4frameworks
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The Staggered Inheritance Trust
Don't hand an 18-year-old a fortune — design the trust so the money arrives when they're ready for it.
The Bank of Mum and Dad — Full LedgerIn-depth
Parental support is far wider than a house deposit — map the whole account before judging who is self-made.
The ZIRP Inequality RatchetIn-depth
Zero rates systematically transfer wealth from cash-poor savers to leveraged asset owners — every cycle tightens the ratchet
The Wealth RatchetIn-depth
QE money flows to the rich, who buy your assets, making you poorer — on repeat