The Lab

Harvest

Sovereign Score

Undeployed

Debt $0 · DTI 0% · Savings Rate 0%

Sovereign Score

—

Enter your income below to begin ↓

Phase 01 Foundation Know your numbers

Your Harvest

Unlocks: Sovereign Score + surplus calculation

Your Chains

Unlocks: Payoff timeline + War Mode

Your Split

Unlocks: Harvest ring + 50/30/20 analysis

Iron Pot Horizon

Unlocks: FIRE number + retirement trajectory

Protection Shield

Unlocks: Full Sovereign Score + complete Playbook

The Sieve

Unlocks: Tax Efficiency score + bracket optimization

The Gauges

Unlocks: Scenario stress tests + siege protocol

YOUR HARVEST

ALL INCOME SOURCES

Household Monthly Income

enter your pay above

Pre-tax deductions ›

Invested before taxes - reduces taxable income and boosts real returns

401(k) / 403(b)

HSA

Other

Total pre-tax: $0 Savings rate: 0%

FUTURE LABOR SOLD

CHAINS TO BREAK

" You're not borrowing money. You're selling future hours of your life at a discount to get money now. — Iron Pot Millionaire, Ch. 3

⛓ Select a debt type to record it

Total Owed

—

Monthly Payments

—

Monthly Interest Burn

—

Wasted This Year

—

Payoff at Min Payments

—

Import

Debt	Balance	Payment/mo	Rate	Interest/mo	Payoff	Priority	⚠ Past Due
No debts cataloged — you're either free, or you haven't started yet

❄️

Snowball

Smallest balance first — wins through momentum

Total interest paid

—

Debt-free in —

Apply this order ›

🌊

Avalanche

Highest rate first — mathematically optimal

Total interest paid

—

Debt-free in —

Apply this order ›

THE HARVEST SPLIT

NEEDS · WANTS · SEED CORN

" Seed corn first, survival second, discretionary last — before touching a single coin. — Iron Pot Millionaire, Ch. 2

Core Survival Costs (Needs — target ≤50% of harvest)

Discretionary Spend (Wants — target ≤30% of harvest)

Phase 02 Defense Protect what you've built

THE IRON POT HORIZON

RETIREMENT TARGET · FIRE NUMBER · COAST DATE

" Without a target, you can't know if you're on track. Most people hit 60 and find out the answer was no. — Iron Pot Millionaire, Ch. 9

TARGET RETIREMENT AGE

When do you want to stop working?

years old

EXPECTED ANNUAL SPEND

In retirement (today's dollars)

Blank = auto-calc from current expenses

EXPECTED RETURN

Average annual investment return

% / yr

Enter your income and age above to activate retirement projections.

THE PROTECTION SHIELD

INSURANCE · RISK · DEDUCTIBLES

" A year of careful saving undone in a single afternoon. That is the nature of an unguarded position. — Iron Pot Millionaire, Ch. 7

LIFE INSURANCE

DEPENDENTS

People relying on your income

people

LIFE COVERAGE

Total death benefit

LIFE NEED

Recommended (10–12× income)

—

DISABILITY INSURANCE

DISABILITY COVERAGE

Monthly benefit if unable to work

COVERAGE RATIO

% of income protected

—

TARGET

Standard recommendation

60–70% of income

DEDUCTIBLE EXPOSURE

If you had to pay all deductibles today, could your emergency fund cover it?

HEALTH DEDUCTIBLE

AUTO DEDUCTIBLE

HOME / RENTERS

HSA ELIGIBILITY

HIGH-DEDUCTIBLE HEALTH PLAN?

HDHP makes you HSA-eligible

Yes No Not sure

CURRENT HSA BALANCE

ESTATE BASICS

DO YOU HAVE A WILL?

Yes No

BENEFICIARIES REVIEWED

401k / IRA / life insurance

Yes, recently No / unsure

Phase 03 Optimization Maximize every dollar

THE SIEVE

TAX OPTIMIZATION · RETAIN YOUR MARGIN

"Structural efficiency — treat the IRS as a business expense to be legally minimized for maximum surplus retention." — Ch. 6

FILING STATUS

INCOME TYPE

OTHER ANNUAL INCOME

Side income, dividends, rental

Enter your income to see your tax optimization picture.

THE GAUGES

SCENARIO PLANNING · STRESS TEST YOUR PLAN

"Panic is a tax on the unprepared. Paul Revere kept cash not because he was rich — because cash enabled options when others had none." — Ch. 4

Enter income and budget data to run stress tests.

Scanning financial OS...

Undeployed

Income

Needs

Wants

Savings

Debt

Min/mo

🪙

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

The Iron Pot

Seed corn & moat — your future self's ammunition

Your Declaration

Complete setup to unlock

Your Age

Real American Finance Lab

Academy Phase Map

Phase 01 Foundation

The Harvest

Wealth Architecture

Debt Neutralization

Iron Pot Horizon

Phase 02 Optimization

Protection Shield

The Sieve

High-Leverage Earning

Jurisdictional Freedom

Phase 03 Sovereignty

Strategic Allocation

Business Acquisition

Antifragility Audit

Perpetual Exit

Household Financial Assessment

Your personalized playbook generates here.

◆

McKinsey-Style Analysis for Your Household

Fill in your income, expenses, debts, and savings in the main dashboard. Your Playbook will generate a bottom-line assessment, a three-pillar diagnostic, a 5-year net worth trajectory, and a phased action roadmap — all from your actual numbers.

1Enter your monthly income above

2Fill in expenses, debts, and savings

3Return here — your Playbook generates automatically

Bottom Line

Enter your information above to see your financial assessment.

Financial Health Score

—

Monthly Surplus / Deficit

—

You work until — of every year for other people.

12 months of labor — allocated

— mo working for others — mo building wealth — mo undeployed

The Move

Loading analysis...

🪙 Iron Pot

Uncommitted — yours

— /mo

of your year

Emergency Fund

—

months covered

Savings Rate

—

of monthly income

Consumer Debt

—

balance

Debt-to-Income

—

monthly DTI ratio

❦

Colonial OS
Iron Pot Millionaire

Real American Finance

THE LAB IS JUST THE BEGINNING.

The budget tool is free. The system that built it — the courses, the community, the strategy sessions — that's The Academy.

ENTER THE ACADEMY STRATEGY BRIEFING

Real American Finance

OWN YOUR
OUTCOMES.

DISCIPLINE · AUTONOMY · WEALTH

You Are Here

The Lab

FREE

✓ Colonial OS Budget Engine
✓ DoFI Priority Action System
✓ Sovereign Score™
✓ Debt Avalanche Calculator
✓ Zero-Based Budget Builder

You're already here. Use it well.

Chains Broken. James Revel Goes Free.

Core Survival Costs (Needs — target ≤50% of harvest)

Discretionary Spend (Wants — target ≤30% of harvest)

Declaration of
Financial Independence

Your Age

THE LAB

Chains Broken. James Revel Goes Free.

Core Survival Costs (Needs — target ≤50% of harvest)

Discretionary Spend (Wants — target ≤30% of harvest)

Declaration ofFinancial Independence

Your Age

Colonial OS Score™

Ask the Advisor

Declaration of
Financial Independence