Money Decisions
Video
How Many ETFs Do You Actually Need?
How many ETFs do you need? Fewer than most people hold. Diversification comes from what your funds own, not how many you own — and five can hold the same companies.
Articles
The written version of everything on the channel — with the numbers, the tables and the primary sources that do not fit into ten minutes of video.
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Money Decisions
Video
How Much of Your Money Should Be in Stocks?
How much of your money should be in stocks? Your risk capacity — time horizon, income stability and cash buffer — sets the ceiling. Nerve can only lower it.
Money Decisions
Video
Lump Sum vs Dollar-Cost Averaging: Which Actually Wins?
Lump sum vs dollar-cost averaging: Vanguard's 2023 data shows investing all at once won 68% of the time — but for most people the debate doesn't matter at all.
Money Decisions
Video
Should You Rent or Buy a Home? The Half Nobody Checks
The money question is only half of it. A bank checks four things before it checks the return — leverage, liquidity, concentration, time. Run both halves here.
Money Decisions
Video
Should You Pay Off Debt or Invest First?
Paying a debt down is a guaranteed return: its interest rate. Compare that with what investing might earn — and note the answer has just flipped in the US.
Money Decisions
Video
How Big Should Your Emergency Fund Really Be?
Forget 'three to six months of expenses.' Size your emergency fund on your fixed costs, not total spending — times how fragile your income is. Here's your number.
How Money Really Moves
Video
How to Structure Your Money: The Four-Layer Cushion
Bankers don't panic because they build a structure, not a strategy: a four-layer wealth cushion where each layer removes one specific fear. Here is the system.
How Money Really Moves
Video
Why Savings Lose Value Even at 2% Inflation
Banks create money when they lend, so the supply has to keep growing. Over a working life, 2% inflation quietly removes 55% of what your money buys. By design.
How Money Really Moves
Video
Payment for Order Flow Is Not Why Your Trade Costs More
Five brokers, 85,000 identical orders, one second apart. Execution costs varied sixfold — and payment for order flow explained almost none of it. Here is what did.
How Money Really Moves
Video
You Don't Own Your Stocks — Not on Paper, Anyway
Check Apple's shareholder register. Your name is not on it. Five institutions sit between the Buy button and legal ownership — and here is what that costs you.
How Money Really Moves
Video
How Banks Actually Make Money — Not Mostly Interest
JPMorgan earned $57bn in 2025. Nearly half of the revenue behind it had nothing to do with interest. That split explains what your bank recommends to you.
When Finance Breaks
Video
Credit Suisse AT1 Bonds: How CHF 16 Billion Went to Zero
Swiss authorities wrote CHF 16bn of AT1 bonds to zero while shareholders were paid. Here is the clause that allowed it — and how to check if your ETF holds them.
When Finance Breaks
Video
Lehman vs FTX: How Audited Balance Sheets Hid $58 Billion
One was a 158-year-old Wall Street bank. One was a crypto exchange in the Bahamas. Both had clean audit opinions on the books the day they collapsed.
When Finance Breaks
Video
LTCM: How Two Nobel Laureates Nearly Broke the System
A fund run by Nobel laureates hit 250:1 leverage and lost $4.6bn in five weeks. The risk model that missed it still runs — inside your broker's margin system.
When Finance Breaks
Video
Synthetic ETFs: The Counterparty Risk You Don't See
One banned trader built $160bn of invisible exposure using a derivative. The same instrument sits inside synthetic ETFs — including, possibly, one you own.
When Finance Breaks
Video
UK Gilt Crisis 2022: When the Safest Asset Broke
UK pension funds faced £70bn of margin calls in days — not from crypto, but from government bonds. The risk that did it is inside your bond ETF right now.
Investing in Real Life Scenarios
Video
Stop-Loss Placement: Why Round Numbers Cost You
Orders cluster at round numbers, and that clustering costs US investors close to a billion dollars a year. The problem is not the stop-loss — it is where you put it.
Investing in Real Life Scenarios
Video
When to Sell a Stock: Four Rules Institutions Use
In 2024 Berkshire sold $143bn of shares and bought $9bn. The man who symbolises buy-and-hold has exit rules for everything. Here they are.
Which Asset Class Is For You?
Video
Bitcoin Is Not Digital Gold: 2025 Gold +67%, BTC -6%
Same year, same fears: gold rose 67.4%, bitcoin fell 6.3%. It does not trade like a safe haven — it trades like a leveraged tech stock.
Which Asset Class Is For You?
Video
Is Gold an Inflation Hedge? What It Actually Tracks
In 2022 US inflation hit 9.1% and gold went nowhere. It does not track prices — it tracks real interest rates. And it once took 28 years to break even.
Which Asset Class Is For You?
Video
Rules Over Access: What the World's Biggest Fund Does Differently
Norway's fund holds no hedge funds and no private equity, costs 0.04%, and returned 15.1% in 2025. Yale returned 11.1%. The difference is governance, not access.
Which Asset Class Is For You?
Video
What Are Derivatives? The $846 Trillion Illusion
Eight times the world economy, they say. The actual market value is about $22 trillion — and after netting, far less. Here is what derivatives really are.
Investing in Real Life Scenarios
Video
Why Financial Resolutions Fail — and What to Build Instead
Institutions managing billions never make resolutions. They write one page of rules and follow it for years. Here is why systems beat willpower.
Which Asset Class Is For You?
Video
Are Bonds Safe? Only If You Respect What They Actually Are
A bond has a place in the queue, a maths problem called duration, and a risk called the credit spread. Ignore any one and the floor becomes a trapdoor.
Investing in Real Life Scenarios
Video
How Forced Selling Crashes Markets — and Why 2020 Was a Trap
In March 2020 the VIX closed at an all-time high of 82.69. Institutions sold into the crash — not from fear, but because a formula ordered them to sell.
Which Asset Class Is For You?
Video
Index Funds vs Active Funds: 98% Lost to Their Index
Over ten years, 98.44% of euro-denominated global equity funds lost to their index. That is S&P's own scorecard — so what is still worth paying for?
Which Asset Class Is For You?
Video
REITs vs Property: The Discount Is Not a Gift
Listed property trades at a 16% discount to its assets. But office is down 34% and healthcare trades at a 25% premium — the discount is a price tag on a problem.
Investing in Real Life Scenarios
Video
The Three-Check Routine Professionals Run Before Every Trade
In 2024 the S&P 500 returned 25%. The average investor captured 16.5%. The gap is not knowledge — it is the absence of a written system professionals use.
Which Asset Class Is For You?
Video
How to Pick an ETF: The Four Checks Institutions Run
The expense ratio is the promised cost, not the delivered one. Four checks a professional runs before buying a fund — and the one that costs Europeans the most.
Investing in Real Life Scenarios
Video
The Three-Bucket System: How to Structure Your Money
Institutions don't see money as one pile. They split it into three buckets — and clear high-interest debt before buying a single share. The full system.
Which Asset Class Is For You?
Video
Value Investing: Why the P/E Ratio Tells You Almost Nothing
Earnings are an accounting construct. Cash is not. Here is the number professionals use instead — and the hurdle it has to clear before a stock is worth owning.