Simple investing. Richer life. Semi-retired The path to FIRE through simple value investing and passive income. Casual commentary on markets & personal finance.
Australia
Joined November 2025
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The rat race is the only game where even the winner ends up exhausted and unfulfilled.
It’s about deciding you no longer need the cheese they keep dangling.
The only way to win is to step off the track and stop the pursuit of a finish line someone else drew.
Things that feel productive but rarely help
• Redesigning your tracking system every few months
• Switching directions after one mediocre year
• Adjusting long term goals based on recent strong performance
• Spending double the time reading commentary compared to taking action
• Tracking daily short term wins
Caveat Emptor applies to anything you read online, IMO.
Even investment advice from wealthy people needs scrutiny because you never really know how they acquired it.
One thing is certain: I’ll never take advice from FinX on how to become wealthy. The person giving it likely isn’t wealthy anyway.
I’d rather take advice from rich people I know in real life.
They all have a few things in common:
Increasing their income over time while investing in proven holdings.
Continuous learning over time.
No shade intended, but I can’t take advice from a 22-year-old and similar ages on how to becoming rich and wealthy.
A rich mindset is to use money to make more money. A poor mindset is to use money to look like you have money.
What enough looks like in practice:
• Normal volatility doesn't change your daily routine
• You can ignore financial headlines for months without missing anything
• Added complexity feels unappealing compared to free time
• Progress feels steady and boring
• Time flexibility matters more than hitting an arbitrary milestone
5 mistakes that destroy compounding
• High fees on active funds
• Selling after a bad year
• Chasing last year’s winners
• Checking the portfolio every day
• Raising your lifestyle every time income rises
How many of these have you done?
What’s the single biggest investing mistake you made in your 20s that actually taught you your most valuable financial lesson?
If you could send a 10 second voice note to your 22 year old self about money and investing, what’s the single most important piece of advice you’d leave?
Your returns ultimately depend on your ability to sit still and let ten years pass without tinkering.
The only 5 things that actually matter once you stop checking prices:
• Your savings rate
• Your fees
• Your time horizon
• Your ability to sit still
• How little you need to live
Everything else is entertainment.
The anti-hype filter:
• Ignore tips from people who still need a paycheck
• Remember a bull market makes everyone look smart
• Skip anything you can’t explain in one sentence
• Stay humble enough to know you can’t beat the system
• Focus on the goal, not the daily score
Which filter do you use most?
You can't outmatch someone who plays the long game with firm discipline. If you can just be average for a long time, compounding does its thing and you’ll end up ahead of most investors.
Market drops 20% in a month. What is the very first action you take?
Or do you deliberately do nothing at all?
Statistically speaking, you’ve survived 100% of your worst days so far.
So has a long term portfolio.
Stay the course.
Forget net worth for a second. What’s the single best non-financial metric you track to measure whether your life is actually improving?
The people who crossed from broke to comfortable mostly just stopped leaking money and started owning things that grew.
5 rules that keep me invested when everyone else panics:
• Own the whole market so one name can’t ruin you
• Automate buys so emotion never intervenes
• Ignore the daily price; it’s noise, not information
• Reinvest dividends and forget they exist
• If it feels exciting, size it smaller or skip it
Which one do you struggle with most?