Money, explained by people still learning it.
Short, honest write-ups from the youth team — budgeting, saving, investing, and the habits that compound. The same lessons we teach in our workshops, written down.
- 01
What a Dollar Actually Is
Money isn't wealth — it's a claim on it. Here's where a dollar comes from, and why that matters before you spend one.
Module 01 · Money basics
- 02
The Envelope Method
Budgeting fails because it's abstract. Splitting money into jobs the moment it arrives fixes that — no spreadsheet required.
Module 02 · Budgeting & saving
- 03
Where Your Money Sleeps: Banks vs. Credit
A bank stores your money. A credit card lends you someone else's. Knowing the difference is the difference between interest working for you or against you.
Module 03 · Banks vs. credit
- 04
The $2 Coffee That Could Cost You $31,000
Compound interest is the most powerful force in your money — and it works for whoever is patient. Here's the math that makes wealth, and the math that takes it.
Module 04 · Compound interest
- 05
Your First Paycheck, Explained
Why your $15/hour job doesn't pay you $15/hour — taxes, withholding, and the difference between what you earn and what you keep.
Module 05 · Earning
- 06
The Long Game: Why Patience Is the Cheat Code
Generational wealth isn't built by picking winners. It's built by ordinary people who started early, stayed in, and refused to panic.
Module 06 · The long game
- 07
Money's Three Jobs
Medium of exchange, store of value, unit of account — why anything counts as money, and what happens when one of those jobs breaks.
Economics · Medium of exchange
- 08
Opportunity Cost: The Real Price of Everything
The true cost of any choice isn't the money — it's the best thing you gave up to make it. Once you see it, you can't unsee it.
Economics · Opportunity cost
- 09
Supply, Demand, and Why Prices Move
Nobody sets the 'right' price — it emerges from a tug-of-war between how much exists and how much people want it. Here's the mechanism.
Economics · Supply & demand
- 10
Inflation: Why Your Dollar Shrinks
Your grandparents' $5 went much further than yours. That's inflation — a macro force that quietly taxes cash and rewards the invested.
Economics · Inflation