FITools Handbook

This is a practical guide to building financial independence — from choosing a career to retiring well. It covers the things that actually matter and skips the things that don’t.

We’re direct. We’re opinionated. We think most financial advice is either too complicated, too vague, or designed to sell you something. This handbook is none of those things. It’s free, it’s honest, and it’s built by someone who’s lived every stage — from first paycheck to portfolio income.

Nothing here is financial advice. It’s education. What you do with it is up to you.

Explore the Handbook

Investing Fundamentals

Index funds, asset allocation, and keeping costs low.

Financial Independence

Savings rates, the 4% rule, and buying back your time.

Options Income

Covered calls, cash-secured puts, and the wheel strategy.

Career

Trades, AI-resilient fields, and surviving corporate life.

Retirement Planning

Medicare, withdrawals, estate planning, and finding an advisor.

FITools Product Docs

Account setup, trading workflows, and API reference.

Not sure where to start?

Pick your path

• New to investing? Start with Investing Fundamentals — it covers the basics that 90% of people need and nothing they don’t.
• Want to retire early? The FIRE section breaks down the math, the mindset, and the tradeoffs nobody talks about.
• Already investing, want income? Options Income covers covered calls and cash-secured puts for people who own stocks and want to generate income from them.
• Choosing or changing careers? The Career section covers trades, AI-resilient fields, and surviving corporate life.