It Pays to Think Independently

The Independent Thinking is the flagship newsletter of Factual Money. Each edition delivers reflections on business, finance, and independent thinking — helping readers earn more, build multiple income streams, invest wisely, and design their future in precise detail.

With more than 400 editions published over seven years, it challenges assumptions, questions conventional models, and exposes recurring traps that waste time, drain capital, and compromise family wealth.

Drawing on real-world experience, the newsletter distills business and financial lessons for leaders who value freedom, independence and independent thinking.

Reader Voices

“Notorious knowledge in the field, inspiring, awesome.” — Executive
“Excellent newsletter, I read all the editions.” — Attorney
“Rational and surgical.” — Entrepreneur
“A little weekend reading: Marcelo Marini wrote about the difference between investors thinking for themselves versus just blindly following the crowd” — The Berkshire Beat

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Editorial Approach

We don’t give stock tips or model portfolios. Instead, we focus on the fundamentals of business and finances, independent thinking, and disciplined decision-making. The goal is not to follow the crowd, but to think critically and act with clarity.