The AI-Era Formula for Financial Freedom
With AI accelerating at an unprecedented pace, no one truly knows what the workforce will look like in five years. What is clear is that relying solely on labour “exchanging hours for income” will become increasingly fragile in a world where machines can scale infinitely.
Financial resilience in this new era comes from being a capital allocator, not just a labour allocator. By positioning capital in front of the largest secular trend of our lifetime, you give yourself the ability to participate in AI-driven growth rather than be disrupted by it.
INSIGHTS
TheBucket’s Insights
Monthly Insights into our investment philosophy along with lessons we’ve learnt along our journey.
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My Information Diet: The Daily, Weekly and Annual Media That Shapes How I Think
People occasionally ask where the views in these articles actually come from, whether it’s a call on the crypto cycle, a read on the next Budget, or a principle I try to live by. The honest answer is that almost none of it originates with me in the moment. It is the output of a…
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Give With a Warm Hand: Why the Family Home Is Now the Only Property Investment Worth Making
The 2026-27 Federal Budget passed Parliament in June and, along with it, most of the good reasons to invest in property in this country. I wrote about the mechanics in my budget breakdown at the time, but it’s worth restating plainly what it means for anyone thinking about real estate right now: the only property investment that still makes…
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Why AI Won’t Kill Software Engineering, It Will Supercharge It
There is a story being sold right now that I think is dead wrong. The story goes like this: AI writes code, code is what engineers do, therefore engineers are finished and the firms that employ them are next. Dario Amodei, the CEO of Anthropic, said AI would be writing essentially all code within twelve months.…
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The 2026 Federal Budget: Three Tax Changes That Punish Saving, Investing and Building
The 2026-27 Budget rewrites Australia’s investment tax framework. Negative gearing is abolished for established property. The 50% CGT discount is replaced with indexation and a 30% minimum tax on every CGT asset. Discretionary trusts face a 30% minimum tax at the trustee level. Here’s who actually pays – and why renters, founders and small business…
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Bitcoin Has Peaked: Why This Cycle Broke the Mould and What Comes Next
My Bitcoin Cycle Peak Indicators never triggered — because this cycle broke the mould entirely. Here’s why I believe the peak is in at $126K, why we haven’t bottomed yet, and what comes after.
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When Consumers Become Agents
AI is not just changing how work gets done. It is starting to change who, or what, participates in the economy. Most people still think AI is a productivity story. Better writing. Faster research. Lower labour costs. That matters, but I think it misses the bigger shift. The bigger shift is that AI is moving…
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The Behaviour Gap
This chart is the reason I keep my principles written down and review them every month. The “behaviour gap” is the difference between what an investment actually returns and what the average investor walks away with. The investment doesn’t lose them money – their behaviour does. They pile in when prices are high and everyone…
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When AI Breaks the Social Contract
For most of modern history, there has been a simple bargain underpinning capitalism. If you worked hard, acquired skills, and stayed competitive, society would reward you with rising wages, economic security, and a stake in the future. Capital needed labor. Labor became consumers. Governments taxed both. Everyone, imperfectly, but meaningfully, participated. That bargain is now…
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The Five F’s Lifestyle Audit: Lessons From a Stress-Test Year
Each year I run a simple but brutally honest exercise on my life: The Five F’s Lifestyle Audit………Friendship, Family, Financial, Fitness and Fun. I’ve written previously about how the framework works and why I use it (read that here), so I won’t repeat the mechanics. Instead, this article focuses on what the most recent data…
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Calendar Year 2025 – Annual Portfolio Review
As we enter 2026, we are pleased to report another year of solid performance across our diversified portfolio. For the 2025 calendar year, the portfolio delivered an annual return of 13.36%, bringing our Internal Rate of Return (IRR) to 16.31% per annum since we began tracking performance in January 2022. While this represents a modest…
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My Next Step Toward a Medicine 3.0 Life: How I Finally Found a System That Matches Peter Attia’s Philosophy
In my previous article My Journey to Medicine 3.0: How Peter Attia Changed the Way I Think About Health I explored how Peter Attia’s framework changed the way I think about health, longevity, and prevention. What I didn’t fully appreciate at the time was this: Understanding Medicine 3.0 is easy. Implementing it inside the Australian…
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Riding the Long Waves: Understanding Secular vs Cyclical Market Trends
In Technology Has Been Eating the World, But It’s About to Exponentially Consume It, I explored how innovation compounds exponentially……how AI, data, and automation are reshaping everything from productivity to investing. And in Why a 12% Annual Return Is Essential to Maintain Your Wealth, I argued that investors need sustained compounding just to stand still,…
