Learning Path.
Foundations: Guided First Steps
A guided first-steps path that builds your foundations before you invest. Focus on buffers, debt, cashflow, and a simple rules template.
Articles
7
For
Anyone who wants a steady, structured start before investing
What Illuminvest Is (And What It Is Not)
Investing can feel like walking into a conversation that started before you arrived. The jargon, the assumptions, the sheer volume of opinions. It is easy to feel like everyone else already knows something you do not.
How to Use Learning Paths Effectively
Learning about investing is not like learning most things. The stakes are real, the feedback is delayed, and the temptation to skip ahead is strong. This article explains how the learning paths on Illuminvest are structured, why they are sequenced th...
The Role of an Emergency Buffer Before Investing: Why Runway Matters
An emergency buffer (sometimes called an emergency fund or cash runway) is a pool of accessible savings set aside to cover essential expenses during unexpected disruptions. The term "runway" refers to how long someone could sustain their essential co...
Debt Triage and Why Interest Rate Matters
Debt is not inherently good or bad. It is a tool with costs attached. The question is not whether debt exists, but what it costs, and how that cost compares to the alternatives. This article explains why interest rate is the central variable in think...
Cashflow Systems That Actually Stick: Behavioural Economics and Sustainable Money Management
A cashflow system refers to the structure used to direct income toward spending, saving, and obligations over time. Managing money is often framed as a discipline problem. The assumption is that people who fail to save simply lack willpower or financ...
Catastrophic Risk and Why It Comes Before Optimisation
There is a difference between losing money and losing everything. Most investing discussions focus on returns, volatility, and allocation. These matter. But they matter less than avoiding ruin. Ruin is what happens when a low-probability event wipes...
Starter Investor Rules: A Template for Building Your Own
Most investing mistakes happen not because people lack knowledge, but because they lack a plan. When markets move, when headlines shout, when friends share stories of gains or losses, having a written set of rules creates an anchor.
Illuminvest provides general educational information only and does not provide personal financial advice.