Free personal finance lessons
257 short lessons on money: budgeting, credit, taxes, investing and more. Each takes about 5 minutes.
Open the app โ๐งฎ Free money calculators
Compound interest, debt payoff, habit cost and FIRE number. The math runs in your browser; nothing you type is sent anywhere.
๐ Money glossary
209 money terms explained in one plain sentence each, with the lesson that teaches it and the word in 7 other languages.
๐ฑ Money Foundations
The money basics school skipped โ budgeting, saving, and getting out of debt
- 1Pay Yourself First
- 2The 50/30/20 Rule
- 3Your Emergency Fund
- 4Good Debt vs Bad Debt
- 5How Credit Scores Really Work
- 6Crush Debt: Snowball vs Avalanche
- 7Banking Basics: Checking, Savings & CDs
- 8The Subscriptions Quietly Eating Your Paycheck
- 9Your Real Scoreboard: Net Worth
- 10Sinking Funds: Saving for Surprises That Aren't Surprises
- 11Your Savings Is Earning Pennies โ Fix That
๐ณ Credit & Debt
How the three-digit number works, and how to stop paying strangers 24% interest
- 1What Credit Really Is
- 2Your Credit Score, Decoded
- 3Credit Cards: Magic Trick or Trap
- 4APR & The Minimum Payment Trap
- 5Good Debt vs Bad Debt
- 6Loans 101 โ What Borrowing Really Costs
- 7Digging Out: Snowball vs Avalanche
- 8Lower Your Rate, Beat Debt Faster
- 9Student Loans 101
- 10Buy Now, Pay Later: The Friendly-Looking Trap
๐ง Psychology of Money
Why smart people do dumb things with money โ and how to outsmart your own brain
๐๏ธ Retirement & Free Money
The free money your employer is holding, and the accounts that grow it tax-free
- 1The 401(k) & Free Money
- 2Roth vs Traditional
- 3The IRA: Your Own Account
- 4The HSA: The Triple-Tax Secret
- 5Target-Date Funds: Autopilot
- 6How Much Do You Actually Need?
- 7Use Both: 401(k) + IRA
- 8Estate Basics: Wills & Beneficiaries
- 9The Right Order to Fill Your Money Buckets
- 10Don't Raid Your 401(k): The Early-Withdrawal Trap
๐งพ Taxes, Demystified
Brackets, refunds, and write-offs โ explained by someone not trying to sell you software
๐ก๏ธ Insurance Basics
Which disasters to insure against, which to ignore, and how to stop overpaying for both
๐ผ Side Income
Earn extra, keep it, and turn it into freedom instead of a nicer couch
๐ช Small Business
Turn a hustle into a real business without going broke or insane
๐จ Scams & Fraud
How the cons work, why smart people fall for them, and what to do the day you get hit
๐ฏ Big Life Money Moments
Cars, college, kids, layoffs โ the five-figure decisions everyone makes once, done right the first time
- 1Renting Smart: Leases & Deposits
- 2New, Used, or Lease?
- 3Paying for College Without Drowning
- 4The Real Cost of Raising a Kid
- 5Marriage & Money: Merge Without Mayhem
- 6Surviving a Job Loss
- 7You Got a Windfall โ Now What?
- 8Your First Paycheck: Where Did It All Go?
- 9Fighting a Medical Bill (Yes, You Can)
- 10Why a 25-Year-Old Needs a Will
๐ฅ Financial Independence (FIRE)
Save hard, invest boringly, and make Monday optional
๐ Reading the Numbers
Read a company like a business, not a lottery ticket
๐ Stocks & Equities
Own a piece of a real business โ plus the weird cousins that pay you rent, royalties, and interest
๐ Charts & Technical Analysis
Read a price chart like a pro โ and know exactly when to stop trusting it
โก Trading & Risk
Order types, stop-losses, position sizing โ how to lose small so you can stay in the game
๐ Real Estate
Leverage, landlords, and the math that separates a good deal from a great story
โฟ Crypto & Web3
Bitcoin, wallets, and scams โ what's real, what's hype, and how not to lose the keys
๐ ETFs & Index Funds
One click, 500 companies โ the boring strategy that beats most professionals
- 1What is an ETF?
