Free articles to understand, invest, and reach your financial independence.
42 articles
The 31.4% flat tax, amendments, manifestos, the Zucman tax, a tax on financial wealth: what applies today, what political forces have actually put forward, and what each scenario would do to the FIRE target and date of a typical saver, in a CTO, a PEA and an assurance-vie.
Targets by category, a month in progress that is not a full month, irregular bills kept apart: how to work out what you can still spend each day, with a whole month in figures, a table and a chart.
A year without unnecessary purchases, or a habit that sticks? The arithmetic says four months against seven years. Savings rate against years to financial independence, the method in one equation, French figures, and where the trend runs out.
"1% a month", a referral link, a screenshot of gains: what France's 2023 influencer law requires, what survivorship bias hides, and how to test a promise against your own numbers before a single euro goes in.
A public-sector strike on 29 September, schools blockaded, fishermen outside fuel depots, and a budget presented on 1 October with €54 billion of savings. What the protests ask for, what the budget changes for households, and where the Zucman tax stands.
Goldman Sachs and Deutsche Bank offer clients baskets of French bonds to take a position on the 2027 presidential election. On 1 October the French state borrowed at its highest rate since 2002. How these bets work, and what they change, or not, for a saver.
Trend-following funds gained 27% in 2022 while world equities lost 18%, then made almost nothing for three years. Among individuals, 70% to 90% of trading accounts lose money. What a rule changes, what it does not, and what an active strategy costs in France.
Pension spending is not running away, says France's pension council. What is falling is revenue, and the number of workers per retiree. What Sweden, the Netherlands and Switzerland do, what switching systems costs, and the part of your retirement that depends on you alone.