Income
$0
Moat Growth
$0
Colonial OS Score
--
Chains (Debt)
$0
Seed Corn %
0%
DTI
0%
01
YOUR HARVEST
Monthly Income
📖 Ch. 2
Free
"The smart farmers sat down with that pile of harvest money and divided it into buckets with ruthless discipline — before touching a single coin."
Iron Pot Millionaire, Ch. 2 — Scarcity Brain vs. Amazon Prime Brain
🪙
Margaret Hutchinson
Philadelphia Widow, 1772 — Died with $2.4M in an iron pot
"She made roughly $18,000 per year running a boarding house. She never got a raise. She never had a windfall. She just kept her harvest and spent less than she earned."
Pre-tax deductions (optional)
Investments that come out BEFORE your paycheck hits your account
Total Pre-Tax: $0
Savings Rate: 0%
Monthly income: $0
Enter your paycheck to begin
02
FUTURE LABOR SOLD
Debt Tracking
📖 Ch. 3
Free
"When you take on debt, you're not borrowing money. You're selling future hours of your life at a massive discount to get money now. The borrower is slave to the lender."
Iron Pot Millionaire, Ch. 3 — When Debt Meant They Literally Owned Your Ass
🖋️
Benjamin Franklin
Philadelphia, 1730 — Retired wealthy at 42 on $50K/year equivalent
"Rather go to bed without dinner than to rise in debt. Think what you do when you run in debt: you give to another power over your liberty."
Let's Talk About Debt
Understanding your debt is the first step to financial freedom.
Do you currently have any debt?
Include credit cards, student loans, car loans, mortgages, personal loans, etc.
❄️
Snowball
Smallest balance first – quick wins for motivation
—
Total interest: —
Click to apply ›
🌊
Avalanche
Highest interest rate first – saves the most money
—
Total interest: —
Click to apply ›
Emergency (>25%)
High (15-25%)
Medium (7-15%)
Low (<7%)
| Type | Balance | Payment | Rate | Monthly Interest | Time to Payoff | Priority |
|---|
Interest estimates use daily calculation (30-day month) for most debt types. Mortgages use simple monthly.
03
THE HARVEST SPLIT
Monthly Budget
📖 Ch. 2
Free
"The colonial farmer allocated his harvest before touching a single coin: seed corn first, survival second, discretionary last. The budget isn't about deprivation. It's about forcing your brain to see trade-offs it currently ignores."
Iron Pot Millionaire, Ch. 2 — The One-Harvest Rule
🐴
Paul Revere
Boston Silversmith & Patriot — Kept liquidity through crisis
"Revere maintained cash reserves through every crisis of the Revolution. When opportunity arrived, he was the only one who could move. Liquidity isn't cowardice — it's the weapon that waits."
⚔️
SIEGE PROTOCOL
Eliminate discretionary — break chains faster
Core Survival Costs (Needs — target ≤50% of harvest)
Discretionary Spend (Wants — target ≤30% of harvest)
Harvest Allocation
› Scanning financial OS...
Moat Growth
$0
INCOME
$0
SEED CORN
$0
GOOD DEBT
$0
NEEDS
$0
WANTS
$0
Future Labor Sold
YOU OWE
$0
PAYMENT/MO
$0
DEBT-FREE IN
—
INTEREST/MO
$0
LABOR-HOURS LOST TO INTEREST/YR
—
🩸 Servitude Cost (Interest)
DAY
$0
MONTH
$0
YEAR
$0
The Iron Pot
Your saved & invested assets — seed corn + moat
Your Chains vs. Average
...
Add debt to see where you stand
🪙
The Book Behind The Lab
Iron Pot Millionaire
"A single widow running a tiny boarding house in 1772 had saved two point four million dollars. In cash. In a pot. In a hole under her fireplace."
— Iron Pot Millionaire, Foreword
This tool is the companion app to the book. Every metric you see here is built on colonial principles that turned illiterate farmers into landowners.
Get the Book
❦
In Congress
Declaration of
Financial Independence
✦
Your path to sovereignty
begins here
CLICK TO DECLARE →
❦
Your Age
Achievements
The Protocols
Advanced modules from Iron Pot Millionaire
The full Colonial OS stack — launching progressively. Phase 01 complete, Phase 02 in development.
⛈️
The Black Swan Protocol
Ch. 4 · Liquidity — Phase 01
Paul Revere's Principle
50% income drop codified cold
"Liquidity is king. Revere kept cash because cash enables opportunity."
⚖️
The Sieve — Tax Minimization
Ch. 6 · Income Stacking — Phase 02
Structural Efficiency
22% → 18% bracket shift
"Franklin made £300/yr and kept £150. He taxed himself first."
📈
The Iron Pot Projection
Ch. 7 · Index Funds — Phase 02
6-Month Harvest View
Iron Pot +$2.1k trajectory
"The colonial farm didn't speculate. It compounded. Year after year."
Premium Tier: Phase 01 Complete + Phase 02 Modules
Scenario planning, tax optimization, cash flow projection — tools launching progressively
Phase 01 free tools remain yours forever • No credit card for basic dashboard
Dynasty Building
Chs. 8–10 · Real estate, legacy, and generational wealth
"Leave a legacy, not debt." — Phase 03 sovereignty stack: ownership, compounding, and dynasty protocols.
🏚️
The Widow's Real Estate Protocol
Ch. 8 — Assets must pay you. House-hacking to dynasty.
🌾
The Colonial Farm — Index Protocol
Ch. 7 — Compound without gambling. The original index fund.
🪙
Colonial Crypto — Hard Assets
Ch. 9 — Gold, silver, and the iron pot hedge.
📜
The Legacy Protocol
Ch. 10 — Don't die like Jefferson. Build what outlasts you.
