About Tim and Money What-Ifs

Tim is an engineer, systems thinker, and builder making tools and essays that help people invest, decide, and live a little better.

The question that started it

Money What-Ifs began with a concrete investing question: what would happen to an S&P 500 index fund during another Great Depression, dot-com crash, or major market collapse?

Instead of accepting a vague answer, Tim built calculators from historical data to understand risk in a way that felt specific and useful.

What the site is trying to do

The goal is to build practical simulations, guides, and essays that make investing, decision-making, habits, and personal improvement easier to understand.

The site is not financial advice; it is a set of transparent tools and explanations from someone who likes to test ideas with data and build useful software.