Financial Freedom Blog

Take control of your money.Buy back your life.

Practical personal finance — and one founder's honest journey, built in public.

Dennis Vymer

I'm building MFFT solo and sharing the real numbers along the way.

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MFFT Learned Pounds and Rand. One Long Fund Name Nearly Stopped It.
Build in Public

MFFT Learned Pounds and Rand. One Long Fund Name Nearly Stopped It.

The UK tax year starts on 6 April and MFFT finally knows it, South African rand stopped reading as a hundred times too much, and your uninvested cash now has exactly one place to live instead of two.

Sep 15, 20265 min readDennis Vymer

Start Here

17 articles

New to personal finance? Foundations, first steps, and quick wins.

FIRE Is Not an Escape Hatch. In 2026 That Is Exactly How Most People Are Using It.

FIRE Is Not an Escape Hatch. In 2026 That Is Exactly How Most People Are Using It.

Quits are at a decade low, global engagement is 20%, and FIRE is quietly absorbing everyone who won't walk through an open door. I like my job and still save half. Here's why an escape-shaped plan builds a worse portfolio than the same numbers.

Sep 4, 202614 min readDennis Vymer
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Master Your Money

57 articles

Budgeting, saving, and everyday money habits that stick.

How to Stop Arguing About Money With Your Partner: Our Money Date Is Twenty Boring Minutes Because Nothing Is Left to Decide

How to Stop Arguing About Money With Your Partner: Our Money Date Is Twenty Boring Minutes Because Nothing Is Left to Decide

Our monthly money date takes twenty minutes and it's deeply boring, and for years I thought that was because we're good at talking about money. It isn't. Half of couples avoid the conversation on purpose to keep the peace, and every article tells them to talk more. Here's the opposite case.

Sep 6, 202616 min readDennis Vymer
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Learn To Invest

14 articles

Investing explained from zero — terms, accounts, and strategies.

AI Investing Advice Sells Conviction, Not an Edge. I Build a Money Tool and I Still Buy One Boring Fund.

AI Investing Advice Sells Conviction, Not an Edge. I Build a Money Tool and I Still Buy One Boring Fund.

Four in five young UK investors use AI for investing. Nearly three in four know it can be wrong. They do it anyway. AI didn't make anyone a better analyst, it made conviction free — and conviction was always the expensive part. Here's the test I use instead.

Sep 5, 202615 min readDennis Vymer
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Invest Smart

15 articles

Deeper dives for investors: portfolios, risk, and market insights.

Holding Leveraged ETFs Long Term Isn't a Maths Problem. It's a You Problem.

Holding Leveraged ETFs Long Term Isn't a Maths Problem. It's a You Problem.

At twenty I put everything into one stock and it worked, which is the worst possible outcome. If a 2x version had been one tap away, I'd have tapped it. The maths of leveraged ETFs is arguable. The behaviour isn't. They don't double your returns, they double you.

Sep 8, 202615 min readDennis Vymer
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The personal side

My Journey

13 articles

Personal stories and lessons from the road to financial freedom.

Our Monthly Money Date Takes 10 Minutes. The Only Money Meeting That Matters Happens in January.

Our Monthly Money Date Takes 10 Minutes. The Only Money Meeting That Matters Happens in January.

I timed our monthly money date: eleven minutes, four of them the coffee. The internet prescribes eighty. I think the length of that meeting isn't discipline — it's a readout of how much money is still waiting for someone to decide something.

Sep 8, 202613 min readDennis Vymer
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