Insights gleaned from 25 years of life and investments.
Throughout this journey, as a Professional Opportunist I’ve encountered both missteps and triumphs, alongside fortunate strokes of luck.
My outlook on life, people, and investments leans towards the “glass half full,” fostering an optimistic perspective. Consequently, I’ve gravitated towards investment strategies and approaches that often diverge from mainstream consensus, challenging the perspectives of friends, family, and peers.
My aim is to impart valuable lessons that may resonate with you. Here’s to shared wisdom and growth—Ryan.
-
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…
-
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…
-
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…
-
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…
-
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.
-
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…
-
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…
-
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,…
-
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…
-
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.…
-
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.…
-
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…
-
The Coming Fusion of AI and Money: How Stablecoins Will Power the Exponential Economy
When I wrote Technology Has Been Eating the World, But It’s About to Exponentially Consume It earlier this year, I argued that artificial intelligence isn’t just another wave of innovation……..it’s an accelerant for everything that came before it. But what happens when AI collides with money itself? 2026 might be…
-
How I Try to Overcome My Behavioural Biases with the 3×3 Loop
In my previous article, I outlined the psychological biases and behaviours that have repeatedly tripped me up as an investor. Understanding those biases was a big step, but knowing them wasn’t enough. I needed a simple framework I could actually use in real time……….before I buy, while I’m holding, and…
-
The psychological biases that have held back my investing
What has held me back (and I suspect many others) on my investing journey isn’t a lack of information…….it’s the reactive decisions I’ve made in hot, emotional moments where I FOMO into a trend or panic sell into a falling market. Those choices weren’t random; they were driven by hard‑wired…
-
Bitcoin Cycle Peak Indicators – Update Aug 15 (More Indicators Added)
As per our plan around timing the exit of this crypto cycle, outlined below is where the indicators are currently tracking. New Indicators – Bitcoin Cycle Risk Framework We’ve decided to incorporate some additional indicators courtesy of Jamie Coutts over at RealVision. The Bitcoin Cycle Risk Framework by Jamie Coutts…
-
My Journey to Medicine 3.0: How Peter Attia Changed the Way I Think About Health
Since I was a child, I’ve always loved physical exercise. You could say I’m addicted to it. Sports, gym sessions, running, soccer, afl, surfing….it’s been a part of my daily routine for decades. Through my youth and well into my 40s, I believed that being active equaled being healthy. After…
-
The Collapse of the Old Guard: Why Major Parties Are Losing Touch in Australia and the U.S.
We’re living through a political realignment….and not the kind either side is prepared for. In both Australia and the United States, we’ve seen once-dominant major parties implode under the weight of outdated ideologies, internal dysfunction, and a refusal to evolve with their electorates. I’m not a Trump supporter, nor do…
-
Financial Freedom Is Rarely Achieved by Selling Your Time
Are you an employee or a self-employed business owner simply selling your time for money? Most working people fall into one of these two categories…..and as a result, they’re effectively earning an hourly rate no matter how good the title or salary sounds. But a small percentage of the population…
-
Bitcoin Cycle Peak Indicators – Update May 15
As per our plan around timing the exit of this crypto cycle, outlined below is where the indicators are currently tracking. Here’s a snapshot of where the key indicators currently sit and what they’re suggesting about Bitcoin’s next moves. Since Trump’s inauguration, Bitcoin has paused its upward momentum, largely due…
-
The Most Important Financial Decision You’ll Ever Make Is Who You Build Your Life With
Your most valuable asset isn’t listed in your portfolio. It doesn’t generate quarterly returns or IPO. But it shapes your financial future more than any ETF, property, or startup. It wakes up next to you.It’s seen you at your worst and still loves you.It either compounds your life or quietly…
-
The Power of Compound Investing: How to Grow Wealth Slowly but Surely
If there’s one financial lesson I wish I had learned in high school, it’s the power of compound investing. Unfortunately, this crucial wealth-building principle is rarely taught in schools, leaving many young people unaware of how they can set themselves up for long-term financial success. The truth is, wealth isn’t…
-
The Crisis of Western Male Youths: A Growing Minority Without Value?
The growing crisis among young men in Western societies is becoming increasingly evident. Declining economic and social standing, disengagement from education and the workforce, and broader societal consequences are shaping a generation at risk. Professor Scott Galloway, a renowned author, business professor, and public commentator, has extensively analysed this issue,…
-
Bitcoin Cycle Peak Indicators – Update Feb 15
As per our plan around timing the exit of this crypto cycle, outlined below is where the indicators are currently tracking. Here is a graph that shows where we are in this Bitcoin cycle post-halving compared to other cycles in relation to Bitcoin ATH. Through all previous cycles the BTC…
Subscribe
Enter your email below to receive updates.
