What’s better than FIRE-ing once? FIRE-ing twice, baby! 1
This time last year I was effectively working full-time again, after opt-in house renovation costs evaporated The Accumulators’ coffers like a reservoir in a heatwave.
The best remedy I could think of was to put my FIRE dream on hold, replenish our reserves, and then resign my post once again.
And happily, that’s just what happened.
I re-entered the FIRE fold in February. My happiness levels ticked up as follows:
Okay, that’s a slight exaggeration.
But I am happier. Mrs Accumulator, too, as I understand it. (Hopefully you’ll get an independent update directly from The Organ-Grinder soon.)
Work-strife balance
My FIRE hiatus was purely about the money. It wasn’t about buyer’s remorse or trying to fill a void.
There was no post-career void to fill. I don’t miss my old life. I don’t need it, I don’t want it.
That isn’t to say ‘work’ doesn’t have a role to play in my version of a fulfilling life. I’m completely happy to accept Visa, Mastercard, or cash for doing a few things I’m not terrible at.
Sometimes I even enjoy these tasks, provided they don’t:
- Consume my every waking hour
- Involve a deluge of ‘comms’
- Require me to invent a nonsense reason about why I want this role. (It’s for the money, obviously)
- Attend ‘ra-ra’ team days that constantly invoke a set of ‘values’ that should, let’s face it, be a given
On the other hand, challenging work – that’s easy on the BS, and fits into a sane fraction of the week – is absolutely fine by me.
There’s not much to beat the feeling of goofing-off with Mrs Accumulator after a day of slaving over a hot laptop to produce an Earth-shattering Monevator post!
I’ve got to have light and shade in my life. I can’t operate without a base level of eustress.
Think of me as a dog who loves his walkies or chasing a ball in the park. It’s that basic.
The reality gap
A lot of FIRE blogs are (or were) filled with fabulous post-work feats.
You know the kind of thing:
- Here we are on our world tour, drinking mezcal margaritas served by a shaman
- Here we are again! Now we’re hand-rearing an abandoned baby dolphin that we rescued from a secret US military program
It makes sense. We all need inspiration – including the readers of FIRE blogs. Sometimes only the sight of an enormous, juicy, prize-winning carrot can spur you on when you’re doing the hard yards.
A middle-aged couple eating jammy scones in the garden on a Wednesday afternoon probably won’t cut it. It can’t be many people’s idea of living the dream.
But it is mine.
Many happy non-financial returns
The problem when you arrive at the destination is your new life can’t be all shamans, dolphins, and carrots.
For the joy to stick, life cannot be about making every day extraordinary.
It’s got to be about finding the extraordinary in the everyday.
So when I lean back and think about the past year’s ordinary days that were just lovely, I remember…
…the day we had a power cut. I had no excuse but to take off into the countryside on my bike. Eventually I found myself on a bench, with a beautiful valley for company, eating a pasty. What a day.
…being able to say “yes” when my brother suggested a road trip to see my Dad in Scotland. It was the longest time we’ve spent together since we were kids. It was a great trip, notable for Pro Max tomfoolery, catching up with the oldsters, climbing hills, and ribbing each other without mercy.
…meeting old friends for a Full English – but only after I’d earned it. That meant a wonderful morning pedalling the arteries of Britain’s industrial past. Threading together reclaimed railway lines and canals. Up and over an imperious aqueduct, mighty like a power-pose in stone. Passing by paddleboarding youngsters following their leader. Sooty tunnels. All a gorgeous backdrop for a human pinball game of families, couples, dog-walkers, and joggers.
…being able to say “yes” whenever Mrs Accumulator says, “Let’s go for a walk.” (She always warns me she can’t think what we’re going to talk about. And then we yak our heads off the whole way around.)
…a brilliant autumn day yomping with The Investor. More top-tier yakkery about anything and everything. All the better for being grounded by the kind of mickey-taking and BS-calling you only get from someone who knows you very well.
Perhaps the link between my memories is connection. Whether with myself, the world, people I love, or total randoms that I’ll never see again but who still made the effort to make a fleeting moment go well.
The other link is time.
It’s not that these things couldn’t happen when I was working or, more accurately, ‘careering’.
But they did happen much less frequently, and with persistent interruptions (“Sorry, I just gotta take this call”) or under an anvil cloud of looming stress.
Spend now, maybe pay later
We lost another close family member this past year. They were 85 and decided to discontinue the drugs that were holding down their cancer.
