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"I was maxing my 401(k) and had six months of savings, but I had no idea what to actually do with the rest. The allocation framework gave me a clear system—and the tax strategies saved me $14K in my first year. I finally feel like I'm building wealth, not just earning income."

Michael, Staff Software Engineer

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SmartMoney

Get insider tips, proven strategies, and little known tools that can help you turn income into wealth. No fluff or theory.

Turn Your Income into Wealth

Find hidden financial leaks (and plug them)

Structure your wealth the right way

Fortify savings with the right assets

Allocate wealth to make smart bets

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#1

wealth building strategy

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SmartMoney

Get insider tips, proven strategies, and little known tools that can help you turn income into wealth. No fluff or theory.

Turn Your Income into Wealth

Find hidden financial leaks (and plug them)

Structure your wealth the right way

Fortify savings with the right assets

Allocate wealth to make smart bets

50K

followers on social

#1

wealth building strategy

Image of James Rowan

SmartMoney

The secret tactics that high-earners use to build lasting wealth

Turn Your Income into Wealth

Find hidden financial leaks (and plug them)

Structure your wealth the right way

Fortify savings with the right assets

Allocate wealth to make smart bets

50K

followers on social

#1

wealth building strategy

Our Research Network

Our investment and macro analysis is based on insights from seasoned investors and speculators who actually manage money—not influencers or content creators who talk about it.

We're leveling the playing field, so you get access to expertise and strategies you won't find anywhere else.

Our Research Experience

15
15

+

Years with Self-Directed Investors

15

+

Years with Self-Directed Investors

5
5

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Asset Classes

5

+

Asset Classes

900
900

+

investment insights published

900

+

investment insights published

Most people earn, spend, and hope for the best.
There's a better system.

Most people earn, spend, and hope for the best.
There's a better system.

Hi, we're Millionaire Quotient

Hi, we're Millionaire Quotient

Hi, we're Millionaire Quotient

Image of James Rowan
Image of James Rowan
Image of James Rowan

We weren't born knowing how money works. We started in working-class jobs, worked our way into six-figure tech roles, and did everything 'right'—maxed out the 401(k), built an emergency fund, followed the playbook.

Still, we felt like we were missing something.

Turns out we were. The strategies wealthy people use aren't magic—they're just not taught to the rest of us. So we learned them, implemented them, and started sharing them.

That's what Millionaire Quotient is: the wealth-building playbook we wish someone had handed us ten years ago.

One insight per week. No fluff. No spam.

Join 200K+ subscribers getting the tax strategies, allocation frameworks, and macro analysis that high earners actually use.

Join 200K+ subscribers getting the tax strategies, allocation frameworks, and macro analysis that high earners actually use.

Subscribe today and turn your earnings into wealth.

Three ways to start
building lasting wealth.

Whether you're just getting started or are ready for the expert strategies.

01 / The
Weekly Newsletter

Every week, you get one actionable insight—a tax strategy, allocation adjustment, or macro trend that affects your money. No fluff. Takes 5 minutes to read, can save you thousands.

200k+ Subscribers

Free to join

Tactical, not theoretical

02 / The
Money Framework

The complete allocation system: how much in hard assets, how much in dry powder, how much you can actually spend. Customized to your income, risk tolerance, and goals. This is the blueprint.

Step-by-step implementation

Step-by-step implementation

Step-by-step implementation

Covers taxes, savings, and investing

Covers taxes, savings, and investing

Covers taxes, savings, and investing

Works for W-2 and business owners

Works for W-2 and business owners

Works for W-2 and business owners

03 / The
Investment Research

Specific opportunities with full analysis—what to buy and why it works. Plus macro context so you understand the bigger picture. This is what wealth managers charge five figures for.

A detailed investment recommendation

Accessible from your brokerage account

Premium members only

Premium members only

Premium members only

Got questions?
We’ve got answers!

I'm a W-2 employee. Will these strategies actually work for me?

I'm a W-2 employee. Will these strategies actually work for me?

I'm a W-2 employee. Will these strategies actually work for me?

How is this different from hiring a financial advisor?

How is this different from hiring a financial advisor?

How is this different from hiring a financial advisor?

Is this just crypto hype in disguise?

Is this just crypto hype in disguise?

Is this just crypto hype in disguise?

I don't have hours to spend on this every week.

I don't have hours to spend on this every week.

I don't have hours to spend on this every week.

What if I have student loans or a mortgage?

What if I have student loans or a mortgage?

What if I have student loans or a mortgage?

Is this personalized financial advice?

Is this personalized financial advice?

Is this personalized financial advice?

What's the refund policy?

What's the refund policy?

What's the refund policy?

Do I need to be an accredited investor?

Do I need to be an accredited investor?

Do I need to be an accredited investor?

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Take the quiz to see where you are in the earn-spend cycle—and get a personalized allocation blueprint based on your income, goals, and risk tolerance.

Take the quiz to see where you are in the earn-spend cycle—and get a personalized allocation blueprint based on your income, goals, and risk tolerance.