A complete beginner-to-advanced curriculum with live calculators built inside the lessons themselves — not video lectures, not theory. Every formula is built twice and cross-checked before it ships, and claims are cited to primary sources inside the lesson, where you can open them.
Monthly compounding. A projection, not a guarantee — real market returns vary year to year. This is one of 44 calculators built into the course.
Why 7%: with dividends reinvested, the S&P 500's annualized total return since 1926 has been roughly 10.5% before inflation and about 7% after it — S&P Dow Jones Indices data, inflation-adjusted using U.S. Bureau of Labor Statistics CPI. That is a long-run average, not a promise, and single years swing far wider. Move the slider to model your own assumption.
A dedicated dashboard of the tools you genuinely use to decide something: pay down debt, compare loans, size an emergency fund, work out whether buying a home makes sense. Every one of them built to the same standard.
Each level assumes only what the level before it taught. You start not knowing what a budget is and finish building an estate plan — with no gap between lessons wide enough to lose you.
The basics, done properly. Money, budgeting, debt, credit and interest — explained from zero, assuming nothing.
Where money starts working. Net worth, taxes, index investing, retirement accounts and the real math behind renting versus buying.
The material that usually costs an hourly consultation. Portfolio construction, tax strategy, real estate, business structures and legacy planning.
Knowing it once isn't knowing it. Four stations built on interleaved practice and spaced repetition — methods grounded in learning research, not memory tricks.
Test your masteryEight modules on the forces that move your money and the market you invest it in, arranged as a timeline: how currencies have failed, who runs the dollar, how we paid and how we pay now, the digital money being built on top of it all, how the stock market works, and finally Bitcoin — what it is and how it reached Wall Street. Each one stands on its own, but each builds on the ones before it, so taking them in order is clearest. Every claim cited to primary documents: SEC filings, Federal Reserve data, court rulings, official bank disclosures.
Rome, Weimar, Hungary, Yugoslavia, Zimbabwe, Argentina and Iran — exactly what failed each time, and which warning signs appeared before the collapse.
Open moduleWho owns it, who decides, how money is created and who genuinely holds U.S. debt. Written in a myth-versus-fact format against official Fed data.
Open moduleCash, personal checks, charge cards and the building of the Visa and Mastercard networks — the era when paying meant handing something over. Who really pays for your card, and what happens when a payment goes wrong.
Open moduleACH, wires, FedNow, PayPal, tap-to-pay, buy now pay later and stablecoins — the era when paying means sending an instruction. How anyone knows it's really you, and whether the money can come back.
Open moduleStablecoins, central bank digital currencies and verified nation-state adoption. Announcement versus reality — both sides, with no token to sell you.
Open moduleWhat a share of stock genuinely is, how a trade clears in real time and the honest difference between an index fund and an ETF — plus what genuinely moves a price up or down.
Open moduleWhy Bitcoin appeared in 2008, what a blockchain actually is, how keys and wallets work and where they go wrong — and the strongest arguments against it, taken seriously. Explained, not sold.
Open moduleHow Wall Street went from keeping Bitcoin at arm's length to offering it to clients: the court case that opened the door, the regulatory machinery and which bank did exactly what — according to their own disclosures.
Open moduleMore educational modules are in the works. Check back soon for what's next.
Every calculator is held to the same standard before it ships: each function is independently reimplemented from the source rules, then cross-checked against the original — and against IRS publications, industry-standard formulas and known reference values.
A second implementation is written from the source rules and run against the first across the full range of numbers a learner might enter, from a first budget to a six-figure portfolio.
The institutional modules cite SEC filings, Federal Reserve data, court rulings and official bank disclosures — inside the lesson, where you can check them, not in a bibliography at the end.
Where a topic is contested, it's presented as contested. Snowball versus avalanche is taught as a genuine trade-off, not a mandate. Projections are labeled as projections.
We're putting the finishing touches on the free tier and the full curriculum. Check back soon — the course content and structure are already complete.
In the meantime, browse the full curriculum and context modules on this page to see exactly what each tier includes.
View the CurriculumTallyBright is educational material, not personalized financial, tax or legal advice. The calculators produce projections based on the figures you enter. Figures tied to a tax year are updated when the IRS publishes the following year's adjustments.
No. Level 1 starts with what money is and why it holds value. Each lesson after that assumes only what the one before it taught. If you already handle budgeting and debt comfortably, you can start at Level 2 without missing anything.
You read a short lesson, and where it teaches something you can calculate, the calculator sits right there in the page — you put your own numbers in before moving on. Quizzes explain both correct and incorrect answers, so a wrong guess still teaches you something. It reads just as well on desktop, tablet and phone.
Every calculator is held to the same standard before it ships: each function is independently reimplemented from the source rules, then cross-checked against the original and against IRS publications, industry-standard formulas and known reference values. They remain planning tools: they produce projections, not guarantees.
No. None of the modules that cover crypto — How We Pay Now's stablecoin chapter, The Digital Money Era, What Is Bitcoin? and Bitcoin on Wall Street — promotes a token, exchange or product, and they take funding from none. They cite primary sources — SEC filings, court rulings, government records and official bank disclosures — and The Digital Money Era, What Is Bitcoin? and Bitcoin on Wall Street set out the case for and against.
The complete Level 1 course is available in Spanish, with all ten lessons and the calculators, and so are the When Money Dies, How the Federal Reserve Works, How We Paid, How We Pay Now and Stock Market 101 context modules and the full Tools dashboard. Levels 2 and 3 and the remaining context modules are currently English-only — more are being translated.
Thirteen modules, one hundred six lessons and forty-four calculators — from your first budget to a complete wealth plan.