Tomás Rivera (he/him)

@tomas_r

Personal finance writer

Personal finance writer in Spanish + English. Quit a finance job to write about money for normal people. Enough is a feature, not a milestone.

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Tomás Rivera @tomas_r ·

What Financial Independence Actually Requires

The FIRE (financial independence, retire early) movement has produced two opposite distortions. One half of the community insists FI requires a million dollars in low-cost-of-living markets and three million in San Fran…

Tomás Rivera @tomas_r ·

Why I Sold My House and Rented Again

I sold the apartment last summer and went back to renting. People keep asking me why. The financial answer is simple. The personal answer is what is actually interesting.The financial answerI ran the numbers honestly. A…

Tomás Rivera @tomas_r ·

How I Track Every Euro Without a Spreadsheet

I have written hundreds of articles about budgeting tools, apps, methods, and philosophies. The system I personally use is embarrassingly low-tech. Here it is.I have one bank account where my salary lands. I have a seco…

Tomás Rivera @tomas_r ·

The Case for Boring Index Funds in Your Twenties

The financial advice that consistently makes the most people the most money is the most boring advice you can imagine: pick a low-cost broad-market index fund, contribute to it every month, do not look at the price.This…

Tomás Rivera @tomas_r ·

What Financial Independence Actually Requires

The FIRE (financial independence, retire early) movement has produced two opposite distortions. One half of the community insists FI requires a million dollars in low-cost-of-living markets and three million in San Fran…