Financial Independence Tools

Financial independence, at every stage of life.

Financial independence gives you room to choose your work, your pace, and what comes next. FITools covers the career, money, investing, and retirement decisions that build and use that freedom.

Start with the featured essays Browse the handbook

The FITools Handbook

Choose what you're working on.

Each path is free and complete without an email signup.

Career & earning power For choosing a career, changing direction, or making your current work more valuable. Money & financial independence For improving cash flow, raising your savings rate, and understanding what enough could look like. Investing For building a portfolio around patience, diversification, and decisions you can live with through a bad market. Retirement & drawdown For turning accumulated savings into spending, healthcare, tax, and estate decisions.
Browse every handbook topic

FITools options research

Look beyond the same five stocks without lowering your standards.

FITools starts with the company. Screen for valuation, profitability, growth, balance-sheet health, dividend measures, and sector before comparing covered calls on shares you own or cash-secured puts backed by cash you have set aside.

Every screened contract receives a transparent 0–100 score and A–F grade. The result includes named components, warning flags, and a written rationale you can inspect before deciding what deserves more research.

Your criteria set the field. The score shows its work.

Explore the options research tool Read the FITools methodology

The FITools Letter

Three useful notes a week.

One subject per email: a development that needs context, an argument worth considering, or a practical next step. More about the Letter.

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