The Mechanics of Wealth
Like Duolingo, but for The Mechanics of Wealth. Tomo turns the whole topic into a game you play five minutes a day, until it actually sticks.
For the part of you with thirty open tabs that never became anything.
Free during early access · No credit card · iPhone & Android
Key ideas in The Mechanics of Wealth
- Inflation raises the price of goods, meaning the same dollar buys less tomorrow.
- A Cash Floor covers 3-6 months of essentials to handle sudden job loss or repairs.
- When inflation exceeds your interest rate, your 'real' wealth is shrinking.
- Excess cash beyond the floor creates a 'drag' on your total portfolio's growth.
- Idle cash loses value silently because its numerical balance stays the same.
- Liquidity is a tool for safety, but over-funding it wastes compounding potential.
- The effect of inflation on the purchasing power of idle cash over time
- How to determine the optimal size of a Cash Floor for liquidity and growth
- Opportunity cost is the profit you miss out on by not picking the best alternative.
- Automated sweeps move money based on rules, not on how you feel about the news.
- The 'price' of safety is the difference between bank interest and market returns.
- Frictionless transfers ensure idle cash is put to work immediately and consistently.
- Automation bypasses the 'analysis paralysis' that keeps cash in low-yield accounts.
- Nominal gain is the raw profit percentage before any costs are deducted.
- Understanding opportunity cost in the context of conservative vs. aggressive assets
- Taxes on capital gains or interest take the first bite out of your nominal profit.
You've tried the other tabs
Thirty open tabs. Four facts you actually kept.
You watched. You nodded. By Sunday it was gone.
One answer, then back to scrolling.
Eight weeks. You meant to finish. You didn't.
Tomo gives The Mechanics of Wealth the Duolingo treatment: levels, streaks, and quick quizzes that test what you just learned. That game loop is what the tabs above never had, so it's the one you actually finish.
Here's what playing it feels like
A real question from this course. Take your best guess.
Picture a sudden storm hitting your finances—like a major car repair. How many months of essential expenses should your 'Cash Floor' ideally cover?
Get it right to open this lesson and 8 more in the app.
Where The Mechanics of Wealth takes you
Move beyond basic saving and learn the hidden levers that dictate how money actually grows, stays, or disappears in the modern economy.
- 1
Optimizing Your Engine
- Putting Idle Cash to Work
- Navigating Risk and Volatility
- 2
The Invisible Drains
- Spotting Fees and Tax Drag
2 sections · 3 units · 9 levels. Built to play, not to enroll.
You pick the voice
The Mechanics of Wealth is taught in the The Storyteller style: every lesson is a story. Want a different feel? In the app you can spin up the same topic in any of Tomo's teaching styles. Same facts, totally different vibe.
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Start The Mechanics of Wealth today.
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