The Free Money Principles chip
Free Money Principles · The Companion Toolkit

Every checklist
from the book. Free.

Seven tools including the new Wheel Cycle Tracker spreadsheet: the working documents behind a disciplined system for dividend and options income.

The house doesn’t gamble. It collects.

Inside the download

Print them. Use them before every trade.

The Wheel Cycle Trackerlog every leg; the sheet computes your true cost basis and annualized return
The One-Page System Checklisteleven questions; a single “no” is worth a pause
Covered Call Checklistthe strike is a decision, not a number
Put-Selling Checklistthe strike is a promise to buy; treat it like one
Margin Spread Worksheetcomplete it before borrowing a single dollar
Strike-Selection Checkliststrikes need a reason; five checks give them one
The Free Money Trackera spreadsheet that computes your honest, deposit-adjusted return
New in the toolkit · The Wheel Cycle Tracker

One row per leg. The sheet does the rest.

A wheel strategy tracker for the whole cycle: log the cash-secured put, the assignment, every covered call, and the day the shares leave. The spreadsheet computes net premium, your true cost basis after every dollar collected, capital at risk, and the annualized return on each completed cycle.

A dashboard keeps score across cycles, wins and losses both. Works in Excel and Google Sheets, and ships with one fully worked example cycle so the math is never a mystery.

New · Free calculators

Run the numbers before the trade.

Seven calculators that do the arithmetic the book teaches, right in your browser. Type in the strike and the premium and watch what the position actually pays: the return if the shares stay, the return if they are called away, the price you would really pay on assignment, and what any of it looks like annualized.

Covered Call Calculatorstatic return, called-away return, breakeven, and your downside cushion
Cash-Secured Put Calculatorwhat the collateral earns, and your true cost per share if assigned
Wheel Cycle Calculatorput, assignment, call, and dividends totaled into one honest cycle return
Roll Analyzerwhat the roll pays, and how much ceiling you buy back
Annualized Yield Converterthe sanity check for any trade, with a haircut for your real hit rate
Income Snowballthe year the machine starts feeding itself
Position Size Checkerround lots, concentration, and when a stock is simply too expensive for your rule

Free, no email required. Educational only, never personalized advice.

Mentoring

Learn the system with me.

The book lays out the whole plan. Some people want a guide while they build the machine for the first time.

I have taught for as long as I have invested. I am patient, I like questions, and you can ask the same one twenty times without me losing patience. Complex things become simple when they are broken down properly, and I adapt to how you learn best. I homeschooled my son until second grade, and I teach adults and young people with the same care.

Programs

Money Skills for Kids, ages 10 to 13. Earning, saving, budgeting, banking, compound growth, and how to recognize a scam.

Investing Foundations for Teens, ages 13 to 17. Stocks, bonds, ETFs, dividends, diversification, and paper portfolios.

Dividend Investing for Adults. Evaluating companies, judging dividend safety, reinvestment, and building a hypothetical income portfolio.

Options Income Fundamentals for Adults. Covered calls and cash-secured puts, including the risks and the circumstances where they fail.

Also available on request: how to choose a broker, what the technical tools are and why most of their edges eroded, futures, day trading and swing trading, prop firms, and careers in the industry. Take one topic, or the whole system, beginning to end.

How lessons run

Every session is built around your goals. Theory first if you are starting out, always with practical examples, and as much back and forth as you want. If you prefer to listen while I teach, that works too. Nothing gets rushed and nothing gets wasted.

Pricing

Free 15-minute call to see if it is a fit.
First session: $50, introductory launch rate.
Ongoing sessions and packages: ask on the call.

All mentoring is education, not advice. We work through the method and the checklists using general examples. I do not review personal portfolios, and I never tell anyone what to buy or sell. Educational only, never personalized advice.

Steady income. Minutes a week.
A simple, math-backed plan for building wealth without the stress.

Free Money Principles shows you how to own quality stocks that pay dividends, collect covered call income on shares you already hold, and get paid to wait with cash-secured puts. No predictions. No jargon. Nothing to watch all day. Add discipline, and the machine compounds toward your goals sooner than you thought possible.

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James Brandt, author of Free Money Principles
The author

James Brandt

James Brandt has spent about 35 years in finance, long enough to watch every fashionable way to lose money get renamed and sold again. He writes about the other side of the table: the investor who owns quality assets, collects dividends, and sells option premium to the impatient.

He wrote Free Money Principles so the system could be taught honestly, bad nights included, and he writes The House Edge, a weekly letter on income investing.

The house doesn't gamble. It collects.

After you read

An honest review helps the next reader.

Independent books grow on honest reviews. If Free Money Principles earned it, two minutes on Goodreads makes a real difference.

The House Edge · weekly

The letter that runs the system in public.

Free

$0 · every week
  • The Read: is this a selling week or a waiting week, and why
  • One honest lesson a week, taught plainly
  • The complete toolkit, delivered in your welcome letter

The House Edge is an impersonal educational publication. Nothing in it is personalized investment advice or a recommendation tailored to you. Positions held are disclosed in every issue.

From the author

“The concepts the industry dresses up are simple. Anyone can understand them, and I explain them the way they were always meant to be explained: nothing held back to sell you later, no using you the way this industry does, and always has. It began as a letter to my son. I hope it reads like one to you.”

James Brandt

Yield House

Contact

Questions? Write to the house.