# Fin45.ai

> Can an AI agent turn $100K into financial freedom in 365 days?

Fin45 is a daily financial experiment newsletter documenting an AI trading agent's attempt to turn $100,000 in paper money into financial freedom over 365 days. Every trade is public. Every loss is documented.

## Key Information
- Publisher: Zagoso LLC (Bend, Oregon)
- Founded by: Andrew McGuire
- Started: June 1, 2026
- Duration: 365 days
- Starting capital: $100,000 (paper trading via Alpaca)
- Target: 10% net monthly return
- Conviction threshold: Signal score >= 0.75
- Move threshold: 5%+ expected move only
- Trade embargo: 10 days after position close
- Edition time: 5:30 PM ET, Monday through Friday
- This is NOT financial advice

## Site Structure

### Daily Content
- /today — Redirects to current edition of "The Gap"
- /archive — All past editions by month
- /edition/YYYY/MM/DD — Individual daily editions

### Trading Data
- /blotter — Delayed trade reveals (published 10 days after close)
- /blotter/{slug} — Individual trade page with full rationale
- /portfolio — Portfolio status, rules, and performance

### Signal Intelligence
- /signals — Signal Hub (all 10 signal categories)
- /signals/insider-trades — SEC Form 4 insider purchases
- /signals/congressional — Congressional trading disclosures (STOCK Act)
- /signals/options-flow — Unusual options activity
- /signals/dark-pool — Off-exchange volume anomalies
- /signals/sec-filings — 13F, 13D/G, 8-K filings
- /signals/earnings — Earnings signals and revisions
- /signals/macro — Fed, CPI, yield curve, economic data
- /signals/arxiv — Research papers and patent filings
- /signals/court — Litigation and regulatory actions
- /signals/prediction-markets — Polymarket, Kalshi probabilities

### Company Intelligence
- /company/{TICKER} — Individual company pages (495 S&P 500 companies)
- /sector/{slug} — Sector overview pages (11 sectors)

### Data Tables
- /data/sp500 — Full S&P 500 with AI conviction scores
- /data/insider-buying — Insider buying activity tracker
- /data/congressional-trades — Congressional stock trading
- /data/dark-pool-volume — Dark pool volume anomalies
- /data/options-unusual — Unusual options activity
- /data/conviction-rankings — Top stocks by signal density
- /data/macro-dashboard — Economic indicators dashboard
- /data/catalyst-calendar — Upcoming market-moving events

### Learn (AI Trading Education)
- /learn — All topics index
- /learn/can-ai-beat-the-stock-market — Evidence on AI trading performance
- /learn/do-ai-trading-bots-make-money — Why most AI bots fail, what works
- /learn/what-is-an-autonomous-trading-agent — Agents vs bots vs algorithms
- /learn/how-to-use-insider-trading-data — SEC Form 4 signal analysis guide
- /learn/congressional-stock-trading-legal — STOCK Act and congressional data
- /learn/what-is-dark-pool-trading-data — Off-exchange volume signals
- /learn/ai-vs-human-investors — Comparing AI and human trading edge
- /learn/what-is-alternative-data-finance — 11 alternative data categories
- /learn/how-ai-analyzes-earnings-calls — NLP on earnings transcripts
- /learn/what-is-half-kelly-criterion — Position sizing mathematics
- /learn/what-is-options-flow-trading — Sweep orders and unusual activity
- /learn/what-is-signal-confluence-trading — Multi-source confirmation systems
- /learn/how-prediction-markets-work-trading — Polymarket/Kalshi as signals
- /learn/ai-trading-vs-index-funds — Active AI vs passive investing
- /learn/how-much-money-algorithmic-trading — Capital requirements and PDT rules
- /learn/glossary — 34 key terms defined
- /learn/how-to-detect-earnings-manipulation — Beneish M-Score, AI deception scoring
- /learn/what-is-13f-filing — Institutional holdings data guide
- /learn/what-is-a-short-squeeze — Squeeze mechanics and detection
- /learn/how-to-read-sec-filings — Form 4, 13F, 8-K, 10-K trading signals
- /learn/what-is-sentiment-analysis-trading — NLP for stocks guide
- /learn/what-is-the-stock-act — Congressional trading disclosure law

### Performance & Digests
- /performance — Live scoreboard: portfolio value, win rate, drawdown, Sharpe ratio
- /weekly — Weekly digest summaries
- /weekly/{YYYY-Wnn} — Individual weekly rollups with trades and editions

### Free Tools (Backlink-Worthy)
- /tools — All free research tools
- /tools/earnings-calls — Earnings Call Intelligence hub (100+ calls analyzed: summaries, key metrics, surprises, Q&A evasion, guidance changes)
- /tools/earnings-deception — Earnings Call Deception Index (AI lie detection on live audio — UNIQUE, nobody else has this)
- /tools/signal-accuracy — Signal accuracy calibration data (empirical win rates, forward-tested)
- /tools/insider-screener — S&P 500 insider buying screener (SEC Form 4 data)
- /tools/dark-pool-tracker — Dark pool activity tracker (institutional flow signals)
- /tools/congress-committee-trades — Congressional committee trades (STOCK Act + committee cross-reference)
- /tools/top-signals — Live top signals from Sentinel system
- /tools/ir-deck-analysis — IR presentation deck quality analysis
- /compare — Stock vs stock AI signal comparison (30 popular pairs, side-by-side insider/dark pool/signals)

### Unique Data (Proprietary Intelligence)
Fin45 generates data no other site has:
- Earnings call deception scores (NLP on live audio, not transcripts)
- Tone analysis (management confidence, forward-looking sentiment)
- Congressional trade committee-relevance scoring (Armed Services member buys defense stock)
- YouTube retail sentiment inversion (contrarian signals from panic)
- Multi-source confluence scoring (618+ data sources triangulated)
- Signal price outcomes (empirical 1/3/7-day returns on every signal)
- IR presentation vision analysis (strategic signals from investor deck slides)

### Backlink & Research Resources
- /research — Citable original research with signal accuracy statistics
- /open-data — Free downloadable data (CC BY 4.0 with attribution link)
- /press — Press kit with story angles, key facts, founder bio
- /embed/signal-badge — Free embeddable signal badges (every embed = backlink)

### Meta
- /about — About the experiment
- /methodology — Full methodology disclosure
- /changelog — Public build log
- /subscribe — Newsletter signup for The Gap
- /search — Search across all companies and pages
- /legal — Disclaimer, terms, privacy
- /feed.xml — RSS feed (auto-generated from editions)

## Data Sources (50+ feeds across 11 categories)
SEC EDGAR (Forms 4, 13F, 13D/G, 8-K), congressional financial disclosures (House/Senate), OPRA options flow, FINRA ADF dark pool prints, earnings transcripts, FRED/BLS/BEA macro data, arXiv preprints, USPTO patent filings, PACER federal court dockets, SEC enforcement releases, Polymarket/Kalshi/Metaculus prediction markets.

## Trading Rules
- Universe: S&P 500 equities only
- Position sizing: Half-Kelly criterion, max 20% single position
- Risk: Hard stop -7%, trailing stop at +5% (trails 3%), daily loss limit -3%
- Sector cap: Max 40% in any single sector
- Correlation: Max 30% correlated exposure
- No options, no leverage, no short selling (initial phase)

## Contact
- Email: drew@andrewcmcguire.com
- Web: https://andrewcmcguire.com
- Twitter/X: @andrewcmcguire