Articles
Wealth
Pretending, at its finest
We bluff about wine and nobody gets hurt. We bluff about money too: record searches for mortgage help, while everyone looks fine. Knowing beats appearing.
27 August 2026
Wealth
Inertia is your biggest liability
Inertia costs more than fees or bad investments. Starting 10 years earlier roughly doubles the result. The best investment? Upskilling yourself on money.
27 August 2026
Wealth
The oldest debate: Property or stocks?
Property vs stocks: the famous charts compare unequal things. Add rent, leverage and tax, and the "obvious winner" depends entirely on your situation
23 August 2026
Wealth
Three questions almost nobody can answer about their own financial life
There's a point where what you own matters more than what you earn. Most people never work out which direction they're travelling.
20 August 2026
Wealth
Financial stress ages your heart like smoking does
Mayo Clinic: financial strain ages your heart on a par with smoking, diabetes and high blood pressure. Not knowing where you stand has a health cost
20 August 2026
Wealth
In 1820, only 12% of the world could read and write. Financial literacy is where reading was two centuries ago.
In 1820, only 12% of the world could read. Today 18% of Europeans understand money. We fixed one of those by deciding to teach it.
17 August 2026
Wealth
Getting a tax refund feels like a completion - the end of the road. But it actually isn't..
In many European countries, tax authorities can review your return for several years after filing. If they do, they'll ask you to document what you declared. They can sometimes look back ten years.
17 August 2026
Wealth
Getting a tax refund feels like a completion - the end of the road. But it isn't.
Every document that proves what you own, in one place. Not to store it, but so it can finally be used.
13 August 2026
Wealth
ETF: Accumulating versus Distributing
Before tax, an accumulating and a distributing ETF are the same fund. The gap between the lines is just money you were paid. Your brain disagrees.
11 August 2026
Wealth
Why do so many Europeans end up investing via their own bank's funds?
Your bank advised the fund. Your bank owns the fund manager. And roughly 50% of what you pay to own it goes to the cost of selling it to you, not investing
10 August 2026
Wealth
Personal Cash Runway
Most households have one of two problems: wealth they can't reach, or a cash buffer that costs them every day. Few know which one they have."
3 August 2026
Wealth
The price of investing through your bank
Same market. Same 20 years. €1.6 million apart. The only difference: fees. Do you know what your bank's fee stack actually costs you?
27 July 2026
Wealth
You'll spend around 90,000 hours at work in your lifetime. Much of what you earn leaks straight back out.
You'll work ~90,000 hours in your life. Even the financially savvy leak €3,000–6,000 a year. The gap isn't knowledge, it's visibility.
18 July 2026
Wealth
European tax complexities have reached new heights
Taxes in Europe are so complex that working out what you owe now looks like slot-machine math. In Spain, one income tax becomes millions of versions.
15 July 2026
Wealth
America Gives Newborns $1,000. Europe Gives Them a Pension Bill.
US newborns get $1,000 invested at birth. European newborns inherit a pension bill. See the difference.
13 July 2026
Wealth
Mortgage strategy & how Spain is the odd one in class
In the UK, 80% get a mortgage with an expert. In Spain, 20%. The rest trust the bank. On a €200k loan, that can cost €20–40k in extra interest.
11 July 2026
Wealth
Gain vs Keep
Hidden investment costs, taxes, fees and overpayments, erode more wealth than bad markets. Three real cases where Senso users recovered €50K, €110K and €35K.
10 July 2026