52-Week Course Syllabus

52-Week Financial Guide

364 daily lessons organized into 52 themed weeks. Week 1 is free to preview -- subscribe to unlock the full course.

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Week 1 FREE PREVIEW 7 days
  1. Day 1 Week 1 Day 1: A Budget Is Awareness Preview →
  2. Day 2 Week 1 Day 2: Needs vs. Wants Preview →
  3. Day 3 Week 1 Day 3: Fixed, Variable, and Discretionary Preview →
  4. Day 4 Week 1 Day 4: The Raise Trick Preview →
  5. Day 5 Week 1 Day 5: Why Most Budgets Fail Preview →
  6. Day 6 Week 1 Day 6: Budgeting in Retirement Preview →
  7. Day 7 Week 1 Day 7: The One-Page Budget Preview →
Week 2 7 days
  1. Day 8 Week 2 Day 1: The Dollars That Matter Most
  2. Day 9 Week 2 Day 2: $100 a Month Changes Everything
  3. Day 10 Week 2 Day 3: Wants Disguised as Needs
  4. Day 11 Week 2 Day 4: Redirect, Don't Restrict
  5. Day 12 Week 2 Day 5: The Gap Is Your Engine
  6. Day 13 Week 2 Day 6: Track for One Month
  7. Day 14 Week 2 Day 7: Small Redirections Compound
Week 3 7 days
  1. Day 15 Week 3 Day 1: Interest on Interest
  2. Day 16 Week 3 Day 2: The Harvest Analogy
  3. Day 17 Week 3 Day 3: The Trees Do the Work
  4. Day 18 Week 3 Day 4: Compounding Is Simple, Not Magical
  5. Day 19 Week 3 Day 5: Time Plus Consistency
  6. Day 20 Week 3 Day 6: The Earlier You Start
  7. Day 21 Week 3 Day 7: Replant, Don't Harvest
Week 4 7 days
  1. Day 22 Week 4 Day 1: The Simplest Shortcut in Finance
  2. Day 23 Week 4 Day 2: Double at 7%, Double Again
  3. Day 24 Week 4 Day 3: The Savings Account Reality
  4. Day 25 Week 4 Day 4: The Rule of 72 Works Against You Too
  5. Day 26 Week 4 Day 5: Three Doubles Changes Everything
  6. Day 27 Week 4 Day 6: Use It at the Dinner Table
  7. Day 28 Week 4 Day 7: The Best Mental Shortcut You Will Ever Learn
Week 5 7 days
  1. Day 29 Week 5 Day 1: A Penny or a Million?
  2. Day 30 Week 5 Day 2: The First 20 Days Feel Like Failure
  3. Day 31 Week 5 Day 3: Stopping at Day 27 Cost You $2.7 Million
  4. Day 32 Week 5 Day 4: Why Your Brain Gets It Wrong
  5. Day 33 Week 5 Day 5: The Grain of Rice on the Chessboard
  6. Day 34 Week 5 Day 6: Exponential Thinking as a Life Skill
  7. Day 35 Week 5 Day 7: Your Portfolio Is a Penny on Day 1
Week 6 7 days
  1. Day 36 Week 6 Day 1: $5 a Day Changes Everything
  2. Day 37 Week 6 Day 2: The $100/Month Investor
  3. Day 38 Week 6 Day 3: Automate It and Forget It
  4. Day 39 Week 6 Day 4: Your Raise Is an Investment Opportunity
  5. Day 40 Week 6 Day 5: The $50 Challenge
  6. Day 41 Week 6 Day 6: Small and Consistent Beats Large and Sporadic
  7. Day 42 Week 6 Day 7: You Are Already Spending Enough to Be Rich
Week 7 7 days
  1. Day 43 Week 7 Day 1: What Is the S&P 500?
  2. Day 44 Week 7 Day 2: 10% Average, Not 10% Every Year
  3. Day 45 Week 7 Day 3: Every 20-Year Period Has Been Positive
  4. Day 46 Week 7 Day 4: You Do Not Need to Pick Stocks
