Markets & investing
averyioFinance.
Buying dips.
Plain-English writing about money and markets. How we think about investing for the long run — education, never advice.
The blog
Money, explained.
Short reads for people starting out.
The psychology of wealth
Money scripts, lifestyle creep, fear and greed — the behaviour that decides more outcomes than any investment does.
The maths that does the work
Compounding, the Rule of 72, inflation and the cost of waiting — the arithmetic behind every piece of long-term advice.
Clearing debt, and the order to do it in
Good debt, bad debt, and the two repayment orders — what each one costs and which one people actually finish.
The “lazy” investing revolution
Active versus passive, index funds, ETFs and the expense ratio — why the dull option keeps beating the clever one.
Nothing in these guides is financial advice. averyio is not a financial adviser and none of this is a recommendation to buy or sell any investment. Markets carry risk and you can lose money. Past performance tells you nothing reliable about future returns. Only ever risk what you can afford to lose, and if you want advice, speak to someone qualified and regulated to give it.