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Level 1 · Awareness
My Money, My Reality
Money habits, cash flow basics, mindset, and trade-offs
“I can see where my money goes and name the choice I am making.”
4 modules · about 200 minNo prerequisite
- Open module
Module 001
Your Money, Your Choices
Give $100 a Plan; then responsibilities before extras.
48 min · No prerequisite
- 1.1 · Give $100 a PlanAssign a finite amount to purposes and name the specific next-best alternative forgone. · 24 min
- 1.2 · Responsibilities Before ExtrasFund stated obligations first, then allocate what remains among choices. · 24 min
- Open module
Module 002
Spot Your Money Habits
Notice Your Spending Triggers; then build one useful habit.
49 min · Complete module 001
- 2.1 · Notice Your Spending TriggersRead a seven-day diary, identify repeated triggers, and test realistic alternatives. · 25 min
- 2.2 · Build One Useful HabitDesign a small cue-action-review experiment with a privacy-safe fictional option. · 24 min
- Open module
Module 003
Cash Flow in Real Life
Money In and Money Out; then balance and timing.
52 min · Complete module 002
- 3.1 · Money In and Money OutTrack money entering and leaving, then calculate a running balance step by step. · 25 min
- 3.2 · Balance and TimingUse a calendar and ledger to find a mid-month shortage hidden by a positive monthly total. · 27 min
- Open module
Module 004
Trade-offs Without Regret
Needs Depend on the Situation; then compare two realistic choices.
51 min · Complete module 003
- 4.1 · Needs Depend on the SituationUse context and evidence to distinguish required functions from optional upgrades. · 24 min
- 4.2 · Compare Two Realistic ChoicesCompare two options using available money, commitments, time, goals, and one specific opportunity cost. · 27 min