Ben Sinclair

Hey! I'm Ben. I’m a Christian, husband, father, son, friend  and I work at I'm passionate about finance and technology. These writings are for me, however, maybe they’ll be interesting to others. Thanks for stopping by!
January 24, 2023

Take action and ignore excuses

There are millions of great ideas in the world today. There are many problems that these same ideas could solve. But most of these ideas aren’t acted upon. It’s easy to find an excuse as to why you don't have enough time, talent or money to pursue an idea. If you want to become wealthy and you have an idea that solves a problem that co...
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January 23, 2023

You’re not going to be rich if you only work a job

If you look at all the wealthy people out there today, I'm talking about those with real wealth, most do not work for someone. They have a business or other assets creating an income. A lot of people with jobs look wealthy. They drive nice cars, live in big houses and wear nice clothes. But as the authors of The Millionaire Next Door d...
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January 22, 2023

Educate yourself, especially in finance

I never finished school, in fact I left in grade 7. I completed grade 10 maths and english at an adult community education center. I never went to college. So one might think education isn't important to me? The opposite is true. Education is everything. When I was in my early teens, I educated myself in how to write code and that paid...
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January 21, 2023

You don’t need money to become wealthy

I came from a family with a dad who was an entrepreneur and a mum who was a stay-at-home mum. We didn't have much money and when it did come in, it didn't last long. My family didn't have a strong financial education. I was a poor kid with nothing who then became a self-made millionaire before the age of 30 with the help of my wife Jen...
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January 20, 2023

Tax law can be fun!

When my wife and I sold our business back in 2018, we engaged an expert to ensure we reduced as much tax as we could legally. We didn't go with an accountant but a hard-core tax law firm that charged the big bucks. And you know what, it was worth every cent. They literally saved us close to 7 figures in tax. That to me is an important ...
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January 20, 2023

Do what you love and the money will follow

It has been my experience that money follows someone doing something they love. Another way to put is it doing something they are passionate about. I'm sure the same can be true doing something one doesn't love, but I'm sure the enjoyment factor is much less. The focus is more on the money (end result) than the building (the journey). ...
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January 19, 2023

My experience with financial planners

Financial planners are a great way to organize your life to meet your financial goals. Having a financial planner who has done it all before and has the wisdom and knowledge to help you navigate your unique journey can make a huge difference in your life. Tip #1: Ensure your financial planner has in fact done it all When you interview ...
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January 19, 2023

Managing your finances intelligently

I'm going to be upfront and say that managing your finances takes work and discipline. If you're not willing to put in the time to manage your finances, you might wake up one day and realise that you don't have enough to retire on. Inflation is a good reason to take control of your finances but honestly, finances should be managed no m...
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January 2, 2023

2023, a year to be intentional

Below are some areas I want to be very intentional in throughout 2023. With my faith... I want to grow in my relationship with God and spend time with him daily. I want to be closer to him in a year than I am now. With my wife... I want to prioritise date nights, have getaways without the kids and support her better in parenting and he...
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December 22, 2022

10 years of no social media, kind of

Coming into 2023 marks 10 years of me not being a social media junkie like practically everyone in the world. I don’t have a personal Facebook account, Instagram account and never have I ever downloaded anything else that came after. I’m telling a slight white lie though... although not a regular user, I’ve had some interactions with s...
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December 21, 2022

True forgiveness

I learned recently what true forgiveness was. Forgiveness is totally about the person who is doing the forgiving. Holding onto un-forgiveness is like a rotten apple in a barrel of good apples. Forgiveness is more than you saying you forgive someone. It’s you making a decision to not hold whatever it was they did to you (knowingly or no...
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December 20, 2022

When everything seems worse

Notice that everything seems worse when you’ve had a fight, feel low or sad about something? These are NOT moments to make big decisions. Write it down if that helps and then wait for the feelings to pass. Then relook at the doomsday feeling and you’ll generally find it actually wasn’t that bad, if at all. -Ben
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December 19, 2022

On being kind to yourself

We can be our own biggest critic. I know I am. I was wondering recently whether or not I am giving enough time and attention to my children. Some nights I’m so exhausted that the thought of spending an extra 5 minutes playing before bed is massive. Is it ok to feel that way sometimes? Yes! It’s ok to sometimes be a bit low or not motiv...
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December 18, 2022

How much is enough?