For Mrs Accumulator and I that’s an entire branch of the family swept away in two years.
One moment they were roving around Europe, loving their retirement, loving each other… Next, they’re gone.
I can’t help but pay attention to what that’s telling me.
I’m a planner at heart. It makes sense to me to think about what happens if we make it to our nineties and beyond.
However, I’m actively muzzling that impulse now in favour of spending more to have a better time while we can.
I’m not talking about asset-allocating 30% of our portfolio to a supercar.
But l think it’s okay to loosen up on stuff that makes a real difference to our quality of life here and now.
Granted, it puts upward pressure on our long-term failure rate. I’ll manage that as we go.
But we’re eating out more than we have for years. Binning off the socks that are more hole than sock. Buying the occasional piece of furniture that makes us smile every time we see it.
This is harder for Mrs Accumulator. She’s a born worrier and austerity merchant.
I don’t have those genes. I had to learn how to become a hardcore saver.
The purpose of that phase was to become financially independent. Now we’re here, what’s the point of not enjoying it?
Purposefully passive
I’m paying relatively little attention to our portfolio.
Drafting in some volatility dampeners like gold and broad commodities has improved my confidence in our strategic balance. (I love the way those assets knocked the bottoms off some of history’s greatest drawdowns.)
Inflation is covered now I’ve got to grips with index-linked gilts.
If anything goes hideously wrong I’m sure the news will find me pretty quick.
My media feed is full of threats, of course. AI, populism, deglobalisation, the Climate Crisis, Putin, Britain sinking beneath a tide of debt, despair, and decline… You name it.
But it’s all outside my circle of control.
I care about it. I pay attention. I could talk to you for hours about it – but I’m not going to let it menace my every day.
The next 12 months
I’m probably going to need another long-term project or two to keep me feeling like I’m part of the real world.
At the moment, I’m regaining the fitness I lost when Covid and then FIRE stopped me cycling to work five days a week. I’ve struggled to find a non-negotiable exercise slot ever since.
That’s the problem with being your own boss. I’m too soft on my employees!
Beyond that, I would like to do something with a community focus. It needs to be IRL. Ideally it will require me to collaborate with lots of new people and not have much to do with a laptop.
I’ll report back on progress – if any – next year.
Take it steady,
The Accumulator
P.S. Our FIRE budget for 2024-25 was £28,400 for two. Actual spend minus one-off renovation costs: £28,750. Bad TA!
- FIRE is shorthand for Financial Independence Retire Early. In other words quitting work and living off your investments – or at least having the option to.[↩]
What caught my eye this week.
Ever wonder what happened to that great little money or travel or cookery blog you read for years?
Yeah, it closed down – or at least its creators stopped updating it.
Why would they? Nobody visits anymore.
But maybe you didn’t notice because Google no longer takes you there, anyway.
Google search results are now dominated by big corporates who create content that’s made more to appeal to Google’s search engine than readers, and who can afford to pay SEO experts to keep up with Google’s endless rule changes.
To some extent Google’s apparent capriciousness was well-intentioned, as it’s fought to outrun spam sites and AI slop, and other gaming of the system.
But the end result is that the death of the independent web continues apace, with the damage done by waves of Google algorithm changes now redoubled with a kick in the balls from AI chatbots and AI search.
You don’t have to take my word for it:
- ‘AI is killing the web‘ warned The Economist earlier this month.
- Venture capitalist Tom Tonguz shared data showing how OpenAI already gets about a quarter of the queries Google gets every day.
- In response, Google is including more AI summaries in search results. And people tend not to follow these links to see where the data comes from.
It’s all an existential threat for anyone who creates the content that AI outfits train their models on, which they then regurgitate to their users freely instead of directing back to the original source.
We’re all in it together
Fortunately I ignored Google – and some well-meaning people who worked there – when they assured me that small publishers had nothing to worry about.
I realised the future of Monevator must be as an email newsletter – where we can sidestep search and the web altogether – and with our best posts reserved for those who pay to support our ongoing efforts.
After 15 years of sharing our knowledge for free it was a hard decision to make.
But honestly, introducing paywalled Monevator content two years ago has kept the lights on at Monevator Towers.
Ever more of you have become Monevator members. We’re grateful to every one.
Our member-only content archives are getting pretty well-stocked, too:
- Our Mavens articles (for all our members)
- Our Moguls articles (for active investors – or simply our biggest supporters!)
