Tools
Run the ideas on your own numbers
The thesis is only useful when it's pointed at your life. These are small, free, no-signup tools for doing exactly that.
Budget Planner
Turn income into a values-based monthly plan, then see whether the budget is buying freedom, autopilot, or both.
Open -> PlannerDebt Payoff Planner
Compare avalanche and snowball payoff paths, estimate your debt-free month, and see what extra payments change.
Open -> CalculatorSavings Goal Calculator
Set an emergency fund or savings target, estimate the date, and see how much runway your current cash buys.
Open -> ProjectorInvestment Growth Projector
Model contributions, returns, inflation, and time so compounding becomes visible instead of abstract.
Open -> CalculatorWhat Is Your Time Worth?
Compute the real hourly rate your salary hides -- then find out whether buying back an hour is a good trade.
Open -> CalculatorSecond Income Calculator
Estimate what a second income really adds after stacked taxes, childcare, commute, work spending, and the hours the job actually takes.
Open -> InteractiveThe Time-vs-Money Curve
An interactive map of the exchange rate between time and money across your life -- and the smart move at each stage.
Open ->Two letters a week. One idea worth your time.
Start with the Two-Currencies Audit, then get the Tuesday practical machinery and the Friday question about what it is all for.
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