The Alistair Blog
Stories about the broken world of traditional financial advice, deep dives into our microtools, and updates on what we're building to fix it.
The Accuracy Problem in AI Financial Advice
Most AI tools answer financial questions by hoping the model's training data is recent enough. That's a recipe for disaster. Here's what we built instead.
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Meet the Coast FI Calculator: The Number That Changes How You Think About WorkMicrotools
Coast FI is the point where your investments will grow to cover retirement on their own — no more contributions needed. Alistair's calculator finds your Coast FI number and the freedom it unlocks.
Meet the Mortgage Calculator: Your Monthly Payment, DeconstructedMicrotools
That monthly mortgage payment isn't just one number — it's a story about principal, interest, and how banks make their money. Alistair's calculator shows the full amortization schedule and how much that house really costs.
Coast FIRE: The Middle Path Nobody Talks AboutRetirement
You don't need to save 70% of your income or retire at 35. Coast FIRE is a lower-stress version of financial independence where front-loaded savings do the heavy lifting.
Meet the Compound Interest Calculator: The Eighth Wonder of the World, QuantifiedMicrotools
Compound interest is the most powerful force in wealth building — and the hardest to visualize. Alistair's calculator shows your money's growth path and why starting early matters more than saving more.
Meet the Savings Rate Calculator: The One Number That Predicts Your Financial FutureMicrotools
Your savings rate determines when you reach financial independence more than any other factor — more than your income, more than your investment returns. Alistair's calculator shows your rate and your timeline.
The $12,000 Handshake: What Traditional Advisors Really Cost YouHorror Stories
A 1% AUM fee sounds small — until you do the math. Over 30 years, a typical advisor fee can cost you hundreds of thousands in lost returns.
Meet the FI Number Calculator: The Simplest, Most Important Number in Personal FinanceMicrotools
Your FI number is what you need to stop working forever. 25x your annual expenses — but what about Lean FI and Fat FI? Alistair's calculator shows all three targets so you know what's enough.
100% Equities: The Case For (and Against) Going All-InInvesting
If stocks always win over long periods, why own anything else? The math is seductive — but it ignores what actually happens to real investors during 50% drawdowns.
Meet the Bridge Account Calculator: The Early Retirement Gap Nobody Talks AboutMicrotools
Retire at 55? You've got 4.5 years before you can touch your 401(k) penalty-free. Alistair's bridge account calculator shows how much taxable money you need to cover the gap so you don't burn your retirement accounts.
Lifestyle Creep: You Got a Raise and You're Still BrokeMoney Basics
The single biggest reason high-income earners don't build wealth isn't taxes or investing mistakes. It's the silent upgrade to everything they buy.
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