← Block Wall Street AcademyHow this works, in plain EnglishMore toolsBook a session
Money is time & energyBlock Wall Street

YOUR PAYCHECK.
YOUR TIME.

Pick a city's minimum wage, choose what share of every paycheck goes into Bitcoin, and see how many hours of your life you move out of the paycheck-to-paycheck cycle and into stored time you own.

Your Paycheck

Auto-fills from the city. Type your own to override.
After payroll taxes. Edit for your situation.
Bitcoin's yearly growth in purchasing power vs. wages
Cash comparison. ≈ −3.8%/yr matches the 0.68× in the post.
Pulling the live price...
% in year
0
YEARS OF WORK

Hours Of Life Stored, By Allocation

What Each Percentage Buys Back

Same Percentage, Different Cities

The share of life you store is the same everywhere. What changes is how many dollars (and sats) that share is worth — and how many hours one Bitcoin costs.

Money is time and energy. The first dollars you save aren't a sacrifice — they're hours you stop handing back. Every percent you move into Bitcoin is a slice of your week you're buying back for your future self.
New to this? Read how the Money Is Time model works, with a worked example and what each number means.

Minimum wages shown are the rates in effect in October 2026 for each city or its state, from city and state labor agencies and wage trackers (Chicago $17.05 and Los Angeles $18.42 as of July 1, 2026; San Francisco $19.61 as of July 1, 2026; Washington DC $18.40 as of July 1, 2026; Denver $19.29; New York City $17.00; Seattle $21.30, which can differ by employer size; Florida $15.00 as of Sept 30, 2026; $7.25 federal rate where no higher state or local minimum applies). Rates change and have exceptions — confirm with your city. "Hours stored" means hours of median-wage labor your Bitcoin could buy, measured in your own wage. Growth rates are assumptions you control, not predictions. Bitcoin is volatile and has fallen 70–80% several times. Educational use only — not financial advice.