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.

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Brian Phillips
A writer, investor, and programmer living in New York City