Your wealth. Your plan. Your education.
Conservative financial planning tools, sound money education, and consulting grounded in transparent assumptions and long-term thinking.
What Modern Wealth Model is
Modern Wealth Model is a personal-finance site built around three things that don’t usually fit together cleanly: a set of free retirement and FIRE calculators that take Bitcoin seriously as an asset class, a plain-English education library on money and Austrian economics, and a small consulting practice for people who want help applying it all.
We’re not a brokerage. We don’t sell products. We don’t run ads on the calculators or gate them behind email forms. The math runs in your browser, the assumptions are visible, and the methodology pages spell out what we model and what we don’t.
The framing is sober. We don’t predict Bitcoin’s price, we don’t tell you to put everything in BTC, and we don’t pretend the four percent withdrawal rule was designed with volatile assets in mind. Where we have a strong view, we say so. Where the data is uncertain, we say that too.
Who built this
Modern Wealth Model is run by Colin Reed, MBA. The work spans corporate strategy at the VP level, GLG expert advisory engagements across finance and supply chain, and a personal Bitcoin allocation history that goes back to 2017. The consulting practice operates as Modern Wealth Consulting, with engagements ranging from one-time strategy calls to multi-week planning projects.
The sound money education arm of the site is written under the pen name Creed Aureus. Same author, different lane. The pen name keeps the personal-finance and the sound-money writing visually distinct without pretending they come from different people.
Three ways to use this site
Free planning tools
Six retirement calculators graded by complexity. Start with the Bitcoin Simplified calculator if you want a quick look at what a BTC stack target does to a retirement timeline. Move up to the Multi-Asset FIRE Intermediate when you have 401(k) and IRA balances to model. The Advanced FIRE calculator covers thirty-five asset classes including private real estate, annuities, and the Trump 401(k) Beta program. Every calculator runs locally with no email gate.
Sound money education
Halving House is the educational arm, with forty-nine articles across six categories: Explain It Like I’m 5 for the basics, Sound Money Basics for Austrian economics fundamentals, Smoke and Mirrors for how central banking actually works, What Is Money for the conceptual foundations, History of Money for the historical arc, and Infographics for the visual references. The reading order is suggested but optional. Start anywhere.
Consulting
For individuals planning a Bitcoin retirement and organizations evaluating Bitcoin treasury strategy, the consulting practice offers three packages: a thirty-minute strategy call at three hundred dollars, a ninety-minute planning session with written summary at seven hundred fifty, and a full plan with custom six-to-eight page document at fifteen hundred. Fixed prices. No assets-under-management fees. No commissions. No product sales.
Featured calculator preview
The Bitcoin Future Wealth Calculator is the flagship tool. It takes current holdings, monthly DCA contribution, retirement timeline, and a chosen growth scenario. Output is inflation-adjusted future value plus the four-percent safe withdrawal rate breakdown. Optional toggles include the Power Law growth model (Bjarne Hagen’s framework) and live BTC price prefill from CoinGecko.
A worked example: someone holding two BTC today, contributing five hundred dollars per month, planning a twenty-year window at the base scenario, projects a real-return value of roughly four BTC plus accumulated DCA. The exact number moves with each input. The point of the tool is to show you the sensitivity, not to predict the future.
Recent writing
- Power Law vs CAGR: Two Ways to Model Bitcoin’s Long-Horizon Growth — A side-by-side of the two most common Bitcoin projection models, when each one is appropriate, and where both break down.
- Pizza Party Inflation: How $20 Buys Fewer Slices Each Decade — A kid-friendly walkthrough of dollar debasement using pizza slices as the unit of account.
- California Bitcoin Tax Filing: Cost Basis, Lot Identification, and the Timing Gotchas That Catch Filers — The third in our California series. Covers the four lot-identification methods and the residency-rule edge cases that trip up Bitcoin filers in CA.
- Bitcoin Retirement Strategies for 2026: A Framework for Conservative Planners — Long-form framework piece. Defines what “conservative” actually means when one of your portfolio assets is volatile by design.
On methodology
Every assumption built into the calculators is documented. The methodology page covers the real-return derivation, the Trinity Study background for the four percent rule, the inputs to the Power Law model, and the explicit list of what we don’t model (volatility distribution, sequence-of-returns risk, tax drag, healthcare inflation, Social Security). The data sources are FRED, BLS CPI, CoinGecko, and primary regulatory and academic publications. Where we cite something, we link to the original.