Free Education. Beginner Friendly. No Upsell.
- Looking for free financial calculators?
- Want to understand current financial research without the jargon?
- Wondering whether it’s time to start investing, saving, or budgeting?
- Looking for a free money coach?
- Prefer articles written without AI?
- Looking for a financial education site with nothing to sell you?
If so, you have come to the right place.
Retired at 45. PhD. Teaching it forward — free.
The site is built on the same approach that got me there: consistent, conservative investing — not stock picking or timing the market. The biggest wealth generator is time — in my opinion, it is the most important factor within an investor’s control.
Free Financial Tools
- Compound Growth Calculator↗: See how money can grow over time.
- Retirement Spending Calculator↗: Explore how investments can support retirement.
- Roth IRA Conversion Calculator↗: Explore potential Roth conversion scenarios.
- Net Worth Calculator↗: Determine individual net worth.
- Budgeting App↗: Build & track a family budget for free.
- Explore All Financial Tools↗
Retirement & Financial Independence
- 4% Rule: Explore how to calculate Bengen’s 4% rule & his suggested stock/bond mix.
- FIRE: Examine the past 50 years of results using the 4% rule & a warning to FIRE participants.
- Compound Interest; Making Millionaires: Explore the Rule of 72 & the approximate number of years for a portfolio to double.
- Fees: Explore the impact of fees on a portfolio’s returns.
- Everyday Millionaire: Habits that can lead to being a millionaire.
Simple Investing
- Emotional Barriers: Learn why investing feels intimidating—and how to overcome those barriers.
- Investing 101: Get started today through 3 easy steps.
- Where to Begin: Begin investing with 6 key considerations.
- Picking Investments: How to build an investment mix, including international equities.
- Dollar-Cost Averaging: Considerations for investing over time or with lump sums.
- My Favorite All-Purpose ETF: Investing can be as simple as one ETF.
Videos
- Afraid to Invest?↗ Learn why investing feels intimidating—and how to overcome those barriers.
- How to Start Investing?↗ Watch as we explain some key considerations regarding an investment mix from where to start to account types.
- Picking Investments↗: Beginners can start to learn how to pick investments from target date funds to ETFs.
- Dollar-Cost Averaging↗: A simple strategy that helps investors build wealth over time without worrying about market swings.
- View All Videos↗