The course

Nine sessions, in the order the decisions arrive.

Nine sessions. No jargon. Just the arithmetic nobody showed you.

  1. 01The number that prices your lifefreeCredit scores · 57 minWhat a credit score actually is, the five factors behind it, and the same card, car and house priced for two different people.What a credit score actually is · The five factors · What it actually costs you · Pull your report
  2. 02The most expensive money you can borrowlockedCredit cards · 61 minRevolving interest, minimum payments, and why $1,000 at 24% takes five years and change to clear if you pay what they ask.How revolving interest works · The minimum-payment trap · Fees, APRs and the fine print · Using a card without paying for it
  3. 03Getting outlockedPaying off debt · 58 minAvalanche versus snowball, what extra payments really do to a schedule, and the order to attack in.Listing what you owe · Avalanche vs snowball · What one extra payment does · Building the payoff plan
  4. 04Where it all goeslockedBudgeting · 64 minBuilding a real budget from real local numbers, and finding the hourly wage it actually takes to cover your life.What it costs to exist · Fixed, variable, and the lie of "miscellaneous" · The wage you actually need · Making it survive contact with a month
  5. 05The eighth wonderlockedSaving and compounding · 62 minTwo people, the same monthly amount, six years apart. The gap at 65 is the whole argument for starting now.Interest, forwards · Starting early vs starting more · Where to put it · The emergency fund first
  6. 06The thing that loses value while you pay for itlockedBuying a car · 59 minDepreciation against amortisation, how people end up underwater, and what the dealer is actually selling you.New, used, and the first year · The loan and the depreciation curve · Underwater, and how to get out · Negotiating the only number that matters
  7. 07Rent, own, and the gate in betweenlockedHousing · 66 minDebt-to-income is the test that stops most people, and it is not about your income. Plus what you actually need on day one.The real cost of owning · Debt-to-income, the gate · Down payment, PMI and closing costs · Year by year: rent vs own
  8. 08What you actually keeplockedTaxes · 60 minBrackets are marginal, W-2 is not the same as 1099, and the refund is not a gift. Build your own return from a paystub.Gross, net and the brackets · Deductions and credits · W-2 vs 1099 · Filling one out
  9. 09Ten people, one salary, ten liveslockedPutting it together · 68 minThe capstone: ten 22-year-olds with one flaw each, then your own scenario run to 65, and the single change that moves it most.Meet the ten · Running the lives out · Your own scenario · The one change