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In our September 2025 post, we discussed Fred Harrison’s theory that the 18-Year Property Cycle wasn't broken, but merely shrouded by global events. The Cycle had simply banked its gains early during the COVID-19 pandemic and was recalibrating for its finale. In his latest and perhaps most urgent briefing to date, Harrison’s 2026 forecast has refined the timeline. The message is clear: the window of opportunity is closing. We are moving from the Winner’s Curse phase into wha

Boring Builds Wealth As we open our doors to 2026, the world looks very different to a year ago. However, for those following the Grad Rags to Riches philosophy, the message remains clear: wealth isn't built by reacting to the headlines of the day, but by buying the whole haystack – Boring Builds Wealth. Investing over the past few years has been a rollercoaster, from the challenges of 2022 to the strong rebounds in 2023 and 2024, each year brought unique lessons for invest

Investing often seems complex and risky, but it doesn’t have to be. This guide will help you cut through the jargon. You’ll learn about risk and how to build long-term wealth on your own. What is Index Fund Investing? (Buying the Whole Haystack) Index fund investing is a straightforward approach. Instead of picking individual companies, you buy the whole market at once—essentially buying the "whole haystack." Passive Management : An index fund is a passive investment. There’s

The famous R > G formula shows that asset wealth grows faster than wages. Learn why you must invest now to escape the downward arm of the K-shaped economy and secure financial freedom

The first, and most important, thing to understand is this: You need to ask to get paid what you deserve. You need to know what to ask for, and, more importantly, how to ask for it. Your Simple Steps to Getting a Pay Rise

Starting your journey to financial independence can feel overwhelming. But what if I told you that building wealth doesn’t have to be complicated? With the right approach, you can set yourself up for a secure future without needing a finance degree. Let’s explore some smart wealth strategies that anyone can use to grow their money steadily and confidently. Do This and watch Your Wealth Grow You might wonder, why focus on smart wealth strategies? The truth is, it’s not just ab

"Where do I start?!"  It's the first question everyone asks when they begin their journey to a better financial life. Grad Rags to Riches is here to provide the knowledge and confidence to achieve your long-term financial goals so that you can live the life you want. This is the simple step-by-step financial education we wish we'd had to help build wealth.