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.
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.
Where are you right now?
Pick the card that fits your situation. All 347 pages and 65 tools are free. The personal finance content works whether you own Bitcoin or not.
“I’m behind and stressed about money.”
Credit card debt. No savings. Paycheck to paycheck. Start with the fundamentals, zero judgment, zero jargon.
Start with zero-to-one →“I’m just getting started.”
Some income, some savings, never invested anything. Not sure where to put money or what accounts to open first.
Take the 11-question quiz →“I own Bitcoin on an exchange.”
You bought BTC on Coinbase, River, or Robinhood. It’s still there. That’s counterparty risk.
Get off the exchange →“I want to understand the monetary system.”
You know the basics. Now you want the Fed, the national debt, the petrodollar, and Bitcoin’s role in all of it.
How money works →“I just started earning real money.”
First job, first 401k, first real paycheck. Not sure what to do in what order.
The order of operations →“I’m 10-15 years from retirement.”
Your savings are real now. Roth conversions, Social Security timing, Medicare, and sequence of returns risk all matter.
Retirement planning →“I work for myself.”
1099 income, self-employment tax, no employer benefits, irregular cash flow. The rules are different.
Self-employed finance →“I earn too much for a regular Roth IRA.”
Backdoor Roth, mega backdoor, NIIT, IRMAA, Roth conversions, and tax bracket management.
High-income tax strategy →“I have kids and no idea where to start.”
529 accounts, custodial Roth, life insurance, and making sure you save for retirement before you save for college.
Parent financial planning →“I have debt and don’t know the order.”
Credit cards, student loans, car payments. Not all debt is equal. Here is the payoff order that works.
The debt framework →“I keep hearing about Bitcoin. Is it real?”
The honest case for it, the honest case against it, and what to do if you decide it makes sense.
The honest Bitcoin page →Run the numbers yourself
SOURCES (4) ▾
- U.S. Bureau of Labor Statistics, CPI Inflation Calculator, bls.gov
- Federal Reserve Economic Data (FRED), M2 Money Stock (M2SL), fred.stlouisfed.org
- Satoshi Nakamoto, Bitcoin Whitepaper (2008), bitcoin.org/bitcoin.pdf
- CoinGecko historical price data (BTC CAGR, 10-year trailing), coingecko.com
Last updated 2026-04-17. Not financial advice. Do your own research.