# Ripper Wealth — llms.txt
# AI-readable site index for LLM citation and crawling
# https://llmstxt.org

# Site
> Ripper Wealth is an Australian wealth-building education platform for investors aged 35–54. It provides structured learning paths, cycle-aware market research tools, and AI-powered scenario simulations. It is an educational platform only — not licensed financial advice.

## Key Pages

### About
- [About Ripper Wealth](https://www.ripperwealth.com.au/about): Who we are, our education-first philosophy, and how the platform works.
- [Our Methodology](https://www.ripperwealth.com.au/wealth-cycles/methodology): How we use M2 liquidity data, composite cycle signals, and historical market patterns in our research.

### Education — Layer 1: Foundations (Free)
- [Foundations Overview](https://www.ripperwealth.com.au/foundations): Five prerequisite steps before investing: goals, budget, emergency fund, compounding, and debt.
- [Set Your Goals](https://www.ripperwealth.com.au/foundations/goals): Life planning framework across 6 domains. Free Word template and video tutorial.
- [Save Your First $10,000](https://www.ripperwealth.com.au/foundations/budget): Budget tracking system used for 20+ years. Free Excel tracker.
- [Build Your Emergency Fund](https://www.ripperwealth.com.au/foundations/emergency-fund): How much to save, HISA vs mortgage offset, interactive calculator.
- [The Power of Compounding](https://www.ripperwealth.com.au/foundations/compound-interest): Rule of 72, compound interest calculator, Australian scenarios.
- [Master Your Debt Strategy](https://www.ripperwealth.com.au/foundations/debt): Good vs bad debt, Avalanche vs Snowball methods, HECS/HELP strategies.

### Education — Layer 2: What to Own
- [Asset Classes Overview](https://www.ripperwealth.com.au/what-to-own/overview): Property, shares/ETFs, Bitcoin, gold, and cash explained for Australian investors.
- [Diversification](https://www.ripperwealth.com.au/what-to-own/diversification): Correlation, concentration risk, and building a balanced Australian portfolio.
- [Risk vs Reward](https://www.ripperwealth.com.au/what-to-own/risk-reward): Volatility, drawdowns, and matching risk tolerance to asset mix.

### Education — Layer 3: Wealth Cycles
- [Wealth Cycles 101 — Get Ready](https://www.ripperwealth.com.au/wealth-cycles/education/get-ready): Introduction to cycle-aware investing and M2 liquidity.
- [Wealth Cycles — See It](https://www.ripperwealth.com.au/wealth-cycles/education/see-it): Global cycle dashboard with live liquidity signals.
- [Wealth Cycles — Try It](https://www.ripperwealth.com.au/wealth-cycles/education/try-it): Compare asset class performance across historical cycles.
- [Wealth Cycles — Check It](https://www.ripperwealth.com.au/wealth-cycles/education/check-it): Quiz to test cycle-aware investing knowledge.
- [Debt Cycles](https://www.ripperwealth.com.au/wealth-cycles/debt-cycles): Long-term and short-term debt cycles and how they drive economic activity.

### Education — Layer 4: Wealth Protection (Tax)
- [Tax 101 — Get Ready](https://www.ripperwealth.com.au/wealth-protection/tax-101/get-ready): Australian tax basics for investors.
- [Tax 101 — See It](https://www.ripperwealth.com.au/wealth-protection/tax-101/see-it): Tax concepts in practice.
- [Tax 101 — Try It](https://www.ripperwealth.com.au/wealth-protection/tax-101/try-it): Apply tax concepts to scenarios.
- [Investment Tax Structures](https://www.ripperwealth.com.au/wealth-protection/investment-tax-structures): Trusts, SMSF, company, and personal name structures compared.
- [Borrow Strategy](https://www.ripperwealth.com.au/wealth-protection/borrow-strategy/get-ready): Using collateral loans to access liquidity without triggering CGT.

### Tools — Layer 5: When to Adjust
- [Investment Portfolio Simulator](https://www.ripperwealth.com.au/tools/investment-portfolio-simulator): Simulate 10-year outcomes across Bitcoin, shares, gold, and property with Australian CGT context.
- [Crypto & CGT Calculator](https://www.ripperwealth.com.au/tools/crypto-tax-calculator): Free Australian capital gains tax calculator for crypto, shares, and property.
- [Signal Alerts](https://www.ripperwealth.com.au/tools/signal-alerts): Market cycle signal alerts for Bitcoin and major asset classes.
- [AI Learning Assistant](https://www.ripperwealth.com.au/tools/ai-learning-assistant): Ask questions about investing, wealth cycles, and Australian tax structures.

### Pricing
- [Pricing](https://www.ripperwealth.com.au/pricing): Free foundations access; premium subscription AUD $45/quarter or $139/year for full tools, AI Scenario Simulator, and quarterly newsletter. No trial. Cancel anytime. GST included.

### Legal
- [Disclaimer](https://www.ripperwealth.com.au/legal/disclaimer): Ripper Wealth is an educational platform only. Not licensed financial advice.
- [Privacy Policy](https://www.ripperwealth.com.au/legal/privacy): How user data is collected and protected.
- [Terms of Use](https://www.ripperwealth.com.au/legal/terms): Platform terms and conditions.

## Optional: Full Content
For a more detailed content index, see: https://www.ripperwealth.com.au/llms-full.txt