Chill Capital is shaped by ideas, not by a single investment doctrine. Some of the most useful lessons about money come from people who disagree with one another about portfolios, risk, spending or the meaning of financial independence. What they share is a willingness to question conventional wisdom and connect financial decisions with the lives those decisions are meant to support.
Chill People is a collection of thinkers, writers and educators whose work has inspired questions, reflections or useful disagreements along the way. It is not a ranking, a list of endorsements or a claim that any of these people are affiliated with Chill Capital. Their views are their own, and they do not necessarily agree with one another—or with the conclusions reached here.
Different Voices, Shared Questions
A simple portfolio can be an expression of wisdom or a way to avoid difficult questions. Frugality can create freedom, but it can also become an end in itself. Financial research can help us make better decisions, while still leaving room for uncertainty and individual circumstances. These tensions are what make the people below worth reading and listening to.
Chill Minds
JL Collins — A voice for simplicity and financial independence, best known for The Simple Path to Wealth and his straightforward approach to index investing.
Scott Burns — A pioneer of the Couch Potato Portfolio, showing how uncomplicated asset allocation can be a practical investment philosophy.
Scott Pape — The author of The Barefoot Investor, whose practical approach connects everyday money decisions with a less stressful life.
Morgan Housel — An observer of the psychology of money, interested in how behavior, uncertainty and personal experience shape financial decisions.
Scott Cederburg — An academic researcher whose work challenges familiar assumptions about long-term portfolio construction and investment risk.
William Bernstein — An author who brings together market history, investment theory, human behavior and the discipline of staying the course.
Paul Merriman — A long-standing advocate of systematic investing and thoughtful asset allocation, with an emphasis on practical investor education.
Bill Perkins — The author of Die With Zero, whose ideas challenge the assumption that accumulating more wealth should always be the goal.
Chill Bloggers
Michael Batnick — Through The Irrelevant Investor, explores investor behavior, market history and the mistakes that come with trying to outsmart uncertainty.
Ben Carlson — The writer behind A Wealth of Common Sense, bringing perspective and clarity to markets and long-term investing.
Nick Maggiulli — The author of Of Dollars and Data, combining evidence, statistics and storytelling to make financial decisions easier to understand.
Carl Richards — Known for his simple sketches and reflections on the gap between what we know about money and what we actually do.
Mr. Money Mustache (Peter Adeney) — An influential voice in financial independence, connecting frugality, self-reliance and a more intentional way of living.
Kristy Shen & Bryce Leung — The writers behind Millennial Revolution, exploring financial independence, travel and alternatives to conventional working life.
Nomadic Samuel — Combines travel-oriented independence with quantitative investing ideas and accessible financial exploration.
Karsten Jeske — Known for his detailed work on safe withdrawal rates and the practical challenges of sustaining financial independence.
Chill YouTubers
Ben Felix — Brings an evidence-based approach to investing, explaining research, challenging myths and distinguishing intuition from data.
Michela Allocca (Break Your Budget) — Makes budgeting and personal finance approachable, connecting financial planning with everyday choices and life goals.
Mr. RIP — An Italian voice on financial independence, simplicity and the relationship between investing and freedom.
Riccardo Spada (The Bull) — Explores ETFs, personal finance and investor education for an Italian audience with a practical, accessible approach.
One Big Happy Life — Connects wealth building with the ambition to enjoy life along the way rather than postponing everything until later.
Practical Wisdom — Explores personal growth, philosophy and the habits behind more deliberate decisions.
An Ongoing Conversation
This collection will evolve as new ideas and perspectives become relevant to the project. The goal is not to follow any one voice unquestioningly, but to learn how different approaches illuminate different parts of the same problem: how to use money wisely without letting the pursuit of money take over our lives.
Some of these perspectives also appear as literary interpretations in The Chill Capital Summit, a fictional series of conversations about investing, risk and the meaning of enough.
Build wealth, sleep well.
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