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Jul 26 •
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 •
Before you move an unfinished check to next month
Moving a due date does not explain why a review task stalled. I want the next note to make the obstacle visible. Try this fictional example in your free RBI Starter Planner → Review Routine: Original task: “Check the fund’s current costs.” What happened: an old document was found, but its effective date could not be verified. Unhelpful update: change the deadline and leave the same task unchanged. A more useful note would say: “Still open: I have not verified that this is the current document. Next step: locate the provider’s current official document and check its effective date. Then record the source and what I found.” Keep the earlier note so that the history is visible. Set a realistic next date, but do not mark the check complete merely because time was spent on it. Your action: choose one unfinished practice task. Add what blocked it and one step that addresses that obstacle. If the problem is unclear wording rather than missing evidence, rewrite the question first. This is a process exercise; it does not tell you to change an investment. Keep holdings, balances and account screenshots private. — Lars General investment education only.
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5d •
Can your review note stand without the return figure?
A positive month can hide unfinished review work. I want the review record to show what I actually checked. In the fictional card, the portfolio is up, two of three planned checks are complete, and one remains open. A negative return would leave the completion record exactly the same. Open your free RBI Starter Planner → Review Routine. Choose one practice-review row and read its evidence or note without looking at returns. Can you tell what was checked and what was found? If the note only says “reviewed,” replace it with a concrete sentence. For a fictional cost check: “Read the current provider fee document dated [date]; recorded the cost and the source.” Use Complete only when you did the check. Use Not applicable only when it does not apply, and explain why. If work remains, record the next action and target date rather than treating a good market result as completion. Your action: improve one evidence note so that you could understand it a month from now. Keep holdings, balances and account screenshots private. — Lars General investment education only. This exercise does not recommend a transaction or allocation.
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10d •
Make the first check explicit in your review method
A boundary crossing is easier to interpret when the numbers behind it have been checked. In your free RBI Starter Planner, find the review method field in Portfolio Policy Draft. Use a fictional practice case to make its first check explicit: “Before interpreting drift, I will verify ______ against ______ dated ______.” The blanks identify an input, its source and the date. They do not set a target percentage or tell you what to trade. The Starter lesson describes several possible review findings: inputs need updating, the existing contribution rule may address the difference, a product needs investigation, or no change is justified. A boundary crossing alone cannot tell you which finding is supported. Your action: add that first input check to the review method field. Keep this as a private workbook exercise; no holdings, balances or account screenshots are needed. — Lars General investment education only. This exercise does not recommend a transaction or allocation.
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20d •
Give one portfolio component a testable job
A ticker tells me what the component is called. A job description tells me why it belongs in the plan. Try this with one row in Portfolio Policy Draft. Keep the product name covered and complete two sentences: “This component is here to ______.” “I would check ______ to see whether it still serves that role.” For example, in a fictional learning exercise, “support money that may be needed soon” creates different questions from “support a distant goal.” Neither sentence selects a product or says what percentage to allocate. It tells you which evidence matters next. If you cannot yet explain the role, leave it as an open research question. If another component has the same job, record whether that overlap is intentional before deciding anything. Your action: finish those two sentences for one component. Then check the complexity limit in your draft: can you realistically maintain that evidence across all the components you have listed? What part was hardest to make specific—the role or the evidence? No holdings, balances or other private account details needed. — Lars General investment education only. This is not a recommendation to buy, sell or change an allocation.
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