Iron Wealth guides
Learn the number,
then keep it live
Short how-tos for net worth, investment balances, multi-currency life, FIRE math, and money apps that do not need a bank login.
How to Calculate Net Worth
Net worth is assets minus liabilities. Add what you own, subtract what you owe, and keep each account in the currency it actually sits in.
How to Track Investments in Your Net Worth
Count an investment in net worth by logging the balance you would stand behind, in its own currency, and subtracting any debt against it. A watchlist is not a balance.
How to Track Net Worth in Multiple Currencies
Multi-currency net worth keeps each account in its own currency, converts with a rate you can name, and shows one headline. A rate move changes the number even when you spent nothing.
FIRE Number Explained
A FIRE number is annual spending divided by a withdrawal rate. At 4%, multiply spending by 25. It is a planning estimate from US historical research, not a promise you can retire.
Budget App Without Linking a Bank Account
A budget app without linking a bank account, and a net worth tracker without linking accounts. You type or import balances yourself. You give up automatic pulls. You keep a ledger that still works when a connector breaks.
Mobile Money Budget App and MTN MoMo Tracker
Track MTN MoMo, M-Pesa, OPay, and other mobile money wallets next to your bank. On Android, payment alerts from the wallets you choose become transactions. No operator login, no MoMo PIN.
Remittance Tracker
A remittance tracker records both sides of a send: income in one currency and spending in another. The gap between what you sent and what arrived is the fee and the exchange rate.
How Rotating Group Savings Work
A susu, ajo, esusu, chama, stokvel, or tontine pays you a pot of everyone's contributions. An early slot keeps more of that pot's value. A late slot loses purchasing power to inflation.
Saving When Your Currency Falls
A local interest rate can beat inflation and still lose value in dollars. Real local return divides by inflation. Dollar terms also divide by how far the currency falls against the dollar.
Tracking Several Mobile Money Wallets
Track MoMo and a bank, OPay and PalmPay, or M-Pesa and a dollar account in one net worth. Each wallet keeps its currency, and a move between them is one transfer, not income twice.
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