Course catalog
Pick a track. Start anywhere.
Each track is a short course of plain-English lessons with real numbers and worked examples. No prerequisites, no order requirements, no account — just read.
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Taxes 101
Where your paycheck actually goes
How income tax really works — W-2 vs 1099, marginal brackets, deductions vs credits, and why a refund isn't free money. Stop fearing tax season.
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LLCs & Self-Employment
Be your own boss without the expensive surprises
What an LLC actually is (and isn't), whether you even need one to freelance, how self-employment taxes really work, and the practical steps to set up right.
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Retirement & 401(k)
Free money and the magic of starting early
What a 401(k) actually is, why an employer match is free money, Roth vs traditional, and how compound growth turns small contributions into real wealth.
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Borrowing & Loans
Use debt — don't let it use you
Interest, APR, and amortization in plain English. Good debt vs bad debt, your debt-to-income ratio, and how to spot a predatory loan before you sign.
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Mortgages
The biggest loan of your life, demystified
Down payments, fixed vs adjustable rates, PMI, closing costs, and what you can actually afford — everything first-time buyers wish they'd known.
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Credit Scores
The three-digit number that follows you around
What actually moves your score, how to build credit from zero, reading your credit report, and recovering from mistakes without paying for 'repair.'
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Investing Basics
Owning a slice of the economy
Stocks, bonds, index funds, and ETFs without the jargon. Risk vs return, why diversification matters, and how to start with your first $100.
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Budgeting Foundations
Tell your money where to go
Simple systems that actually stick — 50/30/20, zero-based budgeting, emergency funds, and automating good decisions so willpower isn't required.
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