For self-directed investors

Run your own
wealth engine.

Invest with Prudie is the flight simulator for people who would rather understand their portfolio than hand it to an advisor. Build a tax-optimized blueprint, see the math behind every decision, and run your money with full control. No advisor fees. No black box.

You own the math Tax-aware by design No advisor fees
Wealth Engine
Sample
82Engine score
Allocation
80 / 20
Tax drag
0.12%
30-year projection
Welcome back

Your wealth engine

Your Learning Path

25 modules · unlock as you progress

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Prudie Start with Lesson 1: every great investor began by understanding what money really is. 🌱
Foundation Layer
1
What Is Money?
Lesson 1 · barter, the three functions
Start →
2
What Makes Money Good?
Lesson 2 · hyperinflation, currency failure
🔒
3
What Is a Company?
Lesson 3 · limited liability, equity
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4
How Stock Markets Work
Lesson 4 · order book, liquidity
🔒
5
Stock Valuation Basics
Lesson 5 · market cap, P/E ratio
🔒
Reading Layer PRO
6
Stock Quotes and Metrics
price, volume, 52-week range
🔒
7
The Income Statement
revenue, gross profit, net income
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8
The Balance Sheet
assets, liabilities, equity
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9
Cash Flow Statements
OCF, FCF, investing flows
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10
Reading a 10-K
Item 1, Risk Factors, MD&A
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Valuation Layer  PRO
11
Intrinsic Value Basics
price vs. value, margin of safety
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12
Discounted Cash Flow
DCF model, terminal value
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13
P/E, P/B and Multiples
valuation ratios, EV/EBITDA
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14
Margin of Safety
discount requirement, conservatism
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15
Competitive Moats
switching costs, network effects
🔒
Portfolio Layer  PRO
16
Diversification and Correlation
sector exposure, correlation, concentration risk
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17
Asset Allocation
stocks, bonds, time horizon, risk tolerance
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18
Index Funds vs. Stock Picking
fees, active vs passive, market efficiency
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19
Rebalancing Systems
calendar, threshold, cash-flow rebalancing
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20
Risk-Adjusted Returns
Sharpe ratio, max drawdown, benchmark
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Optimization Layer  PRO
21
Tax-Advantaged Accounts
401(k), Roth IRA, employer match
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22
Tax-Loss Harvesting
wash-sale rule, loss carryforward, timing
🔒
23
Dividend Strategy
yield, payout ratio, dividend growth
🔒
24
The Power of Compounding
rate, time, reinvestment, contributions
🔒
25
Behavioral Finance and Investor Psychology
loss aversion, overconfidence, recency bias
🔒
📋
My Wealth Blueprint
View your Blueprint and Wealth Engine Score
Open →
Owners, not outsourcers

You do not need an advisor.
You need the controls.

Most tools either hide the math or charge you to never see it. Invest with Prudie hands you the instruments and the reasoning, so you run the engine yourself.

🔍

Understand the math

See exactly why your portfolio does what it does. Every allocation and every tax line, shown in plain numbers.

📋

A blueprint that is yours

A written, tax-optimized investing plan you can read, question, and change. Not a black box you have to trust.

💸

Keep your fees

A 1% advisor fee can quietly cost six figures over a lifetime. Run the engine yourself and keep that money compounding.

🎛️

Stay in control

Your money, your decisions, your rules. We give you the dashboard and the show-your-work behind it.

The Wealth Engine

An investment flight simulator for your real portfolio.

Model contributions, allocation, taxes, and time. Watch decades compound before you commit a single dollar. Stress test market crashes, leverage, and rebalancing rules in minutes instead of years, then build the Blueprint you will actually follow.

Projected balance
compounding
TodayYear 15Year 30
What it replaces

Everything an advisor charges for. None of the fees.

