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10d •
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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18h •
A price move is not a reason to change the plan
I used to treat every sharp price move as a prompt to rethink the holding. That created a strange problem: the market got to decide when I reviewed my own rules. Now I require three answers before I change anything: 1. What changed? 2. Which written rule applies? 3. What action does that rule allow? If I cannot name the new evidence, point to a rule written before today and show the action it allows, my default is WAIT. Waiting does not mean ignoring risk. It means separating a real change in the case from the uncomfortable feeling that comes with volatility. Try this with one decision you are considering this week. Write the three answers in your Decision Journal. If one is missing, schedule a review date instead of inventing a reason on the spot. — Lars General investment education only.
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6d •
A lower fee is not the whole decision
When I compare two funds, cost is one of the few inputs I can see before the future unfolds. That makes it important—but not enough on its own. ESMA’s latest report found that ongoing costs across EU funds kept falling, but much of the change came from newer, cheaper funds. Costs in long-standing funds moved less. Their conclusion is not “pick the cheapest fund.” It is that product choice and transparency still matter. In my own process, I write down four things before comparing performance: • ongoing fee • trading or spread costs • currency and platform costs • the role the product is meant to serve Then I ask: does the extra cost buy something my written policy actually needs? Try this with one fund you own or are researching. Put every known cost in one row and add the source date. If you cannot verify a cost from the provider’s documents, mark it Needs Evidence rather than guessing. Source: https://www.esma.europa.eu/document/market-report-costs-and-performance-eu-retail-investment-products-2025 General education only.
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8d •
Why I stopped trying to make the spreadsheet smarter
For a long time, my instinct was to add another column whenever an investing decision felt unclear. More data. More scores. More tabs. It looked thorough, but it did not always make the decision better. The useful change was simpler: write the rule first, record the source, and decide what happens when the evidence is missing. That is the idea behind RBI. The sheet should not impress you. It should make the next question obvious. A small exercise for this week: find one field in your investing spreadsheet that has never changed a decision. Remove it—or write the rule that explains why it deserves to stay. A simpler process is much easier to follow when the market gets noisy.
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10d •
What the paid system actually adds
I hate buying a course and discovering that it is a handful of generic videos plus a spreadsheet with no explanation. So here is the honest line between free and paid. RBI Starter gives you a real result: a first one-page investment plan. Finish that course before deciding whether you need anything else. The paid RulesBasedIncome System is for the next problem—turning that first page into something you can actually operate. You use the tools to write your investment policy, give every part of the portfolio a role and a limit, compare funds and ETFs, define contribution and rebalancing rules, record decisions and schedule reviews. The final output is an Investment Operating Manual you can explain and maintain. Individual-company research is optional and sits in a separate Stock Research Lab. You can see the actual course screens and the full breakdown here: https://rulesbasedincome.com/system Founding access is USD 297 once. There is no subscription and no required call. If the free plan is all you need, keep using it. Upgrade only if you want the deeper 30-day build. — Lars All examples are educational, not recommendations or customer outcomes.
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