FREE BITCOIN & PERSONAL FINANCE EDUCATION

Your
money
is losing
ground.

The dollar has lost 87% of its purchasing power since 1971[1]. The same paycheck buys less every year. This site explains why, and what to do about it.

Get your money plan → Run a calculator

Prefer to read first? Start with the problem →

NO EMAIL · NO ACCOUNT · NO AFFILIATES · NO ADS · NO COOKIES · TOOLS RUN IN YOUR BROWSER

You don't have to agree with the Bitcoin thesis to use this site. The personal finance content stands on its own. Start wherever fits.

484PAGES 300K+WORDS 96TOOLS ALWAYS FREE
M2 MONEY SUPPLY
$23.1T
Up 49% since Feb 2020[2]
NET INTEREST ON DEBT
>$1T
FY2025, exceeds defense[5]
HOME PRICE / INCOME
5.6×
Was 2.5× in 1971[6]
BITCOIN
21M
Fixed supply. No one can print more.

Start here

All 484 pages and 96 tools are free, and the personal finance content works whether you own Bitcoin or not. Find your path by situation →

// NEW TO THIS
“I need a plan.”

Behind on savings, drowning in debt, or just starting out. Take the 11-question quiz and get a personalized order of operations.

TAKE THE QUIZ →
// OPTIMIZE
“I have money. Where does it go?”

Roth vs Traditional, tax-loss harvesting, asset location, 401(k) optimization, and the order that matters at every income level.

ORDER OF OPERATIONS →
// BITCOIN & SOVEREIGNTY
“Why Bitcoin? How do I hold it?”

The honest case, how to buy, self-custody, hardware wallets, and the five sovereignty levels from exchange to multisig.

THE BITCOIN GUIDE →
MORE STARTING POINTS (12) ▾
“Something is urgent. I need help now.” “I’m behind and stressed about money.” “I’m just getting started.” “I own Bitcoin on an exchange.” “I want to understand the monetary system.” “I just started earning real money.” “I’m 10–15 years from retirement.” “I work for myself.” “I earn too much for a regular Roth IRA.” “I have kids and no idea where to start.” “I have debt and don’t know the order.” “I keep hearing about Bitcoin. Is it real?”

Run the numbers yourself

DCA Calculator
Pick any year. Put in a dollar amount. See what consistent buying would have returned.
TRY $50/MO × 10 YEARS →
Tax Estimator
W-2, self-employment, Bitcoin, dividends. See your federal + state liability in real time.
2026 BRACKETS →
Bitcoin Retirement Planner
Your age, your DCA amount, your target. See the stack across four scenarios.
AGE 35 → STACK AT 65 →
FIRE Calculator
Enter your annual expenses. See the portfolio size you need and how long to reach it.
YOUR FIRE NUMBER →
Debt Payoff Calculator
Enter what you owe. Find out whether to pay it down or invest, the math tells you the answer.
INVEST OR PAY DOWN? →
Sat Converter
Type a dollar amount. See exactly how many satoshis that buys right now.
$100 → SATS →
SOURCES (6) ▾
  1. U.S. Bureau of Labor Statistics, CPI Inflation Calculator, bls.gov
  2. Federal Reserve Economic Data (FRED), M2 Money Stock (M2SL), fred.stlouisfed.org
  3. Satoshi Nakamoto, Bitcoin Whitepaper (2008), bitcoin.org/bitcoin.pdf
  4. CoinGecko historical price data, coingecko.com
  5. CBO Monthly Budget Review FY2025; House Budget Committee, budget.house.gov
  6. U.S. Census Bureau, Median Home Price & Household Income, census.gov

Last updated 2026-07-02. Not financial advice. Do your own research.

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