For people who were never taught this
Nobody taught you how money works. That was never your fault.
You are probably already paying for it: a car loan, a student loan, a card that never seems to go down. Nine short sessions, built for your age and your paycheck, that show you what all of it really costs and what to do instead.
Say you borrow $55,000 for school, at today's rate. By the time it is paid off, how much have you handed back?
Pick one. No sign-up, no catch.
Where are you right now?
Start with the thing that is bugging you.
You do not have to start at the beginning. Pick the one that sounds like your life.
I've got a car paymentSee what the loan really costs, and whether you already owe more than the car is worth.Student loans are coming, or already herePut your own number in and watch what happens to it over ten years.My card balance never goes downWhy the minimum payment is designed that way, and how to get out.I have no idea where my money goesAdd up what life actually costs where you live, then see the wage it really takes.I want to save, but I'm brokeWhat a small amount does if you start now, versus a bigger one if you wait.I want to teach this to a groupEverything you need to run it: a guide for each session, a code for your group, and their results.
The course
Nine sessions, in the order life hands them to you.
Credit first, because it quietly sets the price of everything after it. Retirement last, because by then you can see what waiting costs.
No jargon, no homework, nothing you need to know beforehand. Every calculator used in a lesson is on this site, free, so you can put your own numbers in.
- 01The number that prices your lifeWhat a credit score actually is, the five factors behind it, and the same card, car and house priced for two different people.
- 02The most expensive money you can borrowRevolving interest, minimum payments, and why $1,000 at 24% takes five years and change to clear if you pay what they ask.
- 03Getting outAvalanche versus snowball, what extra payments really do to a schedule, and the order to attack in.
- 04Where it all goesBuilding a real budget from real local numbers, and finding the hourly wage it actually takes to cover your life.
- 05The eighth wonderTwo people, the same monthly amount, six years apart. The gap at 65 is the whole argument for starting now.
- …Four more: cars, housing, taxes, and putting it all together