Fire

Articles about fire: practical personal finance literacy and financial education from nidhi.

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BuildingFor those comfortable with the basics

Putting the pieces together. Budgets, savings systems, and first investments.

What's covered: Budgeting, risk, asset classes, investment accounts, diversification, financial independence intro, multi-currency, real estate, loan terms, passive income, goals, dashboard, health metrics, taxes

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9 min readJun 12

Introduction to Financial Independence: What It Means and Why It Matters

Financial independence isn't about retiring at 35 on a beach. It's the point where work becomes a choice instead of an obligation.

building fire goals

9 min readJun 15

Passive Income Streams: Making Your Money Work Without You

Passive income is not free money. It's the return on assets you've already built, and the point at which your life stops depending on your next pay cheque.

building fire investing

PsychologyFor those ready to understand behavioural patterns

How your mind helps and hurts your money. Behavioural biases, mental models, and building better money habits.

What's covered: Loss aversion, mental accounting, present bias, overconfidence, framing and anchoring, herd behaviour, narrative economics, money scripts, anti-bias systems

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6 min readJul 8

Present Bias: Why Your Future Self Keeps Getting Robbed

We treat the version of ourselves who exists in thirty years like a stranger we owe nothing. That is why saving for later always loses to spending now, and why willpower is the wrong tool to fix it.

psychology saving fire