  5. Day 47 Week 7 Day 5: How to Actually Buy the S&P 500
  6. Day 48 Week 7 Day 6: The Self-Cleaning Index
  7. Day 49 Week 7 Day 7: One Fund Can Be Enough
Week 8 7 days
  1. Day 50 Week 8 Day 1: What Is a Dividend?
  2. Day 51 Week 8 Day 2: DRIP: The One Checkbox That Matters
  3. Day 52 Week 8 Day 3: 85% of the Market's Return Came from Reinvested Dividends
  4. Day 53 Week 8 Day 4: Dividends in a Down Market
  5. Day 54 Week 8 Day 5: Dividend Growth: The Raise You Get Automatically
  6. Day 55 Week 8 Day 6: Do Not Spend Your Dividends Until You Retire
  7. Day 56 Week 8 Day 7: The Snowball Rolls Faster Every Year
Week 9 7 days
  1. Day 57 Week 9 Day 1: Your Money Is Shrinking Right Now
  2. Day 58 Week 9 Day 2: The Grocery Store Does Not Lie
  3. Day 59 Week 9 Day 3: Cash Is Melting
  4. Day 60 Week 9 Day 4: Stocks Have Beaten Inflation for 200 Years
  5. Day 61 Week 9 Day 5: The 3% Invisible Tax
  6. Day 62 Week 9 Day 6: Nominal vs. Real Returns
  7. Day 63 Week 9 Day 7: Invest to Stay Even, Invest More to Get Ahead
Week 10 7 days
  1. Day 64 Week 10 Day 1: One Percent Sounds Small. It Is Not.
  2. Day 65 Week 10 Day 2: Where Fees Hide
  3. Day 66 Week 10 Day 3: 0.03% vs 1.0%: The $400,000 Gap
  4. Day 67 Week 10 Day 4: Financial Advisors: Do the Math
  5. Day 68 Week 10 Day 5: The Expense Ratio Is the Only Number That Matters
  6. Day 69 Week 10 Day 6: Check Your 401(k) Fees Today
  7. Day 70 Week 10 Day 7: Fees Are the One Thing You Can Control
Week 11 7 days
  1. Day 71 Week 11 Day 1: How Much Is Enough to Retire?
  2. Day 72 Week 11 Day 2: 25x Your Expenses, Not Your Income
  3. Day 73 Week 11 Day 3: The Power of Lowering Expenses
  4. Day 74 Week 11 Day 4: The 4% Rule Has Limits
  5. Day 75 Week 11 Day 5: Your Number Is Closer Than You Think
  6. Day 76 Week 11 Day 6: Track Your Progress by Percentage
  7. Day 77 Week 11 Day 7: The 4% Rule Is Freedom Math
Week 12 7 days
  1. Day 78 Week 12 Day 1: The Order of Returns Matters
  2. Day 79 Week 12 Day 2: Bad Years Early Can Be Fatal
  3. Day 80 Week 12 Day 3: The Retirement Red Zone
  4. Day 81 Week 12 Day 4: The Cash Bucket Strategy
  5. Day 82 Week 12 Day 5: Flexibility Is Your Best Defense
  6. Day 83 Week 12 Day 6: The First Decade Determines Everything
  7. Day 84 Week 12 Day 7: Sequence Risk in Reverse: Your Superpower During Accumulation
Week 13 7 days
  1. Day 85 Week 13 Day 1: You Now Know More Than 90% of People
  2. Day 86 Week 13 Day 2: The Three Things That Actually Matter
  3. Day 87 Week 13 Day 3: Your Savings Rate Is Your Superpower
  4. Day 88 Week 13 Day 4: What Q2 Will Teach You
  5. Day 89 Week 13 Day 5: The Checklist So Far
  6. Day 90 Week 13 Day 6: The Cost of Waiting One More Year
  7. Day 91 Week 13 Day 7: You Are Ready for the Next Level
Week 14 7 days
  1. Day 92 Week 14 Day 1: Same Investment, Different Container, Different Result
