Free course · 13 lessons
Investing, credit, budgeting and the big money decisions, explained one sketch at a time. Every lesson has a short video, a full illustrated write-up and the honest math, with the assumptions on screen so you can check it yourself.
Newest lesson
The 50/30/20 Rule, Explained: A Simple Budget for Beginners
Each lesson builds on the one before. Start at the top, or jump to the topic you need right now.
The honest math
No "$10,000 becomes $700,000" promises. We use realistic returns, show where every number comes from and tell you what could go wrong.
Assumptions on screen
Every lesson lists its assumptions and sources, so you can plug in your own numbers instead of trusting ours.
A path, not random tips
Lessons build on each other, from your first $100 to the big decisions about cars, homes and retirement accounts.
Lesson 6 · Budgeting & Planning
Sam takes home $3,500 and it's gone in two weeks. Here's a budget that takes about 20 minutes to set up, runs almost by itself and never asks you to write down a single coffee.
Lesson 5 · Saving & Banking
The same $2,000 car repair costs about $4,600 on a credit card and exactly $2,000 with an emergency fund. Here's how much you need, where to keep it and how to start when money is tight.
Lesson 4 · Credit & Debt
A three-digit number helps decide your apartment, your car loan and your mortgage rate. Here's what goes into it, what drags it down, and how to build good credit from zero.
Lesson 3 · Saving & Banking
Your $100 isn't sitting in a vault. Here's what your bank actually does with it, how the spread turns 37 cents into up to $22, and how to get on the right side of the deal.
Lesson 2 · Credit & Debt
Pay only the minimum on a $2,000 card and it takes almost 12 years and about $2,600 in interest to clear. Here is where every payment really goes, and three ways to escape.
Lesson 1 · Investing
You put in $48,000. You could walk away with about $262,000. Here is exactly where the other $214,000 comes from, and why waiting ten years costs more than $140,000.