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Pillar II · MN

Money, Investing & the Economy

Re-checked every 180 days15 lessons · 15 live
L1MN-01L1What Are You Actually Buying When You Buy a Stock? The ability to read an order book, and to see a share as ownership
L2MN-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 price
L1MN-03L1Index 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 evidence
L1MN-04L1Compound Interest: The Maths of Time (and of Debt) A modelled scenario in a spreadsheet: the same money as savings and as debt, on one chart
L2MN-05L2Risk, Volatility and Diversification Your own risk profile — horizon, capacity and temperament written down, and a fund's drawdown checked against it
L3MN-06L3Reading a Company's Financials: Balance Sheet and Income Statement One real company analysed from its own filing, with six ratios computed and written up
L2MN-07L2Inflation, Interest Rates and Currency: How the Three Turn Each Other A mechanism map connecting inflation, rates and currency — applied to your own real numbers
L1MN-08L1Opening Your First Investment Account — Including Custodial Accounts Under 18 An investment account opened (or a custodial one set up with a parent), ready to use
L2MN-09L2Crypto: Where the Technology Ends and the Speculation Begins A framework that separates the technology, the token, and the bet for any crypto claim
L2MN-10L2The Anatomy of a Scam: Ponzi, Pump and Dump, Signal Groups A detection list of the common financial scams, applied to three real examples found online
L1MN-11L1Building a Budget and a Cash-Flow System A working budget from your own real numbers, plus a simple system that runs each week
L2MN-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 — calculated
L2MN-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 minimum
L2MN-14L2Salary 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 out
L3MN-15L3Building a Portfolio: Asset Allocation and Rebalancing Your own written allocation — a target split, an index vehicle per sleeve, and a rebalancing rule