- 2Bitcoin ETFs
- 3The S&P 500 โ America's Default Bet
- 4Sector ETFs โ Bet on Industries
- 5Expense Ratios โ The Silent Killer
- 6Dividend ETFs โ Getting Paid to Hold
- 7Leveraged & Inverse ETFs โ The Ones With Warning Labels
- 8The Boring Trick That Beats Market Timing
- 9Eggs, Baskets, and How to Split Them
- 10Why Your Portfolio Needs a Yearly Nudge
๐ฆ Bonds & The Fed
Loans that pay you โ and why the Fed's rate decisions move everything you own
๐ Options & Cboe
Calls, puts, and theta โ leverage that can 10x a trade or expire at zero by Friday
๐ข๏ธ Commodities
Oil, gold, wheat, silver โ the raw materials that move your grocery bill and your portfolio
๐ Macro Economics
GDP, inflation, the Fed, the yield curve โ the weather system your money lives in
- 1GDP โ The Economy's Score
- 2Inflation & CPI โ The Silent Tax Everyone Pays
- 3The Federal Reserve โ The Most Powerful Institution Nobody Voted For
- 4The Jobs Report โ What the Number Really Means
- 5The Yield Curve โ Bond Markets Predicting Recessions
- 6Recessions โ When the Music Stops
- 7The Business Cycle โ Boom, Bust, Repeat
๐ Global Markets
Why your home country is a bet โ and how to own the other 40% of the world
๐ Legends of Investing
Buffett, Lynch, Bogle, Simons โ what the greatest investors actually did, and what to steal from them
- 1Benjamin Graham โ The Father of Value
- 2Warren Buffett โ The Oracle of Omaha
- 3Charlie Munger โ The Inversion Master
- 4Peter Lynch โ Invest in What You Know
- 5John Bogle โ He Saved Investors Billions
- 6Ray Dalio โ Principles & The All-Weather Portfolio
- 7Stanley Druckenmiller โ The Greatest Macro Trader
- 8Seth Klarman โ The $1,500 Book Author
- 9George Soros โ Reflexivity & The Pound
- 10Cathie Wood โ All-In on Innovation
- 11Jim Simons โ The Math Genius Who Beat Wall Street
- 12Satoshi Nakamoto โ The Mystery That Started Bitcoin
- 13Vitalik Buterin โ Ethereum at Age 19
โจ Featured Lessons
- 1Why Did Your Burrito Get So Expensive?
- 2The Magic Penny Trick
- 3Owning a Slice of Apple
- 4The Fruit Basket Strategy
- 5Why Crashes Are Sales (Not Disasters)
- 6Your Adult Report Card
- 7The Two Buckets
- 8The Sleep Test
- 9Good Debt vs Bad Debt
- 10Don't Put All Eggs in One Basket
- 11The Most Expensive Pizza in History
- 12Your $5 Coffee is Actually $220,000
- 13Most Millionaires Drive Used Toyotas
- 14How $1,000 at Birth Becomes $150,000
- 15Why Raising Your Salary Won't Make You Rich
- 16Peter Lynch's $14 Billion Secret
- 17The Trillion-Dollar Mistake You Make Every Day
- 18Warren Buffett's Million-Dollar Bet
- 19The Brutal Math of Lottery Tickets
- 20How a 1% Fee Steals $135,000 From You
- 21Your Boss Will Literally Give You Free Money
- 22The Roth IRA Tax Cheat Code
- 23Your Bank is Stealing 4% From You
- 24Why 80% of Your Wealth Comes From 20% of Your Effort
- 25The S&P 500 Has Never Lost Money Over 20 Years
- 26The 3 A.M. Tow Truck
- 27The Boring Robot That Beats Wall Street
- 28The Pizza Slice Budget
- 29The Raise Myth That Keeps People Broke
- 30Why Your Raise Vanished Into Thin Air
- 31Your New Car Lost $4,000 in the Parking Lot
- 32The Rule of 72
- 33The 'Pay Later' Trap
- 34The Subscription Leak
- 35The Minimum Payment Trap
- 36Missing the 10 Best Days
- 37What's Your Net Worth?
- 38Technical vs Fundamental Analysis
- 39Buy a Car Without Getting Fleeced
- 40How to Negotiate Your Salary
- 41How Tax Brackets Actually Work
- 42Snowball vs Avalanche, Picked For You
- 43Exactly How Big Should Your E-Fund Be?
- 44Roth vs Traditional: Pay Tax Now or Later
- 45Time IN the Market > Timing the Market
- 46The Only Equation That Actually Matters
- 47The One Number That Actually Measures You
- 48Why 'Surprise' Expenses Aren't Surprises
- 49The Lazy Investment That Beats the Pros
- 50The Free Money 1 in 4 People Leave Behind
- 51The Hidden Price Tag on Everything
- 52Spot the Scam Before It Spots You
- 53Why Your Brain Calls a Want a 'Need'
- 54The 5-Minute Form That Overrides a Will