The course

Nine sessions, in the order the decisions arrive.

Nine sessions. Not to replace faith, but to free you to act on it.

  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