All 83 modules
A module is a few short lessons on one idea, usually one sitting. Here they all are, by subject, in the order Lever teaches them.
Start here2 modules · 14 lessons
Foundations6 modules · 34 lessons
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1
What money actually is
Why money exists at all, the jobs it does for you, and why every price is written in the same currency.
6 lessons -
2
The numbers underneath
Percentages, interest that grows on itself, and the cost of choosing one thing over another. The three ideas everything else leans on.
8 lessons -
3
What keeps money working
Why paper money still buys groceries, and the trust that keeps the whole system running.
5 lessons -
4
A number and a date
Turn “I should save more” into a clear goal with a number and a date, and decide which goal comes first.
5 lessons -
5
Now versus later
Why money today is worth more than money next year, and how to weigh a choice before you make it.
5 lessons -
6
The shape of growth
How long money takes to double, and why small amounts added every month grow faster than you’d think.
5 lessons
Money in, money out10 modules · 63 lessons
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1
What lands in your account
Read your payslip line by line and see where the gap between your salary and your paycheck goes.
5 lessons -
2
Your floor and your slack
Work out the least you need each month, the wiggle room above it, and what to do in a tight month.
13 lessons -
3
The size of a life after work
How much of your income to keep for later in life, and why your working years are the easiest time to build it.
5 lessons -
4
The pension that's already being built for you
What the pension deductions on your payslip are buying you, and what changes if you claim early or keep working.
5 lessons -
5
The costs retirement doesn't warn you about
The retirement costs people forget: relying on one income, what a partner is left with, and health costs that rise later.
5 lessons -
6
When there is no wage
Managing money without a regular paycheck: cash income, gig work, months with nothing coming in, and making savings last.
7 lessons -
7
When the plan stops matching the month
What to do when your budget stops matching real life, including when it’s the budget that needs to change.
6 lessons -
8
Tracking without obsessing
A simple tracking habit you’ll keep, a quick monthly review, and how to stop a raise from quietly disappearing.
6 lessons -
9
Everything you own, minus everything you owe
Your net worth: everything you own minus everything you owe, and why watching it over the years tells you so much.
6 lessons -
10
When the money itself shrinks
How to protect your money when prices rise fast: what to buy ahead, and what inflation does to your debts and your pay.
5 lessons
Saving9 modules · 54 lessons
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1
The fund that catches you
Build a small emergency fund first, know what really counts as an emergency, and refill it after you use it.
5 lessons -
2
Money with a name on it
Give your savings a job, plan for more than one goal at a time, and work backward from a date to a monthly amount.
9 lessons -
3
So it doesn't depend on a good month
Keep saving even when your income goes up and down, with an honest average and a plan that runs on its own.
5 lessons -
4
Three ways to divide a month
Three popular ways to budget, including 50/30/20 and envelopes, and how to pick the one you’ll actually stick with.
6 lessons -
5
Running a tanda
How savings circles like tandas work, what your turn in line is worth, and what to check before you join one.
8 lessons -
6
Money sent home
The hidden costs of sending money abroad, and how to get more of it to the people who need it.
6 lessons -
7
The money that shows up all at once
Make the most of a bonus or refund: decide what it’s for before it arrives, and when paying off debt is the better move.
5 lessons -
8
When your own money buys less each month
Why money that just sits loses value when prices rise, and the one comparison your bank’s ads never show you.
5 lessons -
9
What the app does with your spare change
How round-up saving apps really work, who is holding your money, and the fee that can wipe out what you saved.
5 lessons
Banking5 modules · 31 lessons
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1
Lending to people you know
Lending to friends and family, cosigning a loan, and what it can really cost you.
6 lessons -
2
What a bank actually does
What a bank does with your money, how it makes a living, and how to choose between a bank, a credit union and an online bank.
5 lessons -
3
Where the money sits
Checking, savings, fixed-term deposits and more: what each account pays, how easy it is to reach, and when switching is worth it.
8 lessons -
4
What borrowing costs
What a loan is made of, what the yearly rate means, and why paying only the minimum costs so much.
5 lessons -
5
Moving money in and out
Getting paid, using ATMs, overdrafts, and the real difference between debit and credit cards.
7 lessons
Credit & debt8 modules · 54 lessons
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1
What a balance actually costs
How credit cards charge interest, when carrying a balance is free, and when it starts costing you every day.
9 lessons -
2
The number they look you up by
What your credit score is, what goes into your credit report, and the habits that move the number most.
8 lessons -
3
What a loan is made of
Where each loan payment goes, the fees hiding outside the rate, and how to compare two offers fairly.
7 lessons -
4
Which debts are worth it
Secured versus unsecured debt, borrowing that builds something versus borrowing that doesn’t, and loans built to trap you.
7 lessons -
5
Clearing what you owe
Two proven ways to pay off debt, the cheapest and the easiest to stick with, plus how balance transfers work.
6 lessons -
6
Changing the deal you already signed
Your debt isn’t set in stone. Negotiating, refinancing and consolidating, and what each one costs.
5 lessons -
7
What the loan actually bought
When a car or a degree loses value faster than the loan shrinks, and how to avoid owing more than something is worth.
7 lessons -
8
Paying in pieces
Buy now, pay later and interest-free instalments: when they’re really free, and when they get expensive fast.
5 lessons
Investing11 modules · 72 lessons
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1
Why money cannot sit still
Why cash slowly loses value, what it means to put money to work, and which money shouldn’t be invested at all.
