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Finances
The arithmetic of an ordinary life: where the money goes, what it costs to borrow, what the government takes, and what happens to the part you manage to keep. Seven chapters, each worked through a handful of problems.
- Chapter 1Lesson ready
Budgeting & Cash Flow
- Splitting take-home pay into needs, wants and savings.
- Take-home versus salary, and what a month actually carries.
- Cash flow: the lowest the balance gets, not the total.
- What counts as a need.
- Chapter 2Lesson ready
Banking & Checking
- Running a balance in order, one transaction at a time.
- Available versus current: holds and pending charges.
- What the bank pays you, and what it charges.
- Chapter 3Lesson ready
Credit & Credit Scores
- Turning an APR into a daily periodic rate.
- The minimum payment, and the years it buys.
- The five parts of a credit score, and utilization.
- What a score is worth on a car loan.
- Chapter 4Lesson ready
Auto & Student Loans
- The amortization formula, and what each part of it does.
- Where each payment goes, month by month.
- The length of a loan and the price of it.
- Student loans and interest that capitalises.
- Chapter 5Lesson ready
Taxes
- Filling brackets in order rather than picking one.
- Deductions, and why taxable income is smaller than income.
- Withholding, FICA, and the refund.
- A deduction against a credit.
- Chapter 6Lesson ready
Investing & Retirement
- Compounding as repeated multiplication, not repeated addition.
- The rule of 72.
- Monthly contributions, and what one percent of fees costs.
- 401(k), IRA and Roth, and the employer match.
- Chapter 7Lesson ready
Insurance
- Deductible, co-insurance, maximum — in that order.
- The premium, and comparing two plans a year at a time.
- Car insurance, and choosing a deductible.
- When to buy insurance at all.
7 chapters · no exam, no answer key