learnfinancewith

For adults

Money school for grown-ups, minus the lecture

The same discipline we bring to a ninth grader’s classroom, aimed at the questions adults actually have: why the account keeps surprising you, what your credit record really says, and how a small business keeps honest books. Plain sentences. Worked numbers. No grade, no score, no shame.

Leer en español →

Every session below is free to read, ends with one thing to do this week, and comes with notes for anyone running it as a workshop.

Everyday Banking

Your account, its fees, its statements, and its settings — so the bank stops surprising you.

6 sessions · about 2.5 hours in all

  1. 1.Your Account, Your Money25 min
  2. 2.The Fee Schedule Is a Price List30 min
  3. 3.Overdraft, Before It Happens25 min
  4. 4.Reading a Statement Line by Line30 min
  5. 5.Moving Money on Purpose25 min
  6. 6.When Something Looks Wrong25 min

Credit & Growth

What your credit record says, what carrying debt costs, how rebuilding works, and the order growth actually follows.

6 sessions · about 3 hours in all

  1. 1.What a Credit Report Says About You30 min
  2. 2.The Cost of Carrying a Balance30 min
  3. 3.Rebuilding, One On-Time Month at a Time30 min
  4. 4.Two Ways Out of Debt30 min
  5. 5.Shopping for a Loan Without Hurting Yourself25 min
  6. 6.Growth Means the Money Works Too30 min

Small-Business Books

Separate accounts, a four-column ledger, invoices that get paid, and books that are ready for March all year.

6 sessions · about 2.5 hours in all

  1. 1.One Wallet Is a Trap25 min
  2. 2.Money In, Money Out30 min
  3. 3.The Invoice and the Wait25 min
  4. 4.Profit Is Not the Bank Balance30 min
  5. 5.A Month-End Habit25 min
  6. 6.Ready for Tax Time All Year25 min

NIL Money, Planned

Income that arrives in lumps and is taxed like a business: how an athlete plans it, reserves for it, files on it, and builds something that outlasts the last game.

13 sessions · about 6 hours in all

  1. 1.Money That Comes in Lumps25 min
  2. 2.Three Accounts, One Job Each25 min
  3. 3.Reading the Deal Before You Sign30 min
  4. 4.NIL Pay Is Business Income25 min
  5. 5.Paying Taxes Four Times a Year30 min
  6. 6.Records a Tax Pro Can Use30 min
  7. 7.The Order Money Grows In30 min
  8. 8.Choosing Who Advises You30 min
  9. 9.Life After the Last Game30 min
  10. 10.Your Name Is the Product25 min
  11. 11.Posting for Pay, by the Rules25 min
  12. 12.Where NIL Money Comes From30 min
  13. 13.What an Offer Really Pays30 min

Run this where you are

These sessions are built to be taught as well as read — every one carries facilitator notes for a workshop room, in both languages. If you are a bank, a credit union, a library, or a community organization thinking about financial education as a real program instead of a brochure rack, here is what a partnership looks like.