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The newest frameworks on Stratapedia, across every category. Updated continuously as the editorial team approves entries.
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FINMaking Money vs Growing Money
Earning and compounding are separate skills — most high earners only have one
MINDWealth as a Learnable Game
Treat wealth-building as a game with discoverable rules, not a lottery
STRDevolution as Bandwidth Optimisation
Central government should handle global-scale decisions and devolve everything else to those on the front line
ENTFailure Affordability Gradient
Entrepreneurial resilience is a class privilege, not a mindset — the gradient determines who can iterate to success
STRIceberg Political Capture Model
Visible political donations are the tip; think tanks and media funding are the dangerous mass below
FINUniversal Basic Capital Stack
Build bottom-up wealth through three layered state mechanisms, not universal income
FINQE Windfall Tax Logic
State-funded asset inflation creates a legitimate case for a targeted windfall levy
FINWealth-to-Wages Ratio Diagnostic
Track the multiple of national wealth to wages to measure true inequality
MINDThe Overconfidence Trap
Expertise builds confidence faster than it builds competence — and experts are the most dangerous victims
FINThe Theorem of Modest Greed
If a £500 note were lying on the pavement, someone would already have picked it up
FINConsumption Smoothing
Match your spending to your lifetime income curve, not just today's balance
SELFTemptation Bundling
Pair present sacrifices with small immediate rewards to beat present bias
FINThinking on the Margin
Every decision should be evaluated at the last unit, not the average
FINThe One Right Answer
If you don't know what you're doing, index funds are your only rational move
FINThe Holistic Reform Bundle
Pension sustainability requires all levers — public sector, tax relief, state pension, and private adequacy — moved together.
FINThe Pot For Life Ownership Principle
Psychological ownership of your pension pot drives saving behaviour more than any rate of return.
FINThe Mandation Red Line
Once politicians control where pensions invest, the money is never fully private again.
FINThe 75-Gate Pension Model
Private savings bridge you to 75; a sustainable state pension carries you for life.
FINThe Free Money Pyramid
Pension contributions deliver a day-one return no other asset class can match.
FINThe Auto-Enrolment Adequacy Gap
Auto-enrolment solved participation but left contribution levels dangerously low.
STRThe Inheritance Economy — Macro Drag on Growth
When parental wealth is the primary gateway to adulthood, the whole economy stalls — not just the unlucky individuals.
FINFinancial Self-Education as Capital Substitute
For those without parental wealth, deliberate financial knowledge is the one lever that reliably closes the gap.
MINDThe Self-Made Myth
The 'self-made' narrative is culturally useful but empirically shaky — most success stories have a silent backer.
FINThe Bank of Mum and Dad — Full Ledger
Parental support is far wider than a house deposit — map the whole account before judging who is self-made.
FINInheritocracy
Parental wealth, not personal effort, is the dominant engine of opportunity in the 21st century.
MINDThe Retirement Rethink — Work Optional, Not Work Stopped
If you can retire early, you probably won't want to — so build for choice, not cessation.
FINMindful Spending — Intentional Cuts Over Budgeting Discipline
Track every pound you spend for one month. You'll spend less without trying.
FINThe Leverage Multiplier — Property as an Inflation Capture Machine
Debt isn't the risk in property investing — not using debt is.
FINThe 1971 Inflection — Wealth Rules for a Debasement Regime
When the rules of money change, the old playbook stops working — and most people haven't noticed.
FINThe Three-Bucket Portfolio
Every asset serves one of three motivations — protect, maintain, or improve your wealth.
FINThe Theater of Finance
Finance depends on performance and narrative — remove the theater and the market ceases to exist
FINSkin-in-the-Game Market Architecture
Partnership structures align risk with decision-making; corporate structures dissociate them
FINCapital Extraction vs Capital Formation
Finance rarely builds — it mostly finds clever ways to move wealth from one pocket to another
FINThe Passive Ownership Trap
Index investing optimises returns while surrendering the governance power that could fix the system
FINThe Volatility Distortion Effect
Short-run risk metrics force long-horizon institutions to act like day traders
FINFinance as Social Technology
Markets are human constructs, not laws of physics — and can be redesigned
FINThe Long-Run Data Minimum
Thirty years of data tells you almost nothing — you need a century across many countries
FINNegative Alpha Certainty
Fees are the only form of alpha you can guarantee — and they compound against you
FINGlobal Diversification Dominance
Home bias is always wrong — own the world, not your postcode
FINLower Expected Returns Anchoring
The 20th century was exceptional — build your retirement plan around something closer to 5% real
FINThe Equity Risk Premium as a Variable
The equity premium is not pi — it is not a constant and cannot be looked up
FINSurvivorship Bias in Financial History
The returns you see are the markets that survived — the losers were quietly erased
FINThe Fiscal Credibility Test
Evaluate government announcements by long-run commitment, not short-run numbers
STRBold Package vs Piecemeal Picking
Reform everything at once or don't call it reform at all
FINStructure-Before-Rates Tax Reform
Fix the base and design first — arguing about rates is a distraction
FINThe Inescapable Fiscal Trilemma
Every government faces three levers — and must pick at least one
FINThe Debt-as-Real-Cost Lens
Debt interest is a tax today, not a problem for grandchildren
FINPension Policy Stability Compact
Long-duration savings vehicles require policy certainty — frequent rule changes destroy the incentive to save
FINWealth-Income Inequality Divergence
Income inequality can fall while wealth inequality rises — the asset price mechanism that traps social mobility
FINFront-Loading Fiscal Illusion
Spend heavily now, promise implausible cuts later — a structural pattern in UK fiscal planning