Course Two — Demo Preview
The 14th Grade
The deeper money course: negotiate what you earn, put it to work, and protect it from taxes, bad products, and scams — 12 units, plain English throughout.
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Part I
Earn More
The fastest raise is the one you ask for.
01Salary NegotiationThe script, the silence, and why the first number matters so much.Full lesson02Job Offer MathBase, bonus, equity, benefits — comparing offers on the full number.Chapter first03Side IncomeTurning a skill into a second paycheck without burning out.Chapter first04Freelance BasicsContracts, invoices, and getting paid on time, every time.Chapter first
Part II
Grow It
Compounding does the work. You just have to not interrupt it.
05Index Funds, Actually ExplainedWhat you own, what it costs, and why fees decide more than skill.Full lesson06The Retirement Alphabet401(k), IRA, Roth, HSA — which bucket, in which order, and why.Chapter first07Brokerage BasicsOpening an account, placing your first order, and the settings that matter.Chapter first08Risk & TimeWhy your age changes the answer, and what "risk tolerance" actually means.Chapter first
Part III
Keep It
Making money is loud. Keeping it is quiet.
09Scam-ProofThe scripts scammers use on smart people — and the two-step habit that beats all of them.Full lesson10Taxes, Level TwoBrackets, capital gains, and the moves that legally shrink the bill.Chapter first11Insurance, DecodedWhat to insure, what to skip, and how deductibles really work.Chapter first12Beneficiaries & WillsThe one-page folder your family hopes you have.Chapter first