This is an incredibly hard question to answer but a good one to ponder on. When does one have enough? Money, possessions, acquaintances, experiences, and so on. The thought that comes to my mind is what does “more” cost? Time, relationships, money, joy, anxiety, and so on. Does the “thing” outweigh the cost? Those with a longer time pr...
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December 17, 2022

Favorite books as of 2022

Audiobooks and podcasts have been a lifesaver for me as someone who hasn't liked to read text so much in my life. I've managed to consume a lot more content audibly. Below is a list of my favorite books as of 2022. These are books that I felt impacted my thinking and life in some way. Religious • The Bible (NLT) • The Bondage Breaker •...
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December 16, 2022

All fiat money is debt

I’ve been listening to an awesome book called The Creature from Jekyll Island recently and it’s been fascinating learning about the Federal Reserve and related entities. One point I was reminded by the book was that when you take out a loan from the bank, they create the money out of thin air. That’s right, the money didn’t exist. When...
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December 15, 2022

Heart knowledge

The world is full of information. We can learn and become experts at anything we set our minds to. You can have all the head knowledge that you can fit into your brain but it’s through experience where that knowledge is really solidified within us. That’s when it converts to what I call heart knowledge. What we experience and go throug...
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December 14, 2022

Wisdom is applied knowledge

You know the saying “actions speak louder than words”? You might know what to do (knowledge), but do you do (apply) it? -Ben
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December 6, 2022

Giving is a gift

As a Christian, we are required to give. God gave so much to us, how could we not? I gave away something today to a complete stranger and boy did it make me feel good. I struck up a conversation with an older gentleman in line to receive a gift card. I asked him how it worked and he told me if someone spends over a certain amount at th...
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December 4, 2022

My testimony

Today I shared part of my testimony at my church which has encouraged me to write it down. Here goes... I was born into a Christian family. My parents were a part of the Anglican church before having children. My dad met a lady who was miraculously healed of cancer and she gave him a booklet with 7 steps to obtaining the gift of the Ho...
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November 29, 2022

My startup business story

It's been a joy looking back at the last 20 years of my experience where I co-founded one business and founded a second on my own. Both were self-funded and both were sold. I never had the intention of selling, it just fell into my lap. Each attained different levels of success and brought with it a lot of wisdom, knowledge and talent ...
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November 27, 2022

We get good at the things we practice

The more you do something, the more experience you have with it. You can do things badly for sure so it’s not perfect. Question…. What do you practice often vs what do you want to be good at? -Ben
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November 27, 2022

Synchronous vs asynchronous remote work

At our recent all-in meeting with the Australian team at, we had a constructive discussion about what it's like working for an international company. This got me thinking. The bottom line is, running a remote international synchronous (RIS) company is hard. The hard part revolves around the word "synchronous". I define an RIS ...
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November 26, 2022

Why every Christian should do the Freedom in Christ course

My church ran the Freedom in Christ course recently. I'd seen it before and as someone who'd been a Christian my whole life, never even stopped to consider it. My amazing wife suggested I attend it as I wasn't in the best place due to events that had occurred over the last 2 years. I agreed to do it without thinking much of it. After a...
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November 25, 2022

Bitcoin and the bear market

I got into cryptocurrency in 2021 like many others. The excitement, the adrenaline rush and the hopes for riches out of nothing was all so alluring. Bitcoin to $100k! I definitely got caught up in the hype and to be honest it was a little bit of an escape from what I was dealing with. I went deep down the rabbit hole and consumed hundr...
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November 24, 2022

Happiness comes from wanting what we have

“The world's concept of happiness is having what we want. However, never has there been a society where people have so many things yet are so unhappy. Happiness isn't about having what you want. It's about wanting what you have. As long as you're focusing on what you don't have, or what you can't do, you'll be unhappy. But when you beg...
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November 23, 2022

Don't do what feels right now

I saw an ad for a local university/college on a bus stop that read something along the lines of "do what feels right now" when choosing a course to pursue. In a similar vein, I was also reading a health and wellness book (written by a millennial of course) and it was suggesting that if you're not enjoying your job or your partner right...
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November 22, 2022

Tough times = character growth

I've been participating in the Freedom in Christ course that was held at my church recently. Definitely a top 10 best decision in my life to do this course. Something Steve Goss mentioned in the last session around tough times really resonated with me. “If we don't come out of a tough season changed for the better, it would have been w...
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November 21, 2022


At our recent company all-in, someone in their 3-minute lightning talk shared about an acronym called NEAT which really caught my attention. “Non-Exercise Activity Thermogenesis (NEAT) is the energy expended for everything we do that does not include sleeping, eating, or exercise; and ranges from simple things like standing and fidgeti...
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November 20, 2022

What you prioritize, you do

You always have time to do the things you want to do. It always comes down to what you prioritize. What you prioritize, you do. Quick example. If you prioritize an extra 30 minutes of sleep over exercise, then you will sleep. If you prioritize waking up 30 minutes earlier and doing exercise, then you will exercise. Take responsibility ...
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