Human advisor
Robo-advisor
Black-box app
Invest with Prudie
See the full math
Rarely
No
No
Always
You stay in control
No
Partial
No
Always
Tax optimization you can read
Opaque
Limited
Hidden
Yes
Annual cost
~1% of assets
0.25% and up
Varies
Flat and low
How it works

From zero to running your own engine.

1

Build your Blueprint

Answer a few questions about your goals, accounts, and risk. Get a tax-optimized investing plan written in plain language.

2

Run the simulator

See the math and decades of compounding before you act. Test allocations, taxes, and downturns until the plan holds.

3

Execute with confidence

Rebalance and optimize on your own schedule, with a dashboard that always shows you why, not just what.

The Curriculum

Want to understand every instrument? Learn the whole system.

The engine runs on real understanding. 25 modules across 5 progressive layers take you from what money is to tax-optimized portfolio construction, in the right order. No options. No day trading. No noise.

💰
Foundation Layer
What money is, how markets work, and what you own when you buy a share.
1
What Is Money?
2
What Makes Money Good?
3
What Is a Company?
4
How Stock Markets Work
5
Stock Valuation Basics
📊
Reading Layer PRO
Decode stock quotes, financial statements, and the numbers behind any business.
6
Stock Quotes and Metrics
7
The Income Statement
8
The Balance Sheet
9
Cash Flow Statements
10
Reading a 10-K
🧮
Valuation Layer PRO
How investors think about price vs. value: the core skill of intelligent investing.
11
Intrinsic Value Basics
12
Discounted Cash Flow
13
P/E, P/B and Multiples
14
Margin of Safety
15
Competitive Moats
📂
Portfolio Layer PRO
Build a real strategy: diversification, rebalancing, and risk management.
16
Diversification and Correlation
17
Asset Allocation
18
Index Funds vs. Stock Picking
19
Rebalancing Systems
20
Risk-Adjusted Returns
🧾
Optimization Layer PRO
Tax-efficient investing, account types, and compounding strategies that separate good investors from great ones.
21
Tax-Advantaged Accounts
22
Tax-Loss Harvesting
23
Dividend Strategy
24
The Power of Compounding
25
Behavioral Finance and Investor Psychology

Common questions.

What is Invest with Prudie?

Invest with Prudie is a personalized investing tool and course for self-directed investors. Answer 12 short questions and it generates a tax-aware blueprint: your target allocation, account funding order, retirement projection, and a ranked action plan. It also teaches the reasoning through 25 progressive lessons, so you can run your own portfolio instead of paying an advisor.

Is Invest with Prudie free?

Yes. The Wealth Blueprint is completely free, in full, with no credit card required, and every tool inside it stays free: the funding waterfall, the rebalancing check, the tax drag projector, the action plan, and the score. Lessons 1 to 5 are free too. Pro is the course: it unlocks Lessons 6 to 25, which teach the reasoning underneath the Blueprint so you can evaluate it yourself rather than take our word for it.

Do I need a financial advisor to use Invest with Prudie?

No. Invest with Prudie is built for people who would rather understand their portfolio than hand it to an advisor. It shows the math behind every decision so you can build and adjust your own plan, which is how many users avoid recurring advisor fees.

How is my investing blueprint calculated?

Your blueprint is generated from your answers about time horizon, risk tolerance, accounts, employer match, and tax bracket. It applies evidence-based portfolio principles to produce a target allocation, a Wealth Engine Score, an account funding order, and a ranked list of actions. Every number is shown with its reasoning rather than hidden in a black box.

Is Invest with Prudie financial advice?

No. Invest with Prudie is an educational tool. It explains how planners generally think about allocation, accounts, and taxes and shows you the math, but it does not provide individualized financial advice or manage your money. You stay in control of every decision.

Start building your
wealth engine.

Free to start. No credit card required. No advisor required.

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📈

Welcome to Invest with Prudie

A complete investing education, built in 5-minute lessons. Here is how it works.

