Start Here: Your Wealth Building Roadmap
Where Are You Right Now?
Every reader starts somewhere different. Pick the path that fits you best and we’ll point you to the right guides, tools, and next steps.
I’m New: Show Me the Full System
Start with the 20-piece Wealth Puzzle. It covers every step from emergency fund to generational wealth, in order.
Start the Wealth Puzzle → 💳I Want to Pay Off Debt
Avalanche, snowball, zero-based budgeting, balance transfers: clear the debt that’s slowing everything else down.
Go to the Budget & Debt Hub → 📈I Want to Start Investing
ETFs, index funds, Roth IRAs, dividend stocks, build a portfolio that grows on autopilot.
Go to the Investing Hub → 🤖I Want to Protect My Income From AI
Know your exposure, diversify your income, and build on the picks-and-shovels side of AI, not a bet on hype.
Go to the AI Income Hub → 🏠I Want to Build Real Estate Cash Flow
Rentals, REITs, house hacking, deal analysis: Bobby owns rentals and covers this from real experience.
Go to the Real Estate Hub → 🛠️I Want the Tools
Spreadsheets, deal analyzers, workbooks: put the numbers to work on your actual situation.
See the Tools →🧩 The HunterOfMoney Wealth Puzzle
20 pieces. One complete wealth-building system, from your first emergency fund to leaving money that outlives you. Every piece published. Free to read.
See All 20 Pieces →What to Do, In Order
This is the sequence that actually works. Every guide on this site fits somewhere in this path.
Build a 3-Month Emergency Fund
Before you invest anything, you need cash you can reach in a crisis. 3 months of expenses in a high-yield savings account. This is the foundation.
Read: The Emergency Fund Guide →Kill High-Interest Debt
Credit card debt at 20%+ interest is a guaranteed negative return. Pay it off before you invest, no ETF consistently beats 20% after tax.
Read: Avalanche vs Snowball →💳 Hunter of Money Tool
Ready to see your real debt-free date?
Use the Debt Payoff Calculator to enter your debts, compare avalanche vs snowball, and build a monthly payoff plan you can actually follow. Takes about 10 minutes.
Excel & Google Sheets compatible • One-time download • No subscription
Max Tax-Advantaged Accounts First
401k to the match, then Roth IRA, then taxable brokerage. The tax savings here are worth more than picking a “better” investment.
Read: Roth IRA vs Traditional IRA →Invest in Index Funds, and Leave Them Alone
VTI, SCHD, VOO. Low-cost, diversified, automatic. Dollar-cost average every month and don’t check it daily. This beats most active managers over 10 years.
Read: Index Fund Investing Guide →Add Real Assets: Real Estate, Tools, Income
Once your base is solid, add real estate, grow income streams, and build things that pay you without clocking in. That’s when wealth compounds fast.
Read: Real Estate for Beginners →Get the Free Wealth Starter Kit
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- ✅ A simple 3-fund ETF framework many long-term investors use
- ✅ Your 30-day wealth action plan
- ✅ 5 money mistakes that can quietly slow long-term wealth
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Find the Right Hub
Every guide on Hunter of Money fits into one of these topic areas. Pick what you need most right now.
Investing
ETFs, Roth IRAs, index funds, dividends, robo-advisors
🏠Real Estate
Rentals, REITs, house hacking, deal analysis, landlord tools
🤖AI Income
Side income, AI tools, passive income, digital products
💳Budget & Debt
Debt payoff, budgeting, savings accounts, credit cards
₿Crypto
Bitcoin, stablecoins, wallet safety, DeFi basics
🛠️Tools
Spreadsheets, deal analyzer, wealth workbook, bundle
See Every Tool Bobby Recommends
Vetted tools grouped by category: Investing Apps, Real Estate, Gold, Crypto Safety, Budget, and Books.
See Recommended Tools →The Hunter of Money Method
Six steps. In order. Each one builds on the last.
Your income is the engine. Understand what threatens it, including job displacement, market shifts, and no backup plan, and build a defense before anything else.
High-interest debt drains wealth faster than almost anything else. Pay it down aggressively before building assets.
Three to six months of expenses in a high-yield savings account. This is the buffer that lets you take smart risks without panic.
Index funds, ETFs, and dividend stocks in a Roth IRA or brokerage account, on auto-invest. Consistency beats timing every time.
Rental properties, REITs, or digital products that pay you while you sleep. This is where income starts compounding beyond your job.
AI, inflation, rate shifts, and market cycles are all forces you cannot control. What you can control is how quickly you adjust and what new skills you build.