Capital & Freedom est. 2026

Free, every Sunday

The Sunday Letter

One idea about money, explained properly, in under four minutes of reading. No tips, no jargon, no panic about what the market did on Friday.

One email a week. Leave any time. Privacy note.

What lands in your inbox

A letter you will actually finish

One idea

Not ten links. One thing worth understanding, taken apart slowly, with numbers you can check.

Plain words

If a term needs explaining, it gets explained. Nothing here assumes you did commerce.

Nothing to act on urgently

No tips, no calls, no "buy this now". Anything urgent in finance is usually somebody selling.

Recent subjects

No. 12

Your fixed deposit is not as safe as it feels

What a 7% deposit leaves you with after tax and after prices rise.

No. 11

The relative who "handles the investments"

Four questions that will tell you whether your money is being looked after or just held.

No. 10

Why the scary years pay the most

What actually happened to money invested through the last three big falls.

Older letters live in Notes.