Essays
Notes on where money sits, and why it matters.
Occasional pieces on budgeting by purpose and horizon — the thinking behind Duration, written out at length.
Some pieces are written in the language of the readers they are for, and are marked below. Duration itself is in English, and is built for any currency and any country.
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What YNAB gets right — and the one thing it structurally can't model
If you have been investing your sinking funds, you have already built half of this by hand. Here is the part the tool cannot give you. -
Your 'savings' were never one number
One account, one balance, four intentions with four different dates. The balance is the only part of that your bank can show you — and it is the least useful part. -
Ditt sparande var aldrig ett enda tal
Ett konto, ett saldo, fyra planer med fyra olika datum. Saldot är den enda av delarna som banken kan visa dig – och den minst användbara. -
Fyra hinkar och frågan de inte besvarar
Hinkmodellen svarar på hur stor del av dina pengar som får svänga. Den säger ingenting om när du behöver dem – och det är där kalkylarket tar vid.