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Foundations · Personal Finance
Personal Finance from Scratch
Order your money, clear your debt and gather your first capital to invest. A process with real numbers and timelines in months, not promises.
The foundation that comes before investing: net worth, zero-based budgeting, automatic saving, clearing expensive debt, an emergency fund, the psychology of money, and an introduction to investing. You follow Marina —the same character as The Wheel, in her earlier stage— with her exact figures, from a 3,000 $ income to the 10,000 $ she starts investing with. Beginner level, explained from scratch.
What you'll learn
- Draw your real financial picture: net worth and cash flow
- Build a zero-based budget that actually works
- Automate your saving so it doesn't depend on willpower
- Clear expensive debt with a plan calculated month by month
- Build your emergency fund with a concrete numeric target
- Understand investing, basic taxes and a 30-year plan
Course content
- Foundations of financial independence: the four stages
- Personal finance from scratch: net worth and cash flow
- How to build a budget that works (zero-based)
- Automatic saving and cash-flow management
- Clearing debt intelligently: avalanche and snowball
- Emergency fund and liquidity management
- The psychology of money and financial habits
- Insurance and asset protection
- Introduction to investing
- Taxes and basic tax optimization
- 30-year financial planning