Assets vs. Liabilities: A Plain-English Guide to Your Personal Balance Sheet
Assets vs liabilities explained: where 7 tricky items go, from a mortgaged home to pay-later plans and tax bills, and a one-page balance sheet to fill in.
Passive Income & Wealth Building
What passive income really involves and how wealth is built over time.
Net worth and measuring progress
Net Worth by Age: Why Comparison Charts Mislead
Net worth by age from the Fed's 2025 survey and Britain's ONS, medians beside means, and five reasons comparison charts mislead.
What Is Net Worth? How to Calculate Yours Step by Step
How to calculate net worth in 5 steps, with a worked example, and why the US Fed and the UK's ONS disagree on whether pensions belong in it.
Dividend and interest income
Dividend Reinvestment Explained: How Payouts Compound Over Time
How dividend reinvestment grows a holding: a hypothetical example where 100 shares become about 219 in 20 years, plus the tax, records and risks to know.
How Dividend Income Works: From Payout Dates to a Regular Income Stream
How dividend income works: the 4 dates that decide who is paid, why share prices fall by about the payout, and how steady dividends stay when profits fall.
Rental property and real estate
Renting vs. Buying Your Home: The Wealth-Building Case for Each
Renting vs buying: US owners' median net worth is about 43 times renters', yet much of that gap reflects who buys. What decides which builds more wealth.
Rental Property for Beginners: What Being a Landlord Actually Involves
Rental property for beginners: who owns rentals, what running one costs, and landlords' legal duties in the US and England, checked against 2024-2026 sources.
Families, estates, and generational wealth
Generational Wealth: What It Means and How Families Actually Pass It On
Generational wealth is more than an inheritance: 6 ways families pass it on, why the richest fifth report about 50 times more, and why inheritances can fade.
Trusts in Plain English: What They Are and Who Uses Them
What is a trust? The 3 roles (settlor, trustee, beneficiary), revocable vs irrevocable, will trusts, trusts for children, and the costs people underrate.
Passive income ideas, examined
Building Passive Income With Little Money: An Honest Look at the Options
Passive income with little money: why US$1,000 earns about US$40 a year at 4%, what digital products and content really cost, and the pitches to avoid.
Protecting what you build
Income Protection and Disability Insurance: Covering Your Biggest Asset
Income protection insurance replaces part of your pay if illness stops you working. US Social Security puts a 20-year-old's disability odds at 1 in 4.
Life Insurance Explained: Term, Whole-Life, and How to Think About Need
Life insurance term vs whole life: 7 features compared, when each can suit, what happens when a term ends, and a way to think about how much cover you need.
Red flags in passive income schemes
Passive Income Scams: The Patterns Behind the Pitches
Passive income scams reuse 5 patterns, from returns that cannot fall to upsell ladders. How to spot each one, and where to report a scam by country.
Passive income basics
What Is Passive Income? An Honest Definition
What is passive income? The IRS's narrow tax meaning versus everyday use, what it costs in money, work and risk, and a 4-question test for any pitch.