About Fiat Is Fake.
What this site is and how it is built.

Section 1 · What this site is

Fiat Is Fake covers personal finance and Bitcoin. Most financial education either ignores Bitcoin or treats it as speculation. Most Bitcoin content ignores traditional personal finance.

The central thesis: understanding how money works (how it is created, who controls it, what it is worth over time) makes every other financial decision clearer.

I am Bitcoin-focused but not Bitcoin-only. Roth IRAsIndividual Retirement Account (IRA)A retirement account with tax advantages and eligibility rules. Traditional IRA contributions may be deductible; taxable withdrawals generally enter income. Roth contributions use after-tax money, and qualified Roth withdrawals are tax-free.Full definition, 401(k)s, index funds, debt payoff, and insurance all matter. I cover them with the same rigor.

Section 2 · How it is funded

This site has no advertising, no paywall, no affiliate links, and no sponsors. Nothing on it is monetized. It is funded out of pocket, and by nothing else.

• No product on this site pays to be here. Every recommendation exists independent of any commission, because there are no commissions.
• No ads, no email capture, no “sign up through our link.” If a link ever pays the site, it will be disclosed on that page before you click, but today none do.

If you find a page useful, sharing it is valuable.

Section 3 · Editorial philosophy

Steelman the opposing view

Every section arguing for Bitcoin includes the strongest case against it. Every section critical of fiat includes the legitimate arguments for the current system. If I cannot articulate the other side's best argument, I have not understood it.

Verify everything

Claims require sources. Sources are cited with verify badges throughout the site. When I cannot verify something, I say so explicitly rather than asserting confidence I do not have.

Plain English

Jargon is defined on first use. Tooltips throughout the site provide quick definitions. I do not use words to signal sophistication; I use them because they are precise.

Honest about limitations

I do not know what Bitcoin will be worth. I do not know exactly when Social Security will face cuts. I say that explicitly rather than projecting false certainty. Where the projections come from named institutions (CBOCongressional Budget Office (CBO)A nonpartisan federal agency that provides economic and budget analysis to Congress., IRS, SSASocial Security Administration (SSA)The federal agency that manages Social Security retirement, disability, and survivor benefit programs.), I cite them.

How pages are organized, sourced and reviewed

Where pages live. Every guide has one home in the menu: Start Here, Personal Finance, Investing & Retirement, Bitcoin, How Money Works or Tools. Guides link across sections where topics meet.

Page labels. The label above most titles names the kind of page: Overview (the main page on a topic), Start here, Step-by-step guide, Explainer, Comparison, Advanced, Situation guide (a life stage, event, job or country), Data and charts, Checklist, Calculator, Topic hub, Reference, or Perspective. Perspective pages argue a position, including the site's case that fiat money is the underlying problem and that Bitcoin is the better alternative. The facts they use are sourced; the conclusions are the site's view, not settled fact.

Sources. Claims link to evidence in two ways: "verify" badges next to a claim, which open a "Don't trust, verify" panel naming where to check it, and bracketed numbers that jump to the numbered source list at the bottom of the page. A page may use either or both; some pages give only the source list. The source list comes after the guide and any next steps, and most entries name the publisher and the document. The list can also include background sources that no single claim links to.

Dates. "Updated" is the date the page's content last materially changed; it is not moved forward to make a page look fresh. Pages with tax-year figures name the year. Pages whose figures change often (rates, prices, fees, product terms, laws in motion) carry a note to confirm the current figure before acting. Live market figures say whether they are live or the last saved value.

Checks and corrections. Material corrections are logged, with dates, on the Disclosures page, including the full-site fact-check of 2026-09-24. Cited links are checked for dead sources; a link check is not a fresh review of every figure on the page. The link at the bottom of every page opens an email with that page's address filled in, for anyone who finds an error.

Section 4 · This is not financial advice

Everything on this site is education. Your situation is specific and may require a specific professional who knows it (CPA, CFP, attorney). The content here informs your decisions; it does not make them for you.

See Disclosures for the full legal framing.