Why I built Money, First Principles

Too many people in the U.S. never get a solid foundation in money. I want to help change that, one plain answer at a time.

I'm Jonathan Geraci. I started my career as an engineer and software developer, moved into finance, and earned my MBA from NYU. Along the way I noticed something: the ideas that matter most for everyday money decisions aren't complicated. They're rarely explained clearly, and almost never taught in school.

So I'm building the resource I wish everyone had: free tools that answer real questions, show their math, and explain the results without jargon. "First principles" means starting from the basics and building up, so you understand why, not just what.

What you can expect

• Free tools, always. The calculators and core guides here will stay free.
• No sales pitch. We don't take money to recommend financial products.
• Honest limits. These tools are educational. For advice about your situation, start with our trusted resources.

Keeping it running

Over time I plan to offer a few optional paid resources, like spreadsheet templates and courses, to help cover the cost of building and running the site. The free tools won't go behind a paywall.