will see how to remain faithful to it, even in the worst moments.
2) I want to build a solid portfolio (core investing)
A good “portfolio basics” route:
Asset Allocation's Vital Role
Asset allocation refers to the strategy of dividing your investments among different asset classes such as stocks, bonds, cash, and alternative investments like real estate or commodities.
Understanding Asset Allocation and the Power of Diversification
When it comes to investing, few concepts are as fundamental—and as misunderstood—as Asset Allocation. But what exactly is it? Why does every serious investor and financial advisor keep talking about diversification? And most importantly, how can understanding these principles help you grow your wealth while managing risk?
Understanding Brokerage Fees: Navigating the Costs of Investing
In the intricate world of finance and investment, every decision can either propel your financial growth or hinder it. Among the myriad factors that contribute to your investment success, one that often remains in the shadows yet wields significant power is brokerage fees. These
ETFs: Unraveling the Importance of Tracking Difference, Tracking Error, and TER
Exchange Traded Funds (ETFs) have revolutionized the investment landscape, providing investors with an efficient and accessible way to gain exposure to a diverse range of assets. These passive investment vehicles are designed to replicate the performance of an underlying benchmark index. However, achieving perfect alignment with the index is a complex t…
3) I want the “advanced” stuff (edge cases, tools, less common topics)
Start here:
Lazy Portfolios: The Risk of Currency Exchange
Lazy portfolios are a popular investment strategy, known for their simplicity, low cost, and diversification benefits. These portfolios are designed to require minimal effort from the investor, typically consisting of a few broad-based index funds that are rebalanced periodically. The concept behind lazy portfolios is to take a set-it-and-forget-it appr…
Comprehensive Guide to Navigating Withholding Taxes on Dividends for European Investors
For European investors seeking to optimize their investment returns, understanding the intricacies of withholding taxes on dividends is essential. In this comprehensive guide, we'll delve into the complexities of withholding taxes, explore strategies to minimize their impact, and focus on the benefits of Irish domiciled ETFs as a tax-efficient solution.…
My Honest Review of Portfolio Performance
When you start taking your investments seriously, one of the first questions that pops up is: “How do I track everything in one place without losing my mind—or my returns?” After testing several apps and tools over the years, I came across Portfolio Performance
4) I care more about everyday money than investing theory
Start with:
Budgeting, Saving, and Investing: The Key to Financial Freedom
“Men do not understand what a great revenue is thrift.” – Marcus Tullius Cicero
The Power of Saving: Why Saving is More Important than Investing Returns
In a world inundated with investment advice and promises of quick riches, it's easy to lose sight of a fundamental truth: saving money is, in many ways, more critical to your financial well-being than investing. While investing certainly has its place in growing your wealth, saving provides the foundation upon which your financial house is built. In thi…
Applying Pareto to Household Expenses
The quest for financial stability and prosperity often begins at home, quite literally. A typical household worldwide typically juggles three major expenses that dominate the monthly budget: housing, transportation, and food. The most successful
Track your Financial Situation
Second post, second rule: You have to track your Financial Situation.
5) I’m interested in financial independence / early retirement
Start here:
Numbers to be financially independent
Today we need some numbers to understand how to be financially independent.
Beyond the 4% Rule: Navigating Early Retirement with Financial Wisdom
Are you dreaming of early retirement, eager to escape the daily grind and live life on your terms? It's an exciting prospect, but it comes with its own set of challenges, especially when it comes to managing your finances. One concept that has gained widespread attention in the world of retirement planning is the "4% rule." In this article, we'll dive i…
The Power of Compounding and Frugality for Early Retirement
Achieving early retirement might seem like an unattainable goal for many. But with the right financial approach, investment mix, and a healthy dose of frugality, it can become a reality. In this article, we'll explore the power of compounding and frugality for early retirement. We will see practical examples of how these concepts can transform your fina…
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Disclaimer (the boring but necessary part)
I’m not a financial advisor. Nothing here is personalized investment advice. Use this blog to learn and think—then make your own decisions.