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Jul 26 •
START HERE — Build your first plan this week
Welcome — I’m glad you’re here. I built RBI after realising I did not need more market commentary. I needed decisions I could explain later, written down before the market made me emotional. That is what this community is for. START WITH THIS (20 minutes) 1. Open Classroom → RBI Starter. 2. In Lesson 1, download the Excel planner or make the Google Sheets copy. 3. Complete the Readiness Check. It is deliberately first: before choosing investments, decide whether the money is actually ready for long-term risk. 4. Put two short sessions in your calendar this week and finish the remaining five lessons. By the end of RBI Starter, you will have a first one-page investment plan: goals, time horizons, risk guardrails, eligible building blocks, a simple portfolio policy and a review date. Use the community for questions about the process, sources and tools. Please do not share account values or personal financial details, and do not ask for stock tips. One easy first reply: “The part of my investing process I most want to improve is ___.” RBI Starter stands on its own and stays free. If you later want to turn that first page into a complete 30-day operating system, you will find that option in Classroom—but start here and earn the first win first. — Lars General education, not personalised investment advice.
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10d •
What deserves a place on the next review agenda?
One reason reviews become exhausting is that everything gets admitted to the agenda. I use a simple filter before I open the plan. The issue needs to be one of three things: 1. A new fact — relevant evidence changed. 2. A written trigger — a condition defined earlier was met. 3. A routine date — the scheduled check is now due. A price move or uncomfortable headline may lead to a real question, but neither automatically passes the filter. Open Review Routine and look at one issue currently taking up attention. Write which of the three doors it passes through. If it passes through none, leave the plan closed and keep the next scheduled date. A review can end with maintain. That is a decision, not an absence of one. — Lars General investment education only.
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26d •
A feeling is not a changed goal
A market decline can make the urge to act feel like evidence. It is not. In the RBI Starter planner, the fictional 10%, 20% and 40% rows are reflection prompts—not forecasts and not suggested portfolio losses. Pick one row today and keep these four answers separate: 1. Likely emotional response — what would you feel tempted to do? 2. Goal impact — did the goal, date or access need actually change? 3. Evidence needed — what facts would justify a decision? 4. Review timing — when will you examine it deliberately? “I would feel worried” is useful information about behavior. It is not proof that the goal changed. Complete one row in Risk Guardrails, then read it back. If the evidence or review time is vague, make it observable before moving on. — Lars General investment education only. The decline figures are fictional reflection prompts.
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28d •
Give the money a job before choosing the product
One of the easiest ways I’ve found to make a portfolio more complicated than it needs to be is to start with the product. A fund looks sensible. An ETF has low fees. A stock has a convincing story. But none of that tells me whether it belongs in my plan. Before I compare anything, I write three lines: 1. What is this money for? 2. When could I need it? 3. What job must this part of the portfolio perform? If I cannot answer those yet, I am not ready to research products. That is useful information—not a failure. Try this in Goals & Horizons today: choose one pool of money, write its purpose and date, then stop. Do not choose a product yet. The point is to make product research serve the plan—not let a product define the plan after the fact. — Lars General investment education only.
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Aug 5 •
A price move is not a reason to change the plan
I used to treat every sharp price move as a prompt to rethink the holding. That created a strange problem: the market got to decide when I reviewed my own rules. Now I require three answers before I change anything: 1. What changed? 2. Which written rule applies? 3. What action does that rule allow? If I cannot name the new evidence, point to a rule written before today and show the action it allows, my default is WAIT. Waiting does not mean ignoring risk. It means separating a real change in the case from the uncomfortable feeling that comes with volatility. Try this with one decision you are considering this week. Write the three answers in your Decision Journal. If one is missing, schedule a review date instead of inventing a reason on the spot. — Lars General investment education only.
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