2026 Wealth Cliff has arrived. TCJA provisions sunset. Estate exclusion ≈ $7,000,000.

Freedumb Academy

Every way to save, invest, or grow money — explained twice.

44 of 44 lessons fully written so far. Each lesson ships in two voices: an Academic version with IRC / IRS / state-statute citations, and an ELI5 version a 5-year-old can follow. Wait times, regulatory hurdles, and confirmed solutions are called out on every fully-written lesson.

Track · 5/5 authored

Insurance

Term, whole life, universal, annuities — what each does, when each fits, and the math that proves it.

Track · 4/4 authored

Macro & Cycles

Why understanding debt cycles, inflation, and FX changes every allocation decision.