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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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24h •
Is this a fact gap or a planning gap?
I want the next source I open to answer a question I can name. Try these two fictional questions: • What is this fund's current fee? An official document can supply that fact. • When will this money be needed for a possible move? Another fund article cannot settle the moving decision. Open RBI Starter → Lesson 1, then your dated Planner copy → Readiness Check. Choose one practice row with an unresolved use date. On a note beside it, separate what needs an outside source from what needs clarification about the goal. If the timing is still unresolved, keep Unknown and explain the reason, as the lesson describes. Do not enter a date simply to make the row look complete. Your action: name the kind of gap and one step that could resolve it. You can do the same exercise on paper without sharing financial details. — Lars General investment education only. This exercise does not select a product or allocation.
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3d •
Matching estimates can hide different assumptions
I do not treat similar valuation estimates as confirmation until I compare what produced them. Imagine two research notes about a fictional business. Both arrive at a similar estimate: • Note A assumes customer renewals improve while operating costs rise. • Note B assumes renewals stay near their recent level while operating costs fall. The numbers look similar, but the operating stories are different. Agreement on the result does not validate either set of assumptions. Try this on paper: put the two notes side by side. Under each one, write the change the business would need to deliver. Then name one piece of evidence you would check to assess the difference. If that evidence is missing, leave the question open. If you use the optional Stock Research Lab, keep this comparison beside a fictional practice case in the Scenario Valuation lesson. Compare the assumptions before comparing the headline values. Your action: make one hidden difference visible before calling two estimates agreement. — Lars General investment education only. This is an imagined comparison, not a calculated valuation or an investment recommendation.
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8d •
What would make the optimistic case credible?
I want a scenario to leave a clear sentence behind, not just a more attractive number. Try this fictional exercise on paper: Base assumption: customer renewals remain near the recent level. Optimistic assumption: customer renewals improve. The second sentence needs evidence. It does not become true because a model accepts it. Write a three-part note: 1. The improvement the optimistic case requires. 2. The comparable evidence you would use to check it. 3. An observation that would make you reconsider that assumption. For this example, the evidence could be reported renewal data over time. Check the definition before comparing periods. If the necessary data is unavailable, leave the question open. If you use the optional Stock Research Lab, revisit the Scenario Valuation lesson and add this note beside one fictional practice assumption. Keep the formulas unchanged. The paper exercise is enough; no paid workbook or personal portfolio details are needed here. Your action: complete one assumption note without calculating a target price or making a trade. — Lars General investment education only.
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16d •
Missing evidence is not a zero
I want an unanswered question to stay visible. Entering zero just to fill an empty cell can make missing research look like a measured result. Try these two fictional cases on a blank note: Case A: A required current report has not been verified. You cannot yet assess the criterion. Case B: You have checked the current report, and its evidence contradicts the criterion. These are different findings. Case A remains Needs Evidence and unscored. Case B has evidence to assess against the written criterion; if a hard rejection rule is triggered, use Reject. Do not give Case A a zero simply to make the comparison look complete. A blank with a clear reason is more honest than an invented score. Your action: label each case and write one sentence explaining why its evidence state differs. If you use the optional Stock Research Lab, compare this distinction with the QVM lesson before editing a practice row. Keep formulas and weights unchanged. You can do the exercise entirely on paper. Keep holdings, balances and account screenshots private. — Lars General investment education only.
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