Level 4 · Decision Making
Charting the Course
Goals, complete costs, borrowing, purchases, and financial cushions
“I can compare my options and choose a path that fits my priorities.”
The same practical money lessons, with added reflections on purpose, integrity, gratitude, and how our choices affect others. Included at no extra cost. Switch anytime.
Core Lessons view.- Open module
Module 014
Save With a Purpose
Set a reachable savings target; then adjust when plans change.
44 min · Complete module 013
- 14.1 · Set a Reachable Savings TargetTurn a goal into a gap, a weekly contribution, and a date. · 22 min
- 14.2 · Adjust When Plans ChangeRevise a goal's date, size, or funding when the contribution has to drop. · 22 min
- Open module
Module 015
Smart Spending Decisions
Price a purchase in hours; then compare recurring versus one-time costs.
44 min · Complete module 014
- 15.1 · Price a Purchase in HoursConvert a price into working hours and weigh it against the next-best alternative. · 22 min
- 15.2 · Recurring Versus One-Time CostsCompare a subscription to a purchase across the period you will actually use it. · 22 min
- Open module
Module 016
Comparison Shopping
Compare the total delivered price; then read the terms before you buy.
44 min · Complete module 015
- 16.1 · Compare the Total Delivered PriceJudge offers on delivered cost, unit price, and how long the thing lasts. · 22 min
- 16.2 · Read the Terms Before You BuyCheck returns, warranties, trials, and pressure tactics before money moves. · 22 min
- Open module
Module 017
Borrowing Basics
What financing really costs; then minimum payments and overlapping plans.
48 min · Complete module 016
- 17.1 · What Financing Really CostsCompare paying cash to paying monthly, and understand what APR does and does not mean. · 24 min
- 17.2 · Minimum Payments and Overlapping PlansSee how a minimum payment barely moves a balance, and how small plans stack up. · 24 min
- Open module
Module 018
Protect Yourself
Build a small cushion; then how insurance shares risk.
46 min · Complete module 017
- 18.1 · Build a Small CushionSeparate emergencies from predictable irregular costs and start a cushion that fits your income. · 22 min
- 18.2 · How Insurance Shares RiskRead premium, deductible, limits, and exclusions, then compare coverage to self-insuring. · 24 min