More than tools. A complete plan.
A MoneyBricks membership is a complete financial plan — built around the eight pillars professional planners use with their highest-paying clients, delivered to every working person and tied together by Brix.
A MoneyBricks membership is more than a collection of tools — it's a complete financial plan. The Blueprint is built around the eight pillars professional planners use with their highest-paying clients, delivered to every working person regardless of income, net worth, or starting point.
Most apps address one or two of these pillars. The Blueprint addresses all eight, and ties every feature together into one personalized strategy. What a professional planner does for thousands of dollars a year, The Blueprint does for every subscriber — with Brix as your always-on planning partner.
The eight pillars
Each pillar is a discipline — and each is powered by specific MoneyBricks tools. Tap any tool to see how it works.
- Pillar 1
Tax Strategy
Minimizing what you owe, maximizing the deductions for your trade, and self-employment tax planning — a year-round strategy, not a scramble every April.
- Pillar 2
Legacy Plan
Wills, beneficiary designations, and powers of attorney — making sure what you built goes where you want it to.
- Pillar 3
Long Game
How much to save, which accounts to use, when you can afford to stop working, and how to replace your income in retirement.
- Pillar 4
Giving Back
Giving strategically and tax-efficiently — making generosity part of the plan, not an afterthought.
- Pillar 5
Next Generation
Planning for your kids' education — 529 plans and savings strategies that build their future without wrecking yours.
- Pillar 6
Growing Your Stack
The right investment strategy for your goals, timeline, and risk tolerance — growing what you've built while you're still working.
- Pillar 7
Protection Plan
The load-bearing wall of the whole plan.Life, disability, health, and liability coverage — critical for physical careers.
- Pillar 8
Foundation Budget
The cornerstone every other pillar rests on.A sustainable spending plan aligned with your income, goals, and values.
The two pillars that matter most for working people
Tax Strategy
Taxes hit working people harder than they have to — especially the self-employed. A plumber who runs their own truck has deductions most never claim: mileage, equipment depreciation, home office, health premiums, SEP-IRA contributions. Brix helps you understand every deduction your trade allows, fix your withholding so April isn't a surprise, and make moves year-round.
The Long Game
Retirement is the most time-sensitive goal most working people have — and the one most hurt by delay. Restaurant workers often have no employer plan; nurses and first responders may have pensions that need supplementing; tradespeople may build from scratch. The Blueprint addresses retirement at every stage and profession, and makes the numbers concrete.
The year-by-year retirement build
The Long Game pillar meets you at your age. Brix places you in the right phase automatically and coaches the priorities that matter now.
- 1
The Apprentice Years
High school & collegeOpen a Roth IRA the moment you have earned income. Even $25/month at 16 beats $500/month started at 35. Install the habits early — they run in the background for the next 50 years.
- 2
Foundation Years
20s – 30sCapture every employer 401(k) match first — an instant 100% return. Fund a Roth in your lower-bracket years, use an HSA as a second retirement account, and target saving 15% of gross income.
- 3
Build Years
40sProtect your earning power with disability insurance, build your Crew (a fee-only CFP and a CPA who knows your trade), and diversify across pre-tax, Roth, and taxable accounts.
- 4
Sprint Years
50sMax your catch-up contributions, stress-test the plan against inflation and rising healthcare costs, and lock in your Social Security strategy.
- 5
Finish Line
60s+Sequence withdrawals (taxable first, then tax-deferred, then Roth), enroll in Medicare on time, and build yourself a monthly retirement paycheck.
Most apps hand you a tool. The Blueprint hands you the whole plan — all eight pillars, tied together, evolving as your life does.
Your Blueprint starts with your free BrickScore.
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