Expense Evaluator
Submit an expense and receive Charlie Munger's verdict. Every dollar is weighed against timeless principles.
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Example Evaluation
Disapproved
New Sports Car — $55,000
Category: Transportation
2/10
"A rapidly depreciating asset purchased for status rather than utility. Buy a reliable used vehicle for $15,000 and invest the $40,000 difference at 10% for 20 years — that's $269,000 you'd be giving up. The sports car is a monument to envy, not wisdom."
Avoid Debt
Cut Envy
Survival > Brilliance
Munger's Guardrails
Survival > Brilliance
Preserve capital above all else
Avoid Debt
Debt is a noose around your neck
Time > Money
Protect your autonomy and freedom
Cut Envy & Drama
Status-seeking is heavily penalized