Start Here — Your Wealth Building Roadmap
Not Sure Where to Start?
Start Here.
Plain-English guides, spreadsheets, and tools for everyday people who want to build real wealth — no finance degree required.
Built by Bobby Cowart — Navy veteran, real estate investor, and founder of Hunter of Money. Real wealth. Plain English. No hype.
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 Invest Smarter
ETFs, index funds, Roth IRAs, dividend stocks — build a portfolio that grows on autopilot.
Explore Investing Guides →I Want to Build With Real Estate
Rentals, REITs, house hacking, deal analysis — Bobby owns rentals and covers this from real experience.
Explore Real Estate Guides →I Need More Income First
Side income, AI tools, passive income streams — build cash flow before you invest it.
Explore Income Ideas →I Need to Fix Debt First
Avalanche, snowball, zero-based budgeting — clear the debt that’s slowing everything else down.
Read the Debt Guide →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 →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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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 →