Only a small percentage of members ever cancel (‘churn’, in the industry lingo) which is also heartening.
So if you’re not a member, please do sign up. The price is still the same as two years ago. Annual Mavens membership is a steal!
A greater share of our content will probably have to go behind the paywall in the years ahead – perhaps including Weekend Reading. 1
I don’t like it either. But I don’t run a tech giant and I didn’t make up the rules.
How to get Monevator membership for free
On the grounds that some of you must like what we do, I’m introducing a referral program.
This way you can tell your nearest and dearest, and bag yourself an ongoing discount as a small thank you from us for your troubles.
To benefit, you must be on an annual membership plan. Not a monthly plan.
Most of you are already annual members. But if you’re not then please switch before referring anyone, as it won’t count otherwise. (Annual is cheaper, too!)
- See the membership FAQ for how to change member plans
Already an annual member? Great, then by referring friends and family who would enjoy Monevator to sign-up to our annual memberships via your personal link, you can get a recurring discount on your own membership as follows:
Yep – find just eight lucky people who become Monevator members on annual plans and you’ll get your own membership plan for free, forever!
- You will find your unique referral code to share via your membership account settings. See the membership FAQ for more details
I stress again, both you and your referees must be annual members for the referral to count.
The software handles referrals automatically and I can’t change things later, so please do take note of this.
Monevator versus Skynet
Obviously I hope these referrals will get us a few more members. But I also see the discounts as a tiny way to thank our most loyal readers.
I know it will take a long time for most people to get to eight referrals, if ever. (Though if you run a website – or have a lot of money-savvy workmates – who knows?)
But I love the idea of our top supporters getting even just a few quid off.
So again, please see the membership FAQ to learn where to find your unique referral code, and give it a go.
And thanks again for supporting us fleshy and bloody humans over the robots!
P.S. I forgot to include the link to my new property newsletter Propegator last week. Not very good at this promo malarkey, am I? Anyway it’s just a fun hobby project, but if you live in London you might like it so please do take a look.
- It takes more than a full working day to compile it, and for my trouble I’m advised Monevator is probably penalised for hosting what looks like a link farm. So it actually hurts our traffic![↩]
I almost can’t believe it, sitting here in my abundantly-provisioned London home in 2025, but my dad once told me that when he was a kid they’d sometimes run out of food.
There would be bread maybe, but little else. At least not for the children.
“Sometimes I’d have salt and pepper sandwiches,” my dad confided.
Was his story credible? Honestly I’ve no idea.
My dad is long gone and my grandmother rustled up those spartan provisions either during or right after World War 2. Rationing was still in effect, and my dad’s claim sounds both plausible and like the punchline to an old joke.
What I don’t doubt though was that life could be tough for them. The family lived in the poorer part of town and both parents did various physical jobs.
My dad and his sister grew up fine, but the risk of being spoiled never troubled them.
From salt and pepper to the spice of life
My dad was frugal all his life. My grandmother, too. When I think back to the money she’d share with us grandchildren while she wore the same clothes for a decade, my heart aches. Though I was oblivious to it at the time, of course.
Back in the late 1940s, my dad and my grandmother were going without. There were essentials that they should have had – but sometimes they didn’t have them.
By the 1990s though they were at most doing without.
Not that either seemed to mind.
My dad had a good job, and he’d got us into a semi-detached house in a fancier postcode.
My grandmother marvelled at it when she was brought over for dinner on Friday evenings – while cooing over the professional-looking Wendy Houses, trellises, and fences my dad crafted from discarded shipping pallets he’d scavenged from industrial estates.
For her part, I suspect saving versus spending brought my grandmother a lot of comfort, and perhaps a sense of agency. Not that she would have put it that way.
Going without versus doing without in 2025
People who’ve had no money don’t scoff at those who hold too much as if it’s magical.
Compared to having no money, it is.
But almost nobody who reads this blog will fit that description. I’d wager we’ll know very few people like it in our wider circles, too.
That doesn’t mean there aren’t some going without in Britain today. Of course there are.
But that hasn’t got much to do with the lives of you and me. Even when we think we’re making big sacrifices, we’re pretty much always doing without, not going without.
I’ll define going without as trying to live without the essentials most people take for granted.
In contrast, doing without means you’re missing something – again usually something most others have and value, sure – but not something essential.
