Modern Wealth Model is an independent research and education site focused on Bitcoin, Austrian economics, and long-horizon retirement planning. It’s built around three things: free, transparent financial planning tools; Bitcoin and sound-money education at Halving House; and limited consulting engagements for individuals and small businesses thinking seriously about Bitcoin and retained earnings.
Who runs this site
I’m Colin. I write, research, and build the calculators on this site. There’s no team behind the curtain; everything you read here is authored or edited by me, with sources cited and assumptions exposed.
Outside of Modern Wealth Model, I work as an expert advisor through major expert networks including GLG, Catalant, Coleman/VisasQ, Aura, Nextyn, Upwork, Zintro, DE Shaw’s internal network, and Newton-X. The work spans investor due diligence, market structure questions, and consulting engagements with funds and corporates that need an operator’s perspective on a specific industry or strategic question. That advisory work is what funds my time on this site and keeps the calculators free.
I also run SoCal Pitch, a youth soccer information hub covering eight Southern California counties. Different topic, same approach: clear, well-sourced, useful, no upsell at the end.
What I’m trying to do here
Most retirement and FIRE content assumes a 60/40 portfolio, a 4% withdrawal rule, and a dollar that buys roughly the same thing in 2055 as it does today. None of those assumptions have aged well. The site exists because I wanted a place to model the math under different assumptions, including Bitcoin as a real asset class, and to do it without selling anything at the end.
The framing is Austrian-school in its analysis of money and capital, and Bitcoin-aware in how it treats long-duration savings. That doesn’t mean “buy Bitcoin.” It means treating Bitcoin as a legitimate variable in a long-horizon plan, alongside everything else, and letting readers run the numbers themselves.
Editorial standards
- Sources are cited. Where a claim depends on data, the data source is linked. If I can’t source something, I either don’t write it or I flag it as opinion.
- Assumptions are visible. Calculators expose their inputs and the math behind them. Nothing important happens in a hidden formula.
- No price predictions. The site doesn’t tell readers what Bitcoin or any asset will be worth on a future date. The calculators model scenarios; they don’t forecast.
- No hype, no fear. Plain language, calm tone. If a topic is uncertain, the writing says so.
- No selling at the end. The tools are free. There’s no email gate, no upsell funnel, no “premium” version hidden behind a paywall.
- Affiliate links are disclosed. A handful of pages link to products and services I actually use. Those are flagged on the Affiliate Disclosure page.
- Corrections are public. If a reader catches a mistake, I fix the post and note what changed and when.
What this site is not
Modern Wealth Model is not a registered investment advisor and nothing on it constitutes personalized financial, investment, tax, or legal advice. Calculators and articles are educational. For the full legal framing, see the Disclaimer. If you want individualized work, that’s what consulting engagements are for, where scope and disclosures are documented in writing.
How to get in touch
Questions, corrections, consulting inquiries, press, and bug reports all route through the Contact page.