From Financial Confusion to Financial Independence—In 4 Steps
No jargon. No judgment. Just a personalized path to freedom.
Start Your Free Assessment →Your Path to Financial Independence
Discover Where You Stand
- ✓Take the Financial Fitness Strength Test (10 min)
- ✓Get your FIRE readiness score across 6 pillars
- ✓Understand your starting point—no account required
Find Your Path
- ✓Pipeline Suggestion Tool matches income strategies to YOUR life
- ✓Based on your capital, time, skills, risk tolerance, and goals
- ✓See exactly what fits—and what doesn't
Build Your Plan
- ✓Use specialized tools (Dead Equity Dashboard, Emergency Fund Builder, FIRE Plan Builder)
- ✓Get personalized action steps—not generic advice
- ✓Track progress with gamified milestones
Stay on Track
- ✓Ask Prippa: Your AI financial coach available 24/7
- ✓Dashboard tracks your journey to financial independence
- ✓Celebrate wins, course-correct when needed
What Makes Us Different
“We don't just help you manage money—we help you design a life where money works for you.”
Your Toolkit
Six free tools designed to work together.
Financial Fitness Test
Know your score
Pipeline Suggestion Tool
Find your income path
Dead Equity Dashboard
Unlock trapped wealth
Emergency Fund Builder
Build your safety net
FIRE Plan Builder
Map your independence
Coming SoonAsk Prippa
AI coaching on demand
Coming SoonOur Philosophy
Behavior-First
We use behavioral science (not shame) to help you build lasting financial habits.
FIRE Simplified
Complex wealth-building principles distilled into actionable steps anyone can follow.
Life Design
Your money should serve your ideal life—not the other way around.
Education, Not Advice
We empower your decisions with knowledge and tools. You stay in control.
Built by someone who reached financial independence at 34 while supporting a family of 6 on a single income.
Read the full story →Frequently Asked Questions
Everything you need to know before getting started.
Yes! Core tools like the Financial Fitness Test, Pipeline Suggestion Tool, and Emergency Fund Builder are completely free. No credit card required.
Not currently. All data on FinanciallyOptimized is manually entered by you. This keeps you in full control and reinforces that our tools are for educational purposes only—not personalized financial advice for your specific situation. Always consult with qualified financial professionals before making financial decisions.
Your data is protected with 256-bit AES encryption at rest and TLS 1.3 in transit—the same encryption standards used by major financial institutions. We never ask for bank account numbers, passwords, or Social Security numbers. Your data is never sold.
Free tools give you assessments and recommendations. Pro features (coming soon) will include progress tracking, advanced AI coaching, and personalized dashboards.
No. FinanciallyOptimized provides educational tools and information only. We are not licensed financial advisors. Always consult qualified professionals for personal financial decisions.
Ready to See Where You Stand?
Take the free Financial Fitness Test—no account required.
Start My Assessment →