Money, Investing & the Economy
Column II. Every lesson leaves you with a working thing.
LevelSort
MN-11L1★Building a Budget and a Cash-Flow System→ A working budget from your own real numbers, plus a simple system that runs each weekMN-15L3Building a Portfolio: Asset Allocation and Rebalancing→ Your own written allocation — a target split, an index vehicle per sleeve, and a rebalancing ruleMN-04L1★Compound Interest: The Maths of Time (and of Debt)→ A modelled scenario in a spreadsheet: the same money as savings and as debt, on one chartMN-13L2Credit, Credit Scores and the Maths of Borrowing→ A repayment analysis of one real loan or card — total cost, and the effect of paying more than the minimumMN-09L2Crypto: Where the Technology Ends and the Speculation Begins→ A framework that separates the technology, the token, and the bet for any crypto claimMN-02L2How a Share Gets Priced: Supply, Demand, Market Cap, P/E→ The ability to read a single real stock — its size and the expectation baked into it, not just its priceMN-03L1★Index Funds and ETFs: Why This Is the Right Answer for Most People→ A written comparison of a single stock, an active fund, and an index fund — on cost, spread and evidenceMN-07L2Inflation, Interest Rates and Currency: How the Three Turn Each Other→ A mechanism map connecting inflation, rates and currency — applied to your own real numbersMN-08L1★Opening Your First Investment Account — Including Custodial Accounts Under 18→ An investment account opened (or a custodial one set up with a parent), ready to useMN-06L3★Reading a Company's Financials: Balance Sheet and Income Statement→ One real company analysed from its own filing, with six ratios computed and written upMN-05L2Risk, Volatility and Diversification→ Your own risk profile — horizon, capacity and temperament written down, and a fund's drawdown checked against itMN-14L2★Salary Negotiation: Gross vs Net, Benefits, the Counter-Offer→ A negotiation script for a real (or realistic) offer, with the take-home and total package worked outMN-10L2★The Anatomy of a Scam: Ponzi, Pump and Dump, Signal Groups→ A detection list of the common financial scams, applied to three real examples found onlineMN-12L2The Real Cost of Money: Fees, Spreads and What the Platform Takes→ A fee audit of one account, app or platform you use, with the annual cost — and its long-term compounded cost — calculatedMN-01L1★What Are You Actually Buying When You Buy a Stock?→ The ability to read an order book, and to see a share as ownership