Learn how money actually works.
Not budgeting tips. How wealth is created, captured, kept and destroyed — and who is on the other side of the table.
Start at the beginningNo signup, no maths required to begin.
The cost of waiting
2,000/year · 7% · to 65
- You put in
- 86,000
- You end with
- 495,553
- Waiting cost
- 0
A model, not a forecast. It assumes a steady 7% every year, which no real return does, and it ignores tax, fees and inflation. The shape is the point, not the number.
What did you come here for?
Pick one and start there. It is all one path — this just drops you at the right point on it.
- I want to understand moneyLedger · 7 lessons
- I want to understand the economyMachinery · 8 lessons
- I want to earn moreHuman Capital · 9 lessons
- I want to understand businessEngine · 10 lessons
- I want to know who profits from meThe House · 10 lessons
- I want to learn investingClaims · 9 lessons
- I want to make better decisionsBehaviour · 9 lessons
- I want to spot a scamPredators · 7 lessons
Track 4 · The House
Run the money machine
You don’t read about how an insurer earns. You are handed one, given customers, and told to make as much money as you can.
Then you are shown the real version, and asked to find it in the wild before the timer runs out.
Year 10 · your insurer
- Premiums collected
- 48,200
- Claims paid
- 51,700
- Underwriting result
- −3,500
- Return on the float
- +19,400
Lost money insuring. Made money anyway.
Where this goes
16 tracks, 120 lessons, about 23 hours. Nothing costs anything, ever.
- 0LedgerWhere your money actually is, as opposed to where it feels like it is.
- 1MachineryPrices, incentives and credit, and what the models leave out.
- 2Human CapitalWhy the same hour of work is priced eight different ways.
- 3EngineHow a business actually makes money.
- 4The HouseHow banks, insurers and subscriptions make money — from you.
- 5OwnershipOwning a thing is not the same as owning a good thing.
- 6LeverageMultipliers work in both directions.
- 7ClaimsAn investment is a claim on future cash. Everything else is a story.
- 8ArithmeticThe maths that decides most of the outcome.
- 9BehaviourThe largest variable in the model is you.
- 10RuinAvoiding zero matters more than raising the average.
- 11NoiseSkill, luck, and why the winners are the wrong people to study.
- 12PredatorsHow people take your money, and why it works on clever people.
- 13FoundingBuilding a business, without the highlight reel.
- 14EnoughWealth is optionality, not a scoreboard.
- 15KeepMost wealth is lost, not missed.
What this will not do
- Promise you will get rich. Most of what decides that is outside anyone’s control, and a course that pretends otherwise is selling something.
- Tell you what to buy. This is education, not advice, and it names no products.
- Skip the part where luck matters. An entire track is about how much of any outcome was never skill.