Our mission
About OutsmartMoney.ai
OutsmartMoney.ai is an independent investing research site founded by David Bryan. We publish plain-English research on inflation and money printing, live market data and a few free tools, so you can see what is happening to your savings and make up your own mind.
- US M2 money supply growth since 1926 522×
- Average yearly M2 growth over the century 6.56%
- Stocks, ETFs and coins with their own live page 47
- How often crypto prices refresh 5 min
The short version
- David Bryan runs the site as a non-commercial project.
- The US money supply is about 522 times its 1926 level.
- Nothing here is financial advice.
Who runs the site and why it exists
OutsmartMoney.ai was started by David Bryan, and the short version of why is that the money printing numbers were hard to ignore once they were laid out side by side. The site grew out of The Illusion of Wealth, a set of articles David wrote that asks whether anything has really grown in value over the last hundred years, or whether most of it was lifted by the new money printed along the way.
He answered it the slow way, by lining up a century of returns on shares, gold, property, bonds and cash against the US money supply, and the seven articles went up between 1 and 13 June 2026, with the site launching on 17 June.
What we kept coming back to after that was that a hundred-year chart doesn't tell you much about this week. So in October 2026 we built the live side, and that's most of what you'll use here now: prices that update every few minutes, a trend score with its rules written out, an inflation and money supply tracker with a couple of calculators, a page for each of the 47 assets we follow and short AI summaries that we check against the data before they appear.
OutsmartMoney.ai is a non-commercial educational project run by David Bryan under InnovatingTech, the name for his personal projects (not a company). Contact: info@outsmartmoney.ai
We aren't a broker, a fund manager or a sponsor of any investment, and we aren't financial advisers either. That leaves us free to say so when the data is dull, and to say so when we don't know something.
Timeline
- 1 to 13 June 2026 The Illusion of Wealth published, seven articles on 100 years of returns against M2
- 17 June 2026 OutsmartMoney.ai launched
- October 2026 Live prices, trend scores, the inflation tracker, asset pages and AI summaries added
How we work
- Independent research
- We aren't a broker, a fund manager or a sponsor, so the research isn't there to sell you a product.
- Methods in the open
- The trend score is a fixed set of rules, and the markets page prints them with their weightings. More about Methods in the open
- Sources named
- Each data page says where its numbers came from and how old they are.
- AI labelled and checked
- Anything an AI model wrote is marked as such, and its figures are compared with our data before it goes up. More about AI labelled and checked
What we found when we measured wealth against money printing
Everything here starts from one number. The US M2 money supply was about $43.7 billion in 1926 and it's around $22.8 trillion now, which is roughly 522 times bigger, or about 6.56% growth a year on average.
When we put asset returns next to that figure instead of next to shop prices, cash came out looking a lot worse than most people assume, because a savings account paying something like 3.4% a year (the long-run average we used in the research) slips a little further behind the money supply every year you leave it there.
That's why so much of the site is about inflation and money supply rather than hot stock tips. Most people know prices go up, but far fewer have actually seen how fast that gap compounds over ten or twenty years, and once you've put your own savings into the calculator you can judge how much it matters for the money you hold in cash.
US M2 money supply
Where our numbers come from
| Data | Source | How fresh |
|---|---|---|
| US stock and ETF prices | Nasdaq and Yahoo Finance | Up to 15 minutes delayed |
| Crypto prices | CoinGecko, Binance and Kraken | Refreshed every 5 minutes |
| US inflation, rates, money supply | BLS, Federal Reserve, US Treasury | On each official release |
| UK and euro area figures | ONS, Bank of England, ECB | On each official release |
Questions about OutsmartMoney.ai
Short answers on who we are, whether any of this counts as advice, and where AI fits in.
Is OutsmartMoney.ai financial advice?
No. Everything on the site is research and education. Advice depends on things we never see, like how much you earn, what you owe, your tax position and how you'd cope if an investment halved, which is why a regulated adviser has to understand all of that before recommending anything.
What we can do is show the data, show how each figure was worked out and say where the evidence is thin. A high trend score, for example, usually means the asset has already had a strong run, and runs like that can reverse, so for a decision that would hurt to get wrong a qualified adviser who can see your whole situation is the right person to ask.
Who is behind OutsmartMoney.ai?
The site was founded by David Bryan, who also wrote The Illusion of Wealth series that the rest of the site is built around. When you see "we" on these pages it just means the people building and running OutsmartMoney.ai, and the articles carry the author's name so you always know who wrote what.
We'd rather keep that simple and accurate than pad it out with job titles, so if you want to know more about something we've written, the easiest thing is to use the contact page or email info@outsmartmoney.ai.
Does the site use AI, and how is it checked?
Yes, and everything it writes is labelled. When we added the live pages in October 2026 we started using an AI model to write the market summaries on the homepage and the markets dashboard, a short note on the inflation tracker and on each asset page, and the daily wraps on the briefs page, working only from the data on this site.
Language models sound just as sure of themselves when they've got a figure wrong, so the code that publishes them compares every number in the text with the data the model was given, and if more than one can't be matched the draft is dropped and the last good version stays up. It's a blunt check, and it can't tell whether a sentence is sensible, but it does stop a made-up price reaching the page.
The trend score doesn't involve AI at all, by the way. It's a fixed set of rules, and they're printed on the markets page.
Can I suggest a feature or report a mistake?
Yes, please. The contact form and info@outsmartmoney.ai both reach us. If it's a data problem, the page and roughly the time you saw it are the two things that help most, because prices change every few minutes and whatever you were looking at may have been replaced by the time we go and check it.