Learning Path.
Foundations First
For those who want to ensure their financial foundations are solid before considering investments. Focus on emergency buffers, debt, and cashflow.
Articles
4
For
People who want to stabilise their finances before investing
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...
Illuminvest provides general educational information only and does not provide personal financial advice.