Going without: the essentials of modern life
- Around 2,000 calories a day
- Fruit, vegetables, and a healthy protein
- Somewhere safe, warm, and dry to sleep in and store your things
- Sufficient clothes to look tidy in social situations
- A straightforward way to get to and from work
- Access to electricity, cooking, and washing facilities
- A mobile number and an Internet connection
- Either a smartphone or a computer
Doing without: stuff you can sacrifice but you don’t want to
- Your own transport
- Furniture that’s not secondhand or from IKEA
- Netflix, Disney, Spotify, games consoles, and other entertainment platforms
- Holidays, whether at home or abroad
- New clothes, unless bought from TK Maxx or similar
- Buying meals, whether eating out or takeaways
- A home occupied only by you and your immediate family
- Anything made by Apple
- Bitcoin (I’m joking! Mostly)
These lists are clearly not exhaustive. They’re just an attempt to divvy up the non-negotiables of modern life.
That won’t stop the disagreements, of course. Perhaps a few of you old-timers will still argue you don’t need a mobile phone or the Internet? (Really?)
On the other side, maybe you live far from public transport and you say your car is a must. You either can’t or won’t move somewhere more convenient.
But mostly these are edge cases. There’s a pretty clear distinction between needs and wants these days – yet conversations about living standards often talk as if there isn’t.
Your margin is their opportunity
A few days ago I fell down a YouTube rabbit hole and binged a certain kind of FIRE video 1, though the speakers didn’t always use that lingo.
The algorithm sent me instance after instance of videos that followed the same template.
Essentially, a 50-something white- or grey-haired man with a working class accent, apparently single, said he’d had enough of the grind and so he was going to quit and move onto a boat / live in Spain / sell his house and rent a studio / travel the world / sleep in a van.
Their message wasn’t that they’d scrimped and saved and run the numbers and worked out they could retire.
It was that they knew they weren’t rich, as they put it – and that they knew they’d never be rich.
But they’d decided to anyway call time on trying to change things, and instead accepted their fate.
The videos often referred to comments on earlier videos that scolded them for not having sufficient money to retire. Mostly, such feedback seemed to ignore the retiree’s aspirations, and reflected instead the commenter’s own vision of a happy life.
Goodbye to all that
I’d link to a video but I don’t want to call out anyone in particular – I’m not criticising their decisions, but it could be perceived that way coming from a blog like Monevator.
The truth is I’ve no idea if their plans are right or wrong. But I understand their motivations.
I do think many of their critics in the comments were wrong though. They’d list things these people were giving up, which they deemed unacceptable. But it often wasn’t even clear the would-be quitter had those things to give up anyway. And they all admitted life would be spartan.
Would these underfunded escapees be going without? I don’t think so, based on the information they presented. At least not anytime soon.
They’d be doing without, certainly. And they were probably condemning themselves to a pretty tight old age.
But they seemed resigned to that fate anyway. Life was getting too expensive, work wasn’t worth it anymore, and they wanted to live differently while they could.
Most Monevator readers can empathise with that – even if we’d far rather get out with an arsenal of financial assets at our back.
You get what you pay for
I recently heard a property developer on a podcast recount some tough times on his journey to a ten-figure real estate portfolio.
He said that he and his wife would share a meal when they went to a restaurant. As in one would get the plate first and eat most of it, and then the other would mop up what was left.
It seems outlandish. Why not cook for two at home or at least go somewhere cheaper, rather than suffer through this baroque ritual?
But then I thought perhaps they truly loved fancy restaurants? Maybe it was motivating for them to eat out – to help them focus on what they’d once enjoyed and were striving to get back? Or maybe they just really missed the experience?
They could do without a full plate each, but maybe they could not go without eating out?
Another example – a friend of mine takes her dog to be professionally groomed every fortnight. My girlfriend – who hasn’t got a dog but wants one badly – guessed the treatment cost £25. I’d flukily estimated correctly that it cost £80 but I was still astonished.
It adds up to £2,000 a year. My friend is not Lord Sugar. It must be 5% of her post-tax pay.
Of course she says this grooming is essential, whereas I think it’s a luxury. We had dogs growing up and I can’t remember them even getting a bath. Maybe a hose if they splashed in the mud.
It’s 2025 though and dogs must be fluffy and allowed onto the furniture and even to sleep on the bed at night. My friend kisses hers on the snout. I hope it has a good dentist, too.
Some young people will tell you that their expensive gym membership is essential. I say get a £25 chin-up bar that fits over a doorframe. They say working out in public is for them what clubbing and partying was for my generation.
