B Barone Investment Group

Finance education built for Gen Z

The financial education
nobody gave you.

Start with the quiz, work through the chapters, and use the tools to make real decisions with your money.

Take the Money Type Quiz Start Here View Tools
60 seconds No login Personalized path
Try it now What does your salary really pay?
Take-home per paycheck (every two weeks) $0
    Open the full paycheck tool → Single filer, 2026 estimate. Educational only.
    The New York Stock Exchange Featured read

    From the founder

    The Market Is Made of People

    I gave an AI access to a live brokerage account, not to beat the market, but to find out who artificial intelligence in finance can actually help. A short read on the real future of AI in wealth management.

    Read the article →

    Find your money type

    What kind of financial person are you?

    Six quick questions. Instant result. Personalized chapter and tool recommendations. No login required.

    Answer honestly. There are no wrong answers. Every result gives you a practical starting point.

    Educational only. Not financial advice.

    Financial chapters

    Learn money in clear, practical steps.

    Nine chapters built for Gen Z. Each one is focused, actionable, and connects to the tools and AI workflows on this site.

    01

    Money Reset

    For anyone starting fresh or feeling behind

    Understand your real net worth, map income vs. expenses, and complete a 3-step financial reset.

    ~8 min · Beginner
    02

    Budgeting Without Feeling Broke

    For anyone who avoids budgeting because it feels restrictive

    Build a flexible weekly budget system using needs, wants, savings, and a realistic buffer.

    ~10 min · Beginner
    03

    Credit Score Basics

    For anyone opening a first card or trying to understand their score

    Learn payment history, utilization, hard inquiries, and how to build credit responsibly.

    ~9 min · Beginner
    04

    Debt Payoff Strategy

    For anyone making minimum payments and wanting a real plan

    Compare snowball vs. avalanche, understand compound interest on debt, and build a payoff order.

    ~10 min · Beginner–Intermediate
    05

    Investing Basics

    For anyone curious about investing but afraid to start

    Index funds, diversification, risk tolerance, dollar-cost averaging, and the long-term mindset.

    ~12 min · Beginner
    06

    AI for Personal Finance

    For anyone who wants to use AI tools responsibly

    Budget prompts, spending review workflows, career tools, and a safety guide for what not to share.

    ~8 min · All levels
    07

    Career and Income Growth

    For students and early-career professionals building their first opportunities

    Networking, internship tracking, resume improvement, side hustles, and asking better questions.

    ~10 min · All levels
    08

    Taxes and Paychecks

    For anyone starting work, comparing offers, or confused by take-home pay

    Learn pay stubs, W-4 basics, withholding, deductions, benefits, and how salary turns into real cash flow.

    ~11 min · Beginner
    09

    Insurance and Risk

    For young adults choosing health, renters, auto, or basic protection

    Understand premiums, deductibles, coverage limits, exclusions, and how insurance protects your financial base.

    ~10 min · Beginner

    Interactive tools

    Calculators and helpers for real decisions.

    Click any card to preview the tool here. Each one opens a full interactive page.

    Tools are for education only. Results are estimates, not financial advice. Never enter real account numbers.

    Growth

    Compound Growth Simulator

    Model monthly investing, return rate, and time with a live contributed-vs-growth chart.

    Open full tool
    Budget

    Budget Reality Check

    Enter income and real expenses to see leftover cash, weekly spending, and risk level.

    Open full tool
    Debt

    Debt Payoff Optimizer

    See payoff time, total interest, and how extra payments change the outcome.

    Open full tool
    Credit

    Credit Utilization Planner

    Calculate utilization, target balances, paydown needed, and your current risk zone.

    Open full tool

    Every tool

    Find the right calculator.

    Growth

    Compound Growth Simulator

    Adjust contribution, starting amount, timeline, and return rate. The chart separates your money from investment growth.

    Total value$134,270
    You contributed$61,000
    Investment growth$73,270
    Open full tool →

    Why this exists

    Finance education built for how you actually learn.

    0 In-depth chapters
    0 Money type archetypes
    0 Interactive tools
    0 Free, always

    No fluff, no paywalls

    Every chapter, tool, and workflow on this site is free. No upsells, no email gates, no sponsored content. Just practical education.

    AI-native by design

    Each chapter connects to real AI prompts you can use today. Not theory about AI. Actual workflows for budgeting, debt payoff, investing, and career growth.

    Built for Gen Z realities

    Student loans, gig income, no 401k match, starting late. This content meets you where you are, not where a 1990s finance textbook assumes you'd be.

    Straight talk

    How this site keeps the numbers honest.

    No fake reviews, no hype. Here is what you can count on.

    Math you can checkStandard formulas

    Every calculator uses the same formulas your bank or the IRS uses. Change an input and you can verify the result by hand.

    Your data stays yoursNothing is uploaded

    Tools run in your browser. Saved progress and net worth never leave your device, and no login is required.

    Clearly labeledEstimates, not advice

    Tax figures are 2026 federal estimates. Results are for learning, not a replacement for a licensed professional.

    Found a mistake, or want a tool added? Email Ryan. Your suggestion could become the next tool.

    Ryan Barone, founder of Barone Investment Group

    From the founder

    I built this because nobody taught me this stuff either.

    I'm Ryan Barone, a finance student who spent years figuring out things that should have taken weeks. Compound interest, credit utilization, debt payoff strategy, how to actually start investing. Nobody handed me a roadmap.

    Barone Investment Group is that roadmap, built for students and young professionals who want to be financially literate without wading through jargon, Reddit threads, or $400 courses.

    Everything here is free. Everything is practical. And everything connects to AI tools that make the learning stick.

    Ryan Barone on LinkedIn

    Reach out

    Have a question? Email me.

    Send a question, topic request, or money situation you want explained. I read every message and reply when I can.

    Educational only. Do not include account numbers, passwords, or private financial documents.

    Email Ryan

    Opens in your email app · ryanbarone29@gmail.com