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Eighteen chapters, from a paycheck to an estate plan

Money, in the order life hands it to you.

Chapter 1 starts with your paycheck: what actually reaches your bank account after tax. Free to start, no account.

Chapters 1 to 3 and every lab are free. Chapters 4 to 18 are Pro.

Start Chapter 1Already know some of it? Take the placement check and skip ahead.
  1. 01ReadA short lesson in plain English, with the jargon explained.
  2. 02TryA lab opens on a realistic sample, then takes your own numbers.
  3. 03ProveA quiz. Score 80% and the next chapter opens.

$250 a month for 15 years

$79,703

is what $45,000 of deposits could grow to at a sample 7% a year, before fees and taxes. Prices rise too, so in today's dollars that is about $50,849. Left in checking, the same deposits end at $45,170, which buys what $28,818 buys today.

$50$1,500
5 years30 years
Fig. 1. Monthly deposits over 15 years at a sample 7% a year, before fees and taxes, against checking at 0.05% with 3% inflation. Not a forecast: real returns vary and can be negative.

The whole route, start to finish.

Score 80% on a chapter's quiz and the next one opens. Chapters 4 to 18 are Pro.

Chapters 1–6

Foundation

0 / 6

  1. 01MindsetYou are hereChapter 1: Money Psychology & Mindset
  2. 02BankingAccounts, fees, credit unionsChapter 2 locked: Banking & Account Fundamentals. Pass the Chapter 1 quiz (80%+) to unlock.
  3. 03BudgetingZero-based budgeting and automationChapter 3 locked: Budgeting & Cash Flow. Pass the Chapter 2 quiz (80%+) to unlock.
  4. 04EmergencyProChapter 4 is Pro: Emergency Funds & Financial Security
  5. 05IncomeProChapter 5 is Pro: Income & Career Planning
  6. 06CreditProChapter 6 is Pro: Credit & Debt Management

Chapters 7–13

Investing

0 / 7

  1. 07InvestingProChapter 7 is Pro: Investment Fundamentals
  2. 08PortfolioProChapter 8 is Pro: Portfolio Construction & Asset Allocation
  3. 09RetirementProChapter 9 is Pro: Retirement Planning & Long-Term Wealth
  4. 10TaxesProChapter 10 is Pro: Tax Optimization & Planning
  5. 11InsuranceProChapter 11 is Pro: Insurance & Risk Management
  6. 12Real EstateProChapter 12 is Pro: Real Estate & Property Investment
  7. 13MarketsProChapter 13 is Pro: Stock Market Basics

Chapters 14–18

Advanced Planning

0 / 5

  1. 14BondsProChapter 14 is Pro: Bonds & Fixed Income
  2. 15AlternativesProChapter 15 is Pro: Alternative Investments
  3. 16BusinessProChapter 16 is Pro: Business & Entrepreneurship Finance
  4. 17EstateProChapter 17 is Pro: Estate Planning & Wealth Transfer
  5. 18ToolsProChapter 18 is Pro: Estate Tools & Beneficiaries

Nobody pays us to point you anywhere.

No commissions, no affiliate links, no sponsored picks. The only thing we charge for is chapters 4 to 18, and the course is free to start.

Education only
Lessons and labs explain how money works. They are not advice on what to do with yours.
Official sources
Tax figures come from the IRS, and each chapter links the IRS, CFPB, FDIC and Investor.gov pages it relies on.
Assumptions on screen
Each lab lists what it assumes and where it simplifies, so you can see what the number leaves out.
Your numbers stay with you
Progress lives in this browser until you sign in to sync it. The AI coach is the one exception: your questions to it go to our AI providers.

One email when something new ships

A new chapter or a new lab, and nothing else. No weekly newsletter.