Talking about my generation, many consider a few bottles of good red wine a week a must. But the young adults I know barely drink, and almost none wine.
It’s all personal, then. Not a newsflash I know.
Your future self wants a word
My co-blogger The Accumulator covered this ground years ago, writing:
Regular reflection upon and discussion of our true values are necessary counter-measures to materialistic pressures. This strategy can make a big difference to your saving while maintaining your quality of life.
But first you have to work out the difference between what makes you happy, and what you’re told makes you happy.
TA wrote that in the midst of his journey to becoming financially independent. His thinking was all about doing without today in order to have more tomorrow.
That’s the usual way to think about doing without. But those guys on YouTube who are forsaking many of life’s luxuries remind us that there’s another way.
Which is to give up more tomorrow in order to live the way you want today.
In recent years the Retirement Living Standards Survey has emerged as a touchstone for understanding the level of income you’ll need to achieve different standards of living.
This year’s updated figures look like this:
Source: Pensions UK’s R.L.S. website
The figures look reasonable to me, yet they always cause controversy. Readers invariably debate this or that aspect of the spending as either too lavish or too stingy.
For instance here’s a single-person’s food budget – from Minimum to Moderate to Comfortable:
In a fanciful violation of the laws of physics, I can almost hear furious keyboards being bashed even before the results appear in the comments below.
What’s clear though is nobody is eating salt and pepper sarnies on these budgets.
With or without you
Rising markets have fattened our portfolios for a decade.
But inflation has put up the price of our appetites, too.
Work doesn’t pay like it did – frozen tax thresholds and a stagnant economy have seen to that – which makes pulling the ripcord ever more attractive even for those who maybe shouldn’t.
There’s never been more publicity about FIRE. Yet relatively few people have substantial savings or assets to put towards achieving it.
Given all this, it’s not surprising that if more people catch the getting-out bug, then it can only entail more frugality for them – either now or in the future, and probably both.
But I’m not convinced this needs to be a sob story.
My father and my grandmother went from what would now be seen as near-poverty conditions post-War to modest middle-class comfort by the early 1990s.
Yet the comfort of those decades would seem frugal by today’s standards.
Are people really being reckless if they choose to accept that previous level of lifestyle in exchange for more time and freedom in 2025?
I don’t think so.
By doing without – without having to go without – maybe more of us can find a compromise that works for us.
- Financial Independence Retire Early.[↩]
What caught my eye this week.
With the price of Bitcoin surpassing $120,000 and US regulators doing some very crypto-friendly regulating, the digital tokens look on the cusp of becoming fully institutional.
For good or ill, I’ll add – and not just because most of you remain sceptical.
My own feelings over the past decade have gone from somewhat cautious to cautiously accepting. Of Bitcoin, I should stress. Not of the thousands of other ephemeral digital tokens that bloom and die like so many bluebottles above a rubbish dump. 1
Yet even as only a soft believer, it’s hard not to be concerned that once again the UK has failed to keep up with the US. This despite us having had a far more advanced fintech ecosystem a decade ago.
In just this week’s news from across The Pond:
- BlackRock’s Bitcoin ETF became the fastest-ever to hit $80bn in assets
- US crypto firms are looking to secure banking licenses, the Financial Times reports
- Polymarket is the latest in a string of crypto-adjacent outfits who’ve seen legal probes dropped by the Trump administration
- Crypto giant Grayscale has filed to go public…
- …and no wonder, when another, Circle Internet, is now valued at more than $50bn – having multiplied six-fold since its IPO less than two months ago
It looks pretty frothy for sure, but who knows? People said the same thing when Bitcoin first breached $10,000 in 2017 and again when screenshots of apes sold for $3m in 2021.
And yet here we in 2025, with the bubble/revolution going stronger than ever.
Slowly does it on British Bitcoin ETFs
Again for good or ill, here in the UK things are spectacularly less vibrant.
The FCA announced in early June that it proposed to lift the ban on crypto exchange-traded products for retail investors. That would pave the way for holding Bitcoin assets in your ISA or SIPP – instead of having to invest in sub-optimal proxies such as the US Bitcoin hoarding company Strategy, or one of the herd of emerging and even more over-valued UK copycats.
However I’ve yet to see a date for when the FCA will do this. Some have speculated 2026.
Why such a long delay? Bitcoin ETFs have been available in the US for 18 months and they already hold over $100bn in assets. What is the FCA going to learn that the US doesn’t know between now and 2026?
