Thinking seriously
about money,
markets & ideas

I grew up fascinated by two things — history and money. Not the textbook kind of either. The real kind. The kind that shapes how people live, how nations rise and fall, and why the same financial mistakes get made again and again, generation after generation. I studied international relations and history formally, and I have never stopped being a historian at heart.

My investing journey started in 2012 with a Maltese government bond — nothing dramatic, a 4.85% yield that turned into a 50% capital gain three years later through patience and conviction. Since then I have traded equities, navigated crypto, built positions through the 2022 correction when everyone else was selling, and learned — sometimes the hard way — that emotion is the most expensive thing in any portfolio.

I founded Monipal to bring financial wellness to the workplace — because I believe that most people's relationship with money is shaped by fear, not knowledge. As a certified money coach, I have worked with individuals and organisations across Europe, running sessions in Estonia, Croatia, Greece and beyond, helping people move from financial anxiety to financial clarity.

This site is something different. It is where I write without the constraints of a coaching brief or a corporate audience. Long-form analysis, uncomfortable questions, historical parallels that make you look twice. Finance the way it should be discussed — seriously, accessibly, and honestly.