Personal Finance

Culture of Consumerism: The Default Is Spend

Why Western economies nudge consumption, and how to build a personal counterculture

Jan 28

Why Saving Is Hard: The Psychology of Spending

How modern consumption leverages human wiring, and how to design guardrails that protect slack

Jan 21 • Bernardo

The Demographics of Slack and Saving

A life-stage map of housing burden, fixed obligations, and who actually has margin to save

Jan 14

Lifestyle Inflation Trap: The Upgrade-to-Obligation Pipeline

A behavioral map of how lifestyle upgrades become fixed costs, and the guardrails that protect slack

Jan 7 • Bernardo

Stepping Beyond the Blog: My First Live Presentation Experience

The impact and rewards of speaking about finance beyond my inner circle

Oct 25, 2024 • Bernardo

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Level-Headed Investing

Personal Finance