On money, on time and on taking your fix. Without rush, without useless charts.
The 'simple' apps that round away and hide small expenses give you a fake calm. You feel fine while reality is different. Here's the only way not to be lied to.
You've decided how many months of coverage to hold. The practical question remains: where? Liquid doesn't mean money that sleeps. A calm map, by level of accessibility.
Three beach reads to shift your view of money without stress. Not manuals: an Indian story, a cabin by the lake, and an American who explains why behavior matters more than accounts.
Economic independence isn't measured in money set aside, but in time handed back to you. What you really buy — and why accumulating for its own sake doesn't buy it.
An app is defined also by what it refuses to do. The three things Cashfulness will never do — and why each one is an ethical choice, not a technical limit.
Urgency is almost always a weapon of whoever's selling, not a fact about the thing being sold. Why unmissable deals can be missed, and how to decide calmly instead of in a hurry.
What it really means that "we don't see your documents." No jargon: a safe deposit box only you hold the key to, and why we chose it that way.
Cashfulness is the skipper; you're the one climbing aboard after already being shipwrecked on Excel, Kakebo, shallow apps. You don't have to become a navigator: you can finally sleep.
Your fix isn't a single number: it's four. Net worth, the mix between what produces and what costs, months of coverage, the gap between perceived and real. Read together, they tell you where you are.
Everyone asks for financial education in schools. Meanwhile your children learn by watching you. Three things that actually work at home — without giving a lesson.
Double-entry isn't just for recording — it's for verifying. Once a month you compare Cashfulness against your real account statements. If the numbers match, you have a true net worth.
The most popular apps have turned finance into a game of points, prizes and streaks you mustn't break. Cashfulness chose the opposite. Here's why, and what we put in its place.
Rich and free are two different things. Economic independence is the autonomy to choose — to say no, to wait, to take your time — and it takes far less than you think to have it.
Almost everyone, asked to estimate their net worth from memory, gets it wrong — and almost always too high. The gap between that imagined number and the real one is the most underrated thing in personal finance.
The third fix metric: how many months of life you can pay for if your income stops tomorrow. It isn't wealth — it's peace of mind, and no other number replaces it.
No product is born from nothing. Five books about money — one of them is mine, I'll say so up front — that give Cashfulness its cultural frame. A reasoned bibliography, not a ranking.
In personal finance, knowing where you are today matters more than knowing what you spent yesterday. A sailor's fix applied to your net worth — the coordinate that orients every decision.
I read Rich Dad Poor Dad by Robert Kiyosaki in the early 2000s, when it was already a famous book but not yet the global phenomenon it later became.
Most of the free apps on your phone aren't free.
In 1494, in Venice, a Franciscan friar named Luca Pacioli published a book whose title was — and it's worth giving the whole thing — Summa de Arithmetica, Geometria, Proportioni et P…
A conversation I've heard dozens of times, always the same, in different contexts: "I bought a house, it's an investment."
An apparently absurd question: can calm be measured?
The first epiphany came in 2010.
Discover the best strategies to save and invest your money. A practical guide to building wealth and achieving financial independence.
Discover how to create and maintain an effective family budget. Practical strategies to control income and expenses, save money, and reach your financial goals.
Learn how double-entry bookkeeping can transform your personal finance management. Discover professional accounting principles applied to your household finances.
