Hello. Welcome.

I’m Brian Phillips, a writer, investor, and programmer living in New York City.

Effortless Future is my home for personal essays and think pieces on money and investing. I also can’t resist writing about New York City from time to time.

New posts on Wednesdays, mostly.

First time here?

It might help to get to know me a bit. Start with my 33 realizations in 33 years.

My wife does all the drawing.