7 lessons -
2
What risk actually is
What risk really means, why higher returns come with bigger swings, and how much ups and downs you can live with.
9 lessons -
3
What you can actually own
Stocks, bonds, funds and index funds explained, plus the yearly fee that never sends you a bill.
10 lessons -
4
Actually starting
Open the account, start small, invest a set amount on a schedule, and keep an eye on fees.
7 lessons -
5
The days you cannot pick
Why staying invested usually beats trying to time the market, and why the latest news is a poor guide.
5 lessons -
6
The account with a tax break
Retirement accounts with tax breaks, free money from an employer match, and paying tax now or later.
5 lessons -
7
Limits, locks and deadlines
How much you can put into tax-advantaged accounts, the cost of taking money out early, and the deadlines to know.
6 lessons -
8
Moving it and naming it
What happens to your retirement account when you change jobs, and accounts meant for one specific purpose.
5 lessons -
9
Spending what you saved
How much you can take out each year in retirement without running out, and why the order of good and bad years matters.
5 lessons -
10
The mix that shifts
Choosing your mix of investments, rebalancing when it drifts, and all-in-one funds that do it for you.
7 lessons -
11
Choosing where it goes
Which account to fill first, which investments to keep where, and how to do it all if you work for yourself.
6 lessons
Investments5 modules · 25 lessons
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1
What a return is made of
The three ways an investment can pay you back, and what it costs to turn it back into cash.
5 lessons -
2
Metal, and what people collect
Gold, silver, raw materials and collectibles: what you really pay for them, and the paper versions that skip the storage.
5 lessons -
3
A holding with no issuer
What crypto is, how stablecoins try to hold a steady price, and how much of something this risky you can afford to own.
5 lessons -
4
A building, or a piece of one
Owning a rental property, real estate funds, and why a property is only worth what someone will pay for it.
5 lessons -
5
A piece of one company, not many
Owning single stocks versus funds, reading a stock quote, and the part of the return a price chart doesn’t show.
5 lessons
Taxes6 modules · 36 lessons
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1
The part that is not yours
Why we pay taxes, what income they’re worked out on, and how to set tax aside yourself when no one does it for you.
5 lessons -
2
What your rate really is
How tax brackets really work, and the difference between the rate on extra income and the rate you actually paid.
5 lessons -
3
What you can subtract
Tax deductions versus tax credits, the standard amount versus itemizing, and keeping proof for your claims.
8 lessons -
4
The paperwork year
Filing your tax return: who needs to, when it’s due, whether to pay for help, and how to fix a mistake.
7 lessons -
5
What was already taken
The tax taken from your paycheck, why it’s never exactly right, and how it gets squared up at the end of the year.
5 lessons -
6
Money that is not wages
How tax works on investment gains, losses and dividends, and how a loss can lower the tax on a gain.
6 lessons
Insurance4 modules · 25 lessons
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1
When something goes wrong
How insurance works: premiums, deductibles, filing a claim, and the gaps public coverage leaves.
9 lessons -
2
Covering yourself before you can afford to
Protecting yourself before you can afford a policy: the risks that matter most and what to build toward first.
5 lessons -
3
What a policy is for
Liability cover, life insurance for the people who rely on you, and the fine print about what a policy won’t pay for.
5 lessons -
4
What you still pay
Copays, coinsurance and your yearly maximum, and why the cheapest monthly price isn’t always the cheapest year.
6 lessons
Money & mind4 modules · 30 lessons
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1
What money does to your head
Emotional spending, the stress of having too little, and how to spend on what you value without guilt.
10 lessons -
2
Money and the people around you
Talking money with a partner or family, when one saves and one spends, and saying no kindly.
9 lessons -
3
The gap between wanting and buying
Why we buy on impulse, how stores nudge you, and simple ways to buy only what you really want.
6 lessons -
4
Passing it on
Beneficiaries, wills made simple, and giving to the causes you care about.
5 lessons
Your own hustle3 modules · 21 lessons
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1
Working for yourself
How self-employed income works, keeping business money separate, and pricing your work.
5 lessons -
2
Is it a business yet?
When a side hustle becomes a business: profit margins, bookkeeping and cash flow.
8 lessons -
3
Running it without it running you
A cushion for slow months, borrowing wisely, going official, paying helpers, and paying yourself a steady amount.
8 lessons
Big decisions4 modules · 26 lessons
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1
Renting your first place
How much rent you can afford, deposits, leases, splitting rent fairly, and renter’s insurance.
7 lessons -
2
The number you can move
Negotiating your salary and big purchases, leasing versus buying, and the questions to ask first.
7 lessons -
3
Buying a home
Mortgages, pre-approval, home equity, and fixed versus adjustable rates.
7 lessons -
4
What a home really costs
Closing costs, mortgage insurance and all the costs of owning that never show up on the listing.
5 lessons
Staying safe4 modules · 24 lessons
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1
Before you hand anything over
How to spot a scam, phishing messages, fake friends and “pay to get paid” offers, and what to do right after you’ve paid.
7 lessons -
2
When something smells wrong
Ponzi and pyramid schemes, misleading numbers, fake investing apps, and services built to be hard to cancel.
6 lessons -
3
When the deal is the trap
Legal deals designed to work against you, like rent-to-own and loans that hide their real cost.
5 lessons -
4
Locking it down
Two-step sign-in, safer payments, protecting your identity, and what you share online.
6 lessons
Economics you can use2 modules · 10 lessons
Pick one and go
Lever works out what you already know, so starting in the middle is fine.