Core decision
What rules should govern every financial decision?
Core outputPersonal Finance Constitution
- Net-worth baseline
- Financial values audit
- Personal money rules
- Account inventory
- Document checklist
- Quarterly review
Private · Local-first · AI-powered
Financial Freedom OS
Build your private AI-powered financial operating system inside Obsidian.
Own your data.Own your AI.Own your decisions.
No subscriptions. No cloud lock-in. One connected system that stays yours.
One purchase · Version 1 updates included · Files are yours
Financial Command Center
Your current position, operating rules, and next decisions—in one place.
Runway18.4 mo+2.1 this quarter
Freedom progress42%On operating plan
Savings rate31%Target ≥ 28%
Open decisions03Review Friday
AI COPILOT › Review this month against my Financial Constitution. Surface deviations, then propose the smallest corrective action.
- Markdown based
- Self-hosted
- AI powered
- Works offline
- V1 updates included
- One-time purchase
The real problem
You do not need more financial information. You need a system.
Advice is abundant. But the context behind your decisions is fragmented, your process is inconsistent, and each tool holds only one piece of the picture.
Bank apps
Spreadsheets
Insurance PDFs
Random notes
Investment apps
AI chats
Financial Freedom OS
Your documents, principles, data, prompts, reviews, and decisions become connected Markdown—not isolated accounts.
The intellectual foundation
Built on proven financial principles.
Financial Freedom OS is not another budgeting template. It is built around practical principles refined through the RiaFin doctrine.
The doctrine informs the framework. Financial Freedom OS remains an independent creator product by mittaltiger.
- 01Protection before investingSecure the foundation before pursuing returns.
- 02Systems over motivationRepeatable processes outlast temporary discipline.
- 03Clarity over complexityA simpler model makes better decisions possible.
- 04Decisions before productsDefine the need before choosing the financial instrument.
- 05Long-term wealth over short-term excitementDurable progress matters more than speculation.
One connected loop
From raw numbers to better decisions.
A financial operating system turns information into context, context into decisions, and decisions into repeatable action.
01Financial Freedom OS
028 connected modules
03Private AI copilot
04Better decisions
05Financial freedom
Inside the vault
Eight modules. One operating model.
Each module gives you a clear mental model, a set of decisions to make, and the practical files to execute them. Open a module to see what is inside.
Core decision
Where should every new unit of income go?
Core outputMonthly Cash Flow Review
- Income allocation framework
- Expense architecture
- Savings-rate tracker
- Irregular expense plan
- Cash-flow AI prompts
- Monthly action plan
Core decision
What could break the plan—and how is it contained?
Core outputProtection Gap Audit
- Emergency fund model
- Insurance coverage map
- Beneficiary register
- Critical document index
- Risk review prompts
- Protection action plan
Core decision
Which liability should be removed first, and why?
Core outputDebt Elimination Plan
- Complete debt inventory
- Payoff priority matrix
- Avalanche and snowball models
- Refinancing checklist
- Debt decision prompts
- Progress review
Core decision
What will keep the portfolio rational under pressure?
Core outputInvestment Policy Statement
- Risk capacity assessment
- Asset allocation rules
- Investment thesis template
- Rebalancing checklist
- Behavior guardrails
- Portfolio review prompts
Core decision
Which engines can compound income, ownership, and optionality?
Core outputWealth Engine Map
- Income engine inventory
- Career capital review
- Business asset map
- Opportunity scorecard
- Wealth-building prompts
- 90-day growth plan
Core decision
When does work become optional—and what funds the transition?
Core outputRetirement Readiness Review
- Retirement number model
- Income replacement map
- Withdrawal assumptions
- Sequence-risk checklist
- Scenario prompts
- Annual readiness review
Core decision
What is the next decision that materially increases freedom?
Core outputFreedom Dashboard
- Freedom number tracker
- Runway dashboard
- Milestone roadmap
- Freedom scenario model
- Decision review prompts
- Next-action plan
AI copilot
AI with your context. On your terms.
Use Hermes, OpenClaw, or your preferred agent. Bring your own API key, choose the model, and decide exactly what it can see.
HermesOpenClawOpenAIAnthropicLocal models
you › Stress-test this purchase against my cash-flow rules and current runway.
I found two relevant constraints in your Financial Constitution and one runway threshold. Here is the decision in three scenarios…
you › Turn my monthly review into the three decisions that matter most.
Your data suggests one allocation drift, one protection gap, and one decision that can wait. Let’s handle them in that order.
Your vault stays local. Data only leaves your device when you intentionally send context to a hosted AI provider.
Video masterclass
Install the system. Understand the thinking.
The vault is ready to use. The focused masterclass shows you why each module exists and how to make it part of your operating rhythm.
3–8 min
Installation & vault orientationSet up Obsidian, plugins, and the core workflow.
15–20 min
01 · Financial FoundationDefine your baseline and operating principles.
15–20 min
02 · Cash FlowBuild a deliberate allocation and review loop.
15–20 min
03 · ProtectionMap risk, coverage, and contingencies.
15–20 min
04 · DebtCreate a rational liability strategy.
15–20 min
05 · InvestingWrite rules before the market writes them for you.
15–20 min
06 · Wealth BuildingCoordinate the engines that compound.
15–20 min
07 · RetirementModel the transition to funded independence.
15–20 min
08 · Financial FreedomRun the full system toward your freedom number.
≈ 4 hrTotal curriculum
9Focused lessons
LifetimeAccess
What you receive
Everything to install and operate the system.
A one-time purchase. No recurring fee from us. No proprietary file format.
Financial Freedom OS
by mittaltiger
Complete version 1 system
$79One-time · USD
- Complete Obsidian vault
- Markdown templates
- AI prompt library
- AI workflows
- Decision systems
- Installation course
- 8 module masterclasses
- Version 1 lifetime updates
- Obsidian Sync or Publish
- AI API credits
- Personal financial advice
FAQ
Useful answers. No fine print.
It is built for founders, engineers, creators, consultants, and knowledge workers who already think in systems. If you value Markdown, local-first tools, privacy, and deliberate decision-making, you will feel at home.
No. The installation guide covers the vault, recommended plugins, and daily workflow. Familiarity with Markdown helps, but the system is usable from day one.
Yes. The prompts and workflows are provider-independent. You can connect a local model through your preferred tooling, including Hermes or OpenClaw, and keep the full workflow on your machine.
Yes. Bring your own provider and API key. OpenAI, Anthropic, Google, OpenRouter, and compatible local endpoints can all fit the workflow. Provider fees are not included.
The vault is stored locally. Data only leaves your device if you deliberately send context to a hosted AI provider or another connected service. You control the model, credentials, and information shared.
Yes. You receive standard Markdown files in an Obsidian vault. You can inspect, edit, export, back up, or stop using the system without losing access to your work.
Your purchase includes all version 1 updates. Major future editions may be separate products, but the files you buy remain yours permanently.
Because the vault is a downloadable digital product, purchases are generally final. If a file is broken, missing, or materially different from the description, contact us within 14 days and we will make it right.
Stop managing money. Start operating it.
Financial Freedom OS by mittaltiger. One private system. Yours for good.
Install Financial Freedom OS