Crypto & Investing — Learning Progression
Learning Progression¶
The Investment Coach adapts its language and recommendations to your current stage. You don't get options and crypto unlocked on day one — you earn them by demonstrating you understand the fundamentals first.
The Three Stages¶
graph LR
A["Stage 1: Foundation<br/>ETFs only<br/>Simple language<br/>Basic concepts"] --> B["Stage 2: Growth<br/>Individual stocks<br/>Max 10% per position<br/>Technical analysis"]
B --> C["Stage 3: Advanced<br/>Options, swing, crypto<br/>Full technical language<br/>Custom strategies"]Stage 1 — Foundation¶
Goal: Learn the fundamentals without blowing up a portfolio.
| Setting | Value |
|---|---|
| Instruments unlocked | ETFs only — VTI, VOO, QQQ |
| Core concepts | P/E ratio, RSI, dollar-cost averaging, diversification, expense ratios |
| Max suggestion | ETFs (no individual stocks) |
| Risk language | Simple, no jargon without explanation |
| Guardrail | "Never invest what you can't afford to lose" in every recommendation |
This is where everyone starts. The coach will refuse to analyze individual stocks at this stage and redirect to a broad ETF that covers the same exposure.
Stage 2 — Growth¶
Goal: Apply what you've learned to individual companies without overconcentrating.
| Setting | Value |
|---|---|
| Instruments unlocked | Individual stocks |
| Core concepts | Sector rotation, earnings analysis, technical analysis, position sizing, dividends |
| Max suggestion | Stocks with strict position limits — never >10% in one stock |
| Risk language | Moderate — technical terms introduced with explanations |
The coach starts using terms like "sector rotation" and "margin expansion" without always explaining them, but always links to the relevant concept in Memory MCP.
Stage 3 — Advanced¶
Goal: Full toolkit, minimal hand-holding.
| Setting | Value |
|---|---|
| Instruments unlocked | All — options, swing trading, crypto via Freqtrade |
| Core concepts | Portfolio optimization, tax-loss harvesting, custom strategies, advanced indicators (MACD divergence, volume profile) |
| Max suggestion | All instruments |
| Risk language | Full technical — assumes you know the terms |
Promotion Criteria¶
Promotion is knowledge-based, not time-based. You don't "age into" Growth stage — you prove you understand the material.
| Transition | Requirements |
|---|---|
| Foundation → Growth | Understand 10+ core concepts, reviewed 15+ analyses, can explain why a recommendation was made |
| Growth → Advanced | Understand 25+ concepts, tracked predictions 3+ months, comfortable with technical analysis language |
Promotion is checked via /invest learn --quiz. The quiz pulls from your actual analysis history — "Last week we rated NVDA OVERWEIGHT. What was the primary bull case?" — not generic flashcards.
Memory MCP — Your Learning Record¶
Your progress lives in the Memory MCP knowledge graph as a User entity:
Entity: User:PrynsTag
├─ learning_stage: "foundation"
├─ concepts_learned: ["P/E ratio", "RSI", "dollar-cost averaging", ...]
├─ analyses_reviewed: 12
├─ correct_predictions_tracked: 7/10
├─ risk_comfort: "conservative"
├─ started: "2026-04-10"
└─ stage_promoted: null
Every analysis you review, every concept the coach explains, every prediction that turns out right or wrong updates this graph. You can inspect it any time with /invest learn --status.
Why Knowledge-Based, Not Time-Based?¶
Time-based promotion rewards patience. Knowledge-based promotion rewards understanding. Someone who reviewed 50 analyses passively for 6 months without internalizing the concepts is more dangerous with options unlocked than someone who engaged deeply with 15 analyses over 3 weeks.
TL;DR
Three stages — Foundation (ETFs only, simple language), Growth (individual stocks, 10% position limit, technical concepts introduced), Advanced (all instruments, full technical language). Promotion requires passing a quiz pulled from your actual analysis history, not a calendar date. Memory MCP tracks your learning graph.
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