From the Tamias team
The Tamias Blog
Posts tagged Behaviour
The Perfect Coupon Timing Is Worth R$ 116 (and You Still Can't Capture It)
July 17, 2026 · 10 min read
There's an elegant optimisation hidden in the regressive tax table: buy on the right date so the first coupon dodges the priciest bracket. We ran the numbers. It's a mirage — and the mirage teaches more than the result.
The High-Coupon Myth: Why Getting Paid Sooner Doesn't Mean Earning More
July 15, 2026 · 12 min read
The semiannual coupon is sold as passive income and a clear advantage. It is really a risk swap — and for anyone still in the accumulation phase, an expensive one: the taxman collects even when interest rates never move.
The Psychology of Money: Why Behaviour Beats Intelligence
May 21, 2026 · 9 min read
Morgan Housel's quiet masterpiece makes a single, uncomfortable argument: financial success has less to do with what you know and almost everything to do with how you behave.
PERMA: The Framework That Tells You What Your FIRE Number Cannot
May 20, 2026 · 10 min read
Your retirement number tells you when you can stop. The PERMA model of wellbeing tells you whether stopping will actually make you happier — and the answer is more complicated than most FIRE plans assume.