Lessons in Habitual Saving

Some Thoughts on Savings Rates

Most writers will know that when an urge to write about something organically materialises in your head, you should pounce on that green shoot of an idea and run with it. I stumbled across the below tweet recently and it perfectly encapsulates that notion.

“So much of writing is just putting yourself in a position to capture the fleeting thoughts before they dissipate back into the ether from where they came” - Joe Norman

As I began to put my thoughts into words, reflecting on this year in the stock market (in a different post), my mind drifted towards the topic of personal finance. Readers know this is not something I frequently discuss in this newsletter, but I firmly believe that the greatest bedrock to successful investing is a clean bill of health when it comes to one’s own financial circumstances.

After all, if you are anxious about later requiring the funds you allocate (in the near term) then you won’t have the correct frame of mind to allocate in the first place. It’s somethin…