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lessons passed — each one gilds a bead of your solidus

Level 1

Foundations

Module 1What money isWhy money exists, the jobs it does, and how coins became trust.Not started
  1. What is money, really?7 min read
  2. From shells to the solidus: a short history of money8 min read
  3. From gold to trust: why today's money isn't backed by gold8 min read
Module 2Money mathsPercentages, interest, compounding and inflation — the arithmetic behind every money decision.Not started
  1. Percentages you actually need8 min read
  2. Interest and the power of compounding8 min read
  3. Inflation: why prices rise9 min read
  4. When money breaks: hyperinflation8 min read
  5. Why a euro today beats a euro tomorrow8 min read

Level 2

Everyday money

Module 3Earning moneyWhere income comes from, how to read a payslip and ways to earn more.Not started
  1. Where money comes from: income and cash flow7 min read
  2. The payslip decoded: gross, net and the cost of a job8 min read
  3. Earning more: negotiation, side income, self-employment8 min read
Module 4Budgeting and savingTracking spending, building a budget you will keep, an emergency fund and net worth.Not started
  1. Where does your money go?7 min read
  2. Budgeting methods: pick one you will keep8 min read
  3. Saving with a purpose8 min read
  4. Net worth: what you own minus what you owe8 min read
Module 5Banks, cards and paymentsWhat banks do, how safe your money is, accounts, transfers and every kind of card.Not started
  1. What does a bank actually do?7 min read
  2. Is my money safe in the bank?8 min read
  3. Bank accounts, fees and your IBAN8 min read
  4. Moving money: transfers, instant payments and apps8 min read
  5. Debit, credit and other cards decoded8 min read
  6. When card payments go wrong, and paying abroad8 min read
Module 6 · Open from day oneStaying safeHow scams work, how to spot them, your rights as a consumer and what to do if something goes wrong.Not started
  1. Everyday scams: spot them, stop them8 min read
  2. Too good to be true: investment and money scams8 min read
  3. Your rights, and where to turn for help8 min read
Module 7Your money mindThe mental shortcuts that cost us money, and money in families and relationships.Not started
  1. Your money brain9 min read
  2. Money, feelings and the people around you8 min read

Level 3

Borrowing

Module 8Borrowing and debtWhat credit really costs, loans, cards, mortgages, credit scores and getting out of debt.Not started
  1. What is credit, and why does it cost money?7 min read
  2. The true price of a loan8 min read
  3. How a loan is paid back8 min read
  4. Overdrafts, credit cards and buy now, pay later8 min read
  5. Personal loans, leasing and payday loans8 min read
  6. Big borrowing: home loans and student loans9 min read
  7. How lenders judge you: credit reports and scores8 min read
  8. When debt gets heavy: a way out9 min read

Level 4

Protecting and growing

Module 9InsuranceHow insurance works, which cover matters most, and health systems around the world.Not started
  1. How insurance works, and what to cover first8 min read
  2. Health insurance systems around the world8 min read
Module 10InvestingRisk and return, stocks, bonds, funds, ETFs, the S&P 500 — and how not to lose your money.Not started
  1. Why invest at all? Saving, inflation and time8 min read
  2. Risk and return: swings, falls and time8 min read
  3. Diversification and the main asset classes8 min read
  4. Stocks: owning a piece of a company8 min read
  5. Bonds: lending your money8 min read
  6. Funds and ETFs: owning many companies at once8 min read
  7. Indices, the S&P 500 and active versus passive8 min read
  8. Getting started: brokers, orders and good habits9 min read
  9. Speculation, crypto, leverage and fraud9 min read

Level 5

The long term and the big picture

Module 11TaxesWhy taxes exist, how income and investments are taxed, and tax-advantaged accounts.Not started
  1. Why taxes exist and how they reach you8 min read
  2. Income tax: brackets, marginal and average rates8 min read
  3. How savings and investments are taxed8 min read
  4. Investment taxes in Slovenia, step by step9 min read
  5. Tax-advantaged accounts around the world8 min read
Module 12Pensions and retirementHow pension systems work, how much to save, and money in later life.Not started
  1. How pensions work: pillars and ageing societies8 min read
  2. Building your own retirement income8 min read
  3. Financial independence and later life9 min read
Module 13Big life decisionsA simple financial plan, first jobs, renting or buying a home, cars and big purchases.Not started
  1. Your money map: life stages and a simple plan8 min read
  2. Starting out: pocket money, first job, first budget8 min read
  3. Rent or buy? The real cost of a home9 min read
  4. Cars and big purchases: total cost and patience8 min read
Module 14How the economy worksGDP, recessions, central banks, money creation, government budgets, currencies and crises.Not started
  1. The economy as a loop: money flows and GDP8 min read
  2. Booms, busts and jobs: growth, recessions, unemployment8 min read
  3. Where money comes from: banks, central banks and loans8 min read
  4. Central banks: who sets interest rates and why9 min read
  5. Why not print money? QE and the lender of last resort9 min read
  6. How the state pays its bills: budget, deficit and debt9 min read
  7. Currencies and trade: exchange rates, pegs and tariffs9 min read
  8. Keeping the financial system safe: rules and supervisors9 min read
  9. Financial crises: what breaks and what it means for you9 min read

Level 6

Around the world

Module 15Finance around the worldThe same money ideas under different rules: payments, credit, saving, pensions and Islamic finance.Not started
  1. Same money, different rules around the world8 min read
  2. How the world pays: cash, cards and instant payments8 min read
  3. Credit around the world: records, scores and mortgages9 min read
  4. Saving and investing around the world8 min read
  5. Pensions around the world9 min read
  6. Islamic finance: banking without interest9 min read

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