Tools to understand your money
Free tools for self-directed investors. Each one takes a question you've been circling and answers it with your own numbers.
Practice
Make real investing decisions against market history — no money at stake.
The Investor's Edge: Candlestick & Indicator Practice
Learn to read candlestick charts and indicators through ten levels of interactive pattern-recognition practice on real historical market data.
Time Machine: Historical Paper Trading
Paper-trade real historical markets with $10,000 of virtual cash. See how you actually behave when prices move, and what that tells you about yourself.
Foundations
Core concepts every investor should understand.
Contribution Explainer
See where your long-term portfolio's growth actually comes from — your contributions versus investment returns.
Savings vs Investing
Two different jobs for your money. See which one fits — by purpose, horizon, and the dollar gap between them.
Financial Advice App vs Education App: Which Are You Actually Looking For?
Every money app is doing one of three jobs — deciding for you, executing for you, or teaching you. Six questions to name the category you're actually shopping for.
Who's Accountable for the Money Guidance You Act On?
Money guidance comes from everywhere: advisers, robo-advisors, app nudges, AI chatbots. When it goes wrong, the accountability behind each is different.
Is That Financial Tip Regulated? A Beginner's Source Check
Take one money tip you actually received and walk it through three questions. See whether regulated advice, education, or nothing at all stands behind it.
Hidden costs
What might be eating your returns without you noticing.
Mindset
How you think about money, risk, and time.
Allocation Lab
Walk a 10-year asset allocation, one quarter at a time. See how your decisions compared to your stated plan.
Concentration Mirror: What Your Biggest Position Reveals
Audit your single largest position to surface what your concentration is actually saying — conviction, inheritance, drift, or emotional attachment.
Simplicity Audit: Is Your Plan More Complex Than You Are?
Audit your current investing approach against your actual temperament — surfaces where plan complexity matches you and where it doesn't.
Hype or Thesis? Where This Idea Came From
Audit one investment idea to surface how you actually relate to it: as your own thesis, borrowed reasoning, trust in the source, or a position you've drifted into.
Risk Tolerance vs Time Horizon
See where your gut reaction to risk and your time horizon agree — or diverge.
Your Market-Drop Plan
Turn 'what would I do if the market dropped?' into a personal if-then rule that fits the kind of investor you are — written calmly, in advance.
Panic-Sell Lookback: What Selling in a Crash Actually Cost
Pick the downturn you sold in, mark when you sold and whether you got back in, and see what that choice cost or saved versus holding.
Do You Need a Financial Advisor? Find Your Guidance Style
What kind of financial guidance fits how you decide: told what to do, coached through it, or equipped to do it yourself. A style read, not a product pick.
Analysis Paralysis in Investing: What Would Actually Settle This Decision?
You've done the research and still can't pull the trigger. Six questions to sort what's blocking the decision: a fact, an unknowable, or your sign-off.
Should You Wait for a Dip? Your Getting-In Plan
Money earmarked for investing, still sitting in savings. A few questions to name what it's waiting for, then write the entry rule that ends the wait.
Reactive or Reflective? Which Signals Run Your Investing
Seven everyday moments reveal whether your investing runs on external signals or your own. Name your default and what it costs when it runs unexamined.
Commitment Reminder: Keep the Investing Promise You Made to Yourself
Say your investing rhythm once, in your own words. Mark each period done or skipped, and get one reminder if a period closes unmarked. No account linking, no amounts, no suggestions.