The US dollar has long been the world's financial backbone. But the ground is shifting beneath this monetary giant.

Why? It's a mix of domestic issues and global changes.

The US is grappling with enormous debt. Interest payments on the national debt now outstrip defence spending. The government is borrowing more than during COVID, but at much higher interest rates. It's like using one credit card to pay off another, on a national scale.

Meanwhile, the world is adapting. China, once the biggest buyer of US Treasuries, is selling them off. Many countries are diversifying their reserves, often turning to gold.

It's not just about savings. New payment systems are emerging, bypassing US-dominated networks. China, now a top global trader, is using its own currency more for international deals.

And don't forget crypto – a whole new financial ecosystem that could rewrite global money flows.

All this is happening as geopolitical alliances shift. BRICS isn't just an acronym; it's becoming a powerful economic bloc.

So where does this leave us? At a crossroads. The dollar-centric system is deeply entrenched, but change is coming. The US can't keep maxing out its credit forever, and the world is already seeking alternatives.

Are we seeing the end of dollar dominance? Or just another twist in the complex tale of global finance?

Whatever happens, these shifts will impact everything from policy-making to personal finance. What's your take on how this might play out?

I've been thinking a lot about how we're all born into this world with pre-existing structures and systems. It's like we're handed a rulebook and told, "Here you go, this is how things work." But who wrote this rulebook, and why should we accept it?

How much of what we believe, do, and how we live is really our choice? Sometimes I feel like we're all just following a script without realising it.

The other day, I was looking at how governments and big companies operate. They seem so permanent, don't they? But then I remember reading about revolutions and social movements, and it hits me - change is possible. It's just really, really hard.

Why does it take something massive, like a war or a global crisis, to shake things up? The inertia of established systems is overwhelming. Individuals can effect small changes, fundamentally altering core structures seems to require cataclysmic events. It's a sobering realisation.

Then there's the advent of AI. I’m incredibly excited about the possibilities in this space, I wouldn’t have dedicated the last decade of my life to it if I wasn’t. But a part of me is worried. When thinking of governments, are these tools going to free us or just trap us in even more complex systems?

The craziest part? Even the people in charge don't seem to know what they're doing half the time. Just look at how countries handle money. The US is borrowing like there's no tomorrow. It makes you wonder if anyone really has it all figured out.

So what do we do? I guess we start by asking questions. Why do we do things this way? Who benefits from keeping things as they are? What small changes can we make in our own lives to push back a bit?

I keep reminding myself that every big change started with someone just like us, thinking, "Hey, maybe there's a better way." It's not easy, but it's worth trying. Because if we don't shape the world we want to live in, who will?

Just some thoughts I've been mulling over. What do you think?

In June I completely redesigned my blog with the goal of trying to write and publish daily.

No matter the quality, nor the subject matter, I wanted to sit down for 30 minutes in the morning, and click publish on whatever came to mind. That was the goal anyway.

But then I forgot, I'm terrible at sticking to routine when on holiday. So my goal was to start upon my return. Then I got Covid! So now… that I'm starting to feel a little better, and (touch wood) think I'm recovering - I think I can publicly commit to writing a post a day.

Let's see how long my streak can last.

For the past few years I've been trying my best to integrate Stoic principles into my everyday life. I've got them saved so that I'm reminded of a different one each day in my daily journal. I wanted to share some of them here:

1. Use setbacks as signposts - view challenges and setbacks as opportunities for learning and growth, not as obstacles.
   
   

2. Focus only on what you can control - concentrate your efforts on your actions and attitudes, the aspects of your life you can influence, rather than external events beyond your control.
   
   

3. Practice mindfulness of the present moment - engage fully with the present, minimising distractions from past regrets and future anxieties to enhance clarity and focus.
   
   

4. Develop an attitude of gratitude - cultivate a habit of appreciating what you have, rather than fixating on what you lack or desire, to foster contentment and resilience.
   
   

5. Accept the inevitability of change - understand and accept that change is a constant aspect of life, which helps in adapting flexibly and calmly to new circumstances.
   
   

6. Reflect on your mortality regularly - contemplate the transient nature of life to appreciate the present and prioritise meaningful actions and relationships.

In the age of social media, it's easy to fall into the trap of believing that everyone else has it all figured out.

Spend just ten minutes scrolling through your feed, and you'll be bombarded with posts of seemingly perfect lives – solopreneurs celebrating their latest revenue milestone, content creators hitting new subscriber records, and founders raising impressive rounds or exiting for millions.

But here's the truth: behind the carefully curated highlight reels, even the most successful people are still learning and making it up as they go along. The illusion of perfection is just that – an illusion.

It's a reality we often fail to recognise, especially when we're young. As children, we looked up to our parents and assumed they had all the answers. It's only when we grew older that we realised they, too, were figuring things out as they went along. The same goes for the celebrities, entrepreneurs, and influencers we admire from afar. No matter how successful they may appear, everyone is facing challenges of their own, learning as they go, and most likely climbing what seems an insurmountable mountain.

So, when you see someone online banging their chest about their achievements, remember that their success is not solely attributable to skill or their own doing. Luck, timing, and a myriad of other factors play a role, and even the most accomplished individuals are still learning and growing.

It's crucial not to let others' self-promotion make you feel disenfranchised or less capable.

The pursuit of status and external validation is a game that can never truly be won. As Felix Dennis once said, "Happiness? Do not make me laugh. The rich are not happy. I have yet to meet a single really rich happy man or woman—and I have met many rich people."

Constantly chasing after the next milestone or comparing ourselves to others is a surefire recipe for dissatisfaction.

Instead of getting caught up in the highlight reel, focus on finding joy in the little things – the small moments and simple pleasures that make life worth living. Savour that first sip of coffee in the morning, laugh at a funny TikTok with your partner, or admire the colours of a particularly stunning sunset. By cultivating gratitude and contentment independent of external factors, we can find a deeper sense of fulfilment.

To navigate life's challenges with grace and resilience, we must also develop a strong inner foundation. This is where the principles of Stoicism come into play. Stoicism teaches us to focus on what we can control – our thoughts, actions, and reactions – and to accept what we cannot. By mastering our inner world, we can face the outer world with equanimity and strength, even in the face of adversity.

In today's digital age, Stoicism offers a powerful antidote to the comparison trap. Instead of letting social media dictate our self-worth, we can choose to focus on our own growth and progress, cultivating self-awareness, self-discipline, and self-compassion along the way.

Remember, true happiness and fulfilment come from within, not from external validation or material success. By staying focused on your own path, finding joy in the little things, and developing a resilient mindset, you can rise above the noise and live authentically in a world that often feels uncertain and overwhelming.

So, the next time you find yourself scrolling through social media and feeling inadequate, remember that everyone is fighting their own battles, learning as they go, and that perfection is an illusion. Embrace your own journey, find joy in the little things, and trust in your own resilience. That's the secret to a life well-lived.

My first post on my new blog.