The Refuse List

Principles

A product is defined as much by what it refuses to do as by what it does. These are our refusals, in writing, so you can hold us to them.

1. 01

   We will never require account linking.

   Your numbers are yours. Every tool works with sliders and manual entry — the math runs in your browser, not on our servers.

2. 02

   We will never show ads to paying members.

   You are the customer, not the product. Membership means the only thing on your screen is your own math.

3. 03

   We will never sell or share your data.

   There is nothing to sell. The free tools don't send your inputs anywhere, and saved scenarios exist for exactly one purpose: showing them back to you.

4. 04

   We will never build an AI that pretends to be your financial advisor.

   Ask STWLTH explains the math of your scenario — what the numbers mean and why. It will not tell you what to buy. That line doesn't move.

5. 05

   We will never bury your answer under a two-hour setup.

   If a tool can't give you something useful in sixty seconds, it doesn't ship. Depth is optional; the answer is not.

6. 06

   Build wealth. Stay quiet.

   Quiet compounding beats loud broadcasting. The product, the brand, and the merch all follow the same rule.