Money Skills Nobody Taught You

Courses in this academy

Academy lesson outline

1. Why School Never Taught You Money · 10 min
2. The Money Beliefs That Are Keeping You Broke · 11 min
3. How Your Upbringing Shaped Your Financial Habits · 11 min
4. The Scarcity Trap: Why Poor Thinking Keeps People Poor · 12 min
5. What Money Actually Is — and What It Is Not · 10 min
6. The Wealth Gap: Why Some People Build It and Others Don't · 11 min
7. Your Money Personality Type · 11 min
8. The Cost of Financial Ignorance · 12 min
9. Setting Your Financial North Star · 10 min
10. Writing Your Personal Money Manifesto · 12 min
11. The Shocking Truth About Where Your Money Goes · 11 min
12. How to Track Every Naira/Dollar You Spend · 11 min
13. Fixed vs Variable Expenses: Understanding Your Money Map · 10 min
14. The 30-Day Spending Audit · 12 min
15. Needs, Wants, and Wishes: The Three-Tier System · 10 min
16. Subscriptions, Leaks, and Silent Budget Killers · 10 min
17. How Lifestyle Inflation Destroys Wealth Quietly · 11 min
18. Cash, Card, or Transfer: How Payment Method Affects Spending · 10 min
19. Building Your Personal Spending Dashboard · 11 min
20. Your First Month: What the Data Reveals About You · 12 min
21. Why Most Budgets Fail Within Two Weeks · 11 min
22. The 50/30/20 Rule Explained and Adapted for Nigeria · 11 min
23. Zero-Based Budgeting: Give Every Naira a Job · 11 min
24. The Envelope System: Old School, Still Works · 10 min
25. Building Your First Real Monthly Budget · 12 min
26. Budgeting on an Irregular Income · 11 min
27. The Family Budget: When Multiple People Share One Wallet · 11 min
28. Adjusting Your Budget When Life Changes · 10 min
29. Annual Budget Planning: Seeing the Full Year · 11 min
30. Making Your Budget Automatic · 12 min
31. The Lie of 'I'll Save What's Left' · 10 min
32. Pay Yourself First: The Foundational Rule of Saving · 11 min
33. Building Your Emergency Fund From Scratch · 11 min
34. How Much Should You Actually Be Saving? · 10 min
35. The High-Yield Savings Question: Where to Park Your Money · 11 min
36. Saving for Specific Goals: The Sinking Fund System · 10 min
37. The 52-Week Savings Challenge and Other Habit Builders · 10 min
38. Saving vs Investing: Knowing Which One to Choose When · 11 min
39. How to Save When You Feel Like You Have Nothing to Save · 11 min
40. Protecting Your Savings From Yourself · 11 min
41. What Debt Really Costs You: The Hidden Price of Borrowing · 11 min
42. Good Debt vs Bad Debt: The Difference That Matters · 10 min
43. How Nigerian Lending Really Works: Banks, Apps, and Ajo · 11 min
44. Credit Scores Explained: What They Are and Why They Matter · 10 min
45. The Debt Snowball Method: Small Wins That Build Momentum · 11 min
46. The Debt Avalanche Method: Mathematically Fastest Route Out · 10 min
47. Negotiating With Lenders and Reducing What You Owe · 11 min
48. Avoiding the Loan App Trap · 10 min
49. How to Never Go Back Into Debt Once You're Out · 11 min
50. Debt Freedom: What to Do With the Money You Free Up · 12 min
51. Banking 101: What Your Bank Actually Does With Your Money · 11 min
52. Choosing the Right Bank Account for Your Life · 10 min
53. Bank Charges and Hidden Fees You Should Stop Paying · 10 min
54. Digital Banking, Fintechs, and the New Financial Stack · 11 min
55. How Tax Works for Employees in Nigeria · 11 min
56. How Tax Works for Self-Employed and Business Owners · 11 min
57. Legal Ways to Reduce the Tax You Pay · 10 min
58. Foreign Currency Accounts and Dollar Savings · 10 min
59. Financial Record Keeping: What to Keep and Why · 10 min
60. Understanding Your Payslip Completely · 12 min
61. Why You Must Invest: Inflation Is Eating Your Savings · 11 min
62. How Compound Interest Works and Why It Changes Everything · 11 min
63. Risk vs Return: The Fundamental Trade-off Every Investor Faces · 11 min
64. Asset Classes Explained: Where You Can Put Your Money · 11 min
65. The Nigerian Exchange Group: What It Is and How to Use It · 11 min
66. Investing in US Stocks From Nigeria · 11 min
67. Treasury Bills and Government Bonds: The Safe Starting Point · 10 min
68. Mutual Funds and ETFs: Investing Without Picking Stocks · 11 min
69. Real Estate Investment Trusts (REITs): Property Without the Property · 10 min
70. Building Your First Investment Portfolio · 12 min
71. Why Protection Comes Before More Wealth · 11 min
72. Health Insurance in Nigeria: What It Covers and How to Get It · 11 min
73. Life Insurance: Protecting the People Who Depend on You · 11 min
74. Property and Asset Insurance: Protecting What You Have Built · 10 min
75. Writing Your Will: Why Every Nigerian Adult Needs One · 11 min
76. Protecting Your Money From Fraud and Scams · 11 min
77. Pension and Retirement: Understanding Your RSA · 11 min
78. Income Protection: What Happens If You Cannot Work? · 10 min
79. Protecting Your Business: Insurance and Succession Planning · 10 min
80. Building Financial Resilience: The Complete Protection Checklist · 12 min
81. The Wealth-Building Phase: What Changes When You Have the Foundation · 11 min
82. Growing Your Income Beyond the Salary Ceiling · 11 min
83. Building Multiple Income Streams: From One Source to Many · 11 min
84. Starting and Growing a Business That Builds Wealth · 12 min
85. Net Worth: Understanding, Measuring, and Growing It · 10 min
86. Real Estate as a Wealth Builder in Nigeria · 12 min
87. Accelerating Your Investment Portfolio: From Beginner to Builder · 11 min
88. The Psychology of Long-Term Wealth Building · 11 min
89. Teaching Your Children About Money: Building the Next Generation's Financial Foundation · 10 min
90. Building Generational Wealth in Nigeria · 12 min
91. What Financial Freedom Actually Means · 9 min
92. Calculating Your Freedom Number · 10 min
93. Building Passive Income in Nigeria · 10 min
94. Making Employment Optional: The Transition Plan · 9 min
95. What a Financially Free Life Actually Looks Like · 9 min
96. Protecting What You Have Built · 9 min
97. Your Complete Financial Life Review · 11 min
98. Money and Meaning: Designing a Life Worth Building · 10 min
99. The 10 Money Rules to Live By · 9 min
100. The Journey Continues: Your Financial Life from Here · 11 min

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