December 2022 – Glad it is over
December 2022 was a bad month overall for several reasons, but it was financially okay financially with a decent savings rate.
What is the Substitute Occupational Benefit Institution?
Lost pension? Learn what the Substitute Occupational Benefit Institution is, why your money might be there, and how to move it to a better fund.
Is indirect amortization really better for you?
Pay off your mortgage? Direct vs Indirect Amortization: We compare the tax benefits and risks to help you choose the best repayment strategy.
November 2022 – A normal month?
November 2022 turned out to be more expensive than expected, with large health bills and a food budget out of control! Find out what happened!
What is a failsafe withdrawal rate?
Is any rate safe? We explore if a "failsafe" withdrawal rate exists for early retirement and how to protect your portfolio from total failure.
Should you use IB Fixed or Tiered pricing in 2026?
Save on fees. IBKR Fixed vs Tiered pricing: We calculate the break-even points to help you choose the cheapest plan for your trading style.
True Wealth 3a Review 2026: Pros & Cons
Invest your 3a. Read our review of True Wealth's 3a pillar. We analyze their zero management fees, pooling strategy, and cash drag.
October 2022 – A weird month
October 2022 was mixed month, with many days being sick, large expenses, short nights, a nice trips, few nice events, ...
What should you do with a life insurance 3a?
Life insurance 3a is a poor investment for retirement. What should you do with an existing life insurance 3a? I compare 3 strategies to deal with it.
The Trap of Life Insurance Third Pillar
Avoid this mistake. Learn why mixing life insurance with your Third Pillar is usually a bad idea and costs you thousands in fees.
Fifth year of blogging – Summary
The blog is now five years old! Here is a summary of this fifth with French translation and decreasing traffic!