I appreciate crypto might be unpalatable to regulators – and many Monevator readers – but if you’re going to do it, get on with it.
This isn’t the sleepy 1970s anymore.
They boom, we bust
Elsewhere, the once-promising UK crypto platform Ziglu has gone into administration.
Coin Telegraph reports:
Thousands of savers face the grim prospect of losing their investments after administrators uncovered a two million pounds ($2.7 million) shortfall at Ziglu, a British cryptocurrency fintech that collapsed earlier this year.
Ziglu customers aren’t the only ones with sad faces. I was one of thousands of small investors who together invested millions when Ziglu crowdfunded on Seedrs a few years ago.
Like most such failures, it looks a terrible investment in hindsight. But at the time there was lots to be hopeful about.
Ziglu was the brainchild of Mark Hipperson, a co-founder of already-successful startup Starling Bank. Its customer count was quadrupling year-over-year by 2021. Even after crypto retraced thereafter, an acquisition of Ziglu was agreed with the US fintech giant Robin Hood.
Alas the takeover collapsed following the 2022 downturn. And so here we are.
Talking of Robin Hood, that 12-year old company is now valued at $93bn!
Sadly the UK equivalent – Freetrade – was sold to IG Group for £160m in January.
A reach for the stars
Perhaps it’s not surprising that the UK fintech winners – including the self same Starling, incidentally – are mulling US stock market listings. It would be yet another blow for UK markets.
Going by the comments on TA’s Revolut review this week, some readers seem to think the likes of Revolut and Monzo are still fly-by-nights in the Ziglu mould.
This is far from the case.
With 12 million customers, Monzo recently raised funds at a valuation of around $5bn and it’s reportedly on-track for a £6bn IPO. (Disclosure: I’m a Monzo shareholder).
And with more than 50m customers, Revolut recently raised money from Schroders at a $48bn valuation.
Such numbers dwarf the equivalents at most investing-only platforms.
To me, the idea that these UK-founded growth stars aren’t automatically looking at an LSE-listing is yet another inditement of how far Britain has fallen since 2016 .
This increasingly-endemic national lack of dynamism will hurt us all.
I know I’m a stuck record on this and it’s not joyous reading. I’m generally an optimistic person and the first ten years of this blog’s life reflected that. I can only call it as I see it.
I did have high hopes this time last year, but so far there’s been little acknowledgement of why we’re in this state, and only pointless conflicts as we fiddle around the margins.
At least the FTSE 100 is hitting all-time highs. Perhaps that’ll spark something.
Personally I just see an ongoing liquidation sale. The family silver being sold to US private equity at a 30% discount.
Still, up is up. And we can all make decisions to improve our own financial situation, whatever the backdrop. Being naughtily active, I’ve been overweight the UK for a couple of years now, simply on account of the value on offer.
This isn’t contradictory. The grim environment is exactly what creates the downbeat pricing and attracts the takeout offers.
My new side, side-hustle: a London property newsletter
Finally and on a completely different note, a quick plug for a new hobby of mine that will interest most of you even less than Bitcoin.
I’ve started a new London-focussed property newsletter – Propegator – over on SubStack.
Propegator is Weekend Reading but for houses. It’s London-centred because I live here, not because I’m a member of the metropolitan elite. And while I won’t totally ignore the reality of Britain’s broken property market, I will lean into a property pornographer’s take on the loveliest listings.
Which is to say: this will not be home-from-home for the frugalistas among you.
What can I say? In the two decades of pushing my nose up against the glass before I finally bought my own flat, I became a property addict. Call it Stockholm Syndrome.
Also, in another life I’d have been an architect. (How’s that for a post-FIRE aspiration?)
I guess I outed myself with my South Kensington speculations the other week anyway.
Like and subscribe
About a quarter of Monevator readers live in and around the capital. Hence why I’m flagging this property newsletter here. I hope some of you enjoy it and subscribe.
Propegator won’t grow into a Monevator 2.0. It’s more that I read so many stories to compile these links each week that I hope I can almost bolt on another almost effortlessly.
Well, that and a newsletter helps me justify all the time I spend on The Modern House.
Have a great weekend.
- For what it’s worth, like most pundits I think Ethereum and perhaps Solana have a future, and a few stablecoins look like they are going to make it. I have zero conviction about – and presently little interest in – everything else.[↩]
