You now know more than
99% of people.

READ2 min · UPDATED
Reviewed against primary sources cited at the bottom of this page.

The system is not broken. It is working exactly as designed, transferring wealth from those who don't understand money to those who do. You just stopped being in the first group.

None of this requires perfection. It requires a decision: to take it seriously, to start where you are, and to keep going. The best time to start was ten years ago. The second best time is today.

THIS WEEK
Open a Roth IRA at Fidelity or Schwab
Set up $20/week auto-buy on River
Move emergency fund to a HYSA
Check your 401(k) contribution rate
THIS MONTH
Buy a hardware wallet once you have $500+ in BTC
Read The Bitcoin Standard
Automate your savings rate before next paycheck
Check your credit report at AnnualCreditReport.com
THIS YEAR
Max your Roth IRA ($7,500, verify at irs.gov)
Get your seed phrase stamped on steel
Eliminate all high-interest debt
Share this guide with someone you care about

"The most powerful force in the universe is compound interest, but only if you start. Every year you wait is a year that growth worked for someone else."

Paraphrasing Einstein, applied to your retirement account

This site is for educational purposes only. It is not financial advice. Do your own research, understand the risks, and consider consulting a fee-only fiduciary financial advisor before making major financial decisions. Past performance of any asset (including Bitcoin) is not indicative of future results.

Send your first Bitcoin transaction

The best way to understand Bitcoin is to use it. Buy a few dollars’ worth on Cash App, River, or Strike, then send a small tip here. You’ll experience it firsthand: no bank, no permission, no waiting, just math and a confirmation.

ON-CHAIN ADDRESS
bc1qvl8uv8sdnkanhk533cjmmxr8vvfng8gkqpnrjk

This site is free. Tips keep it updated. Even a few sats is appreciated, more importantly, you’ll have learned something no textbook can teach.

Last updated 2026-04-14. Not financial advice. Do your own research.

Subscribe via RSS for new articles.