📖
Read the Hook
Each lesson opens with a real-world story that sets up the concept. You follow Amara, a first-time investor, through every decision.
🃏
Reveal the Concepts
Tap three reveal cards to uncover the core ideas. Each card earns you XP. Blue underlined words open the glossary with a full definition.
⚙️
Use the Simulator
Interactive sliders let you see exactly how the concept works with real numbers. Change the inputs, watch the outputs respond.
🎯
Pass the Quiz
Two real-world scenario questions test whether you can actually apply the concept, not just recognise it. Answer both to complete the lesson.
😊
Meet Pecunia Prudence
Every lesson features a fact from Prudie, short for Pecunia Prudence. One precise, verified data point per lesson that puts the concept in real-world perspective.

Page Guide

Everything on this page, explained.

Navigation
📊
Dashboard (progress panel): on the left side of your screen, shows all 25 lessons. Green checkmarks = completed. Lock icons = still locked. Gradient numbers = unlocked and ready.
🔥
Streak badge: tracks consecutive days of learning. Keeps you consistent.
XP counter: experience points earned by revealing cards and completing lessons. Shows how much you have learned.
Inside a Lesson
📖
Hook: the opening story. Sets up why this concept matters before explaining what it is.
🃏
Reveal cards: tap to uncover the three core concepts. Each one earns XP. The question on the front is the same question a real investor would ask.
🔵
Blue underlined words: tap any term highlighted in blue to open the glossary definition. Every financial term is defined with a real-life example.
⚙️
Simulator: interactive sliders that model the concept with real numbers. Move the inputs to see how outputs change in real time.
🎯
Quiz questions: two scenario-based questions per lesson. These test application, not memorisation. Detailed feedback explains every answer.
😊
Prudie's Piece: one verified fact per lesson from Pecunia Prudence, or Prudie. A precise, real-world data point that puts each concept in perspective.
Progression
🏁
Module checkpoints: after every 5 lessons, a 10-question quiz tests the full module. Pass 7/10 to unlock the next layer. You can retake as many times as needed.
🔒
Premium layers: Modules 2-5 (Reading, Valuation, Portfolio, Optimization) unlock with Invest with Prudie Pro, a subscription you can cancel online in one click from your account menu, any time. Module 1 (Foundation) is free.
📚
Glossary: tap the book icon in the nav to open the full glossary. Search any financial term. Every definition includes a real-world example.
🎯

Placement Quiz

5 quick questions to find your starting point. Answer honestly, not optimistically.

📋
Wealth Blueprint
Your personal investing system, built from first principles.
Answer 12 questions. Get your target asset allocation, the exact order to fund your accounts, a retirement projection, and more.
🏆
Wealth Engine Score
A single number that tracks your structural progress
💧
Account Funding Waterfall
An example funding order planners commonly use, and why
📊
Portfolio Drift Check
Enter your balances. Get exact rebalancing instructions.
📈
Tax Drag Projector
What an unoptimized portfolio costs you over 30 years
🎯
Action Plan
Ranked steps tailored to your income, horizon, and risk profile
🔓
Foundation Complete
Your Wealth Blueprint is Ready
You have learned how money works, how markets price assets, and how companies are structured. Now put it to work. Twelve questions. A personalized investing system built from what you actually know.
💧
Account Funding WaterfallAn example funding order planners commonly use, and why
📊
Portfolio Drift CheckEnter your balances. Get exact rebalancing instructions.
📈
Tax Drag ProjectorSee what an unoptimized portfolio costs over 30 years
🏆
Wealth Engine ScoreA single number that tracks your structural progress

📋Wealth Blueprint
📋

Your Wealth Blueprint

12 questions. Your personalized investing blueprint.

You did it. Every concept, every simulator, every quiz. The market is open tomorrow, and you know exactly what to look for.
Certificate of Completion
Issued by Invest with Prudie
Financial Fundamentals & Intelligent Investing
This certifies completion of
All 25 lessons across 5 layers  · 
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Lessons
0
XP Earned
5
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