  2. Day 93 Week 14 Day 2: The 401(k): Your Employer's Gift
  3. Day 94 Week 14 Day 3: The Roth IRA: Tax-Free Forever
  4. Day 95 Week 14 Day 4: The Taxable Brokerage: Freedom with a Tax Bill
  5. Day 96 Week 14 Day 5: The Order of Operations
  6. Day 97 Week 14 Day 6: Asset Location: The Right Investment in the Right Account
  7. Day 98 Week 14 Day 7: You Need All Three Containers
Week 15 7 days
  1. Day 99 Week 15 Day 1: The Tax Break Now vs Tax Break Later Debate
  2. Day 100 Week 15 Day 2: The Roth Conversion Ladder
  3. Day 101 Week 15 Day 3: The Backdoor Roth: For High Earners
  4. Day 102 Week 15 Day 4: HSA: The Secret Best Retirement Account
  5. Day 103 Week 15 Day 5: The Early Retirement Access Problem
  6. Day 104 Week 15 Day 6: RMDs: The Government Wants Its Money Eventually
  7. Day 105 Week 15 Day 7: Match Your Container to Your Timeline
Week 16 7 days
  1. Day 106 Week 16 Day 1: What a Stock Actually Is
  2. Day 107 Week 16 Day 2: What a Bond Actually Is
  3. Day 108 Week 16 Day 3: The Historical Scoreboard: Stocks Win by a Landslide
  4. Day 109 Week 16 Day 4: Why Bother With Bonds at All?
  5. Day 110 Week 16 Day 5: The Classic 60/40 Portfolio
  6. Day 111 Week 16 Day 6: Total Bond Market vs Individual Bonds
  7. Day 112 Week 16 Day 7: Your Stock-to-Bond Ratio Is the Biggest Decision
Week 17 7 days
  1. Day 113 Week 17 Day 1: Gold Produces Nothing
  2. Day 114 Week 17 Day 2: Gold as Insurance, Not Investment
  3. Day 115 Week 17 Day 3: The S&P 500: 500 Companies Working for You
  4. Day 116 Week 17 Day 4: Inflation-Adjusted: Gold's Real Story
  5. Day 117 Week 17 Day 5: Why People Love Gold (And Why It Feels Right)
  6. Day 118 Week 17 Day 6: How to Own Gold (If You Must)
  7. Day 119 Week 17 Day 7: The Verdict: Stocks for Wealth, Gold for Insurance
Week 18 7 days
  1. Day 120 Week 18 Day 1: The Landlord Fantasy vs the Landlord Reality
  2. Day 121 Week 18 Day 2: REITs: Real Estate Without the Toilet Calls
  3. Day 122 Week 18 Day 3: Leverage: Why Real Estate Feels So Profitable
  4. Day 123 Week 18 Day 4: Your Home Is Not an Investment
  5. Day 124 Week 18 Day 5: REITs vs Physical Property: The Head-to-Head
  6. Day 125 Week 18 Day 6: The REIT Building Blocks: VNQ, SCHH, and VNQI
  7. Day 126 Week 18 Day 7: Real Estate in Your Portfolio: 5-10% Is Plenty
Week 19 7 days
  1. Day 127 Week 19 Day 1: The Average Investor Loses to the Index
  2. Day 128 Week 19 Day 2: Index Funds: The Greatest Financial Innovation
  3. Day 129 Week 19 Day 3: The Only Case for Active: Where Inefficiency Lives
  4. Day 130 Week 19 Day 4: Factor Investing: The Middle Ground
  5. Day 131 Week 19 Day 5: Your Expense Ratio Is Your Most Controllable Cost
  6. Day 132 Week 19 Day 6: The Three-Fund Portfolio
  7. Day 133 Week 19 Day 7: Set It, Forget It, Get Rich Slowly
Week 20 7 days
  1. Day 134 Week 20 Day 1: Growth Stocks: Betting on the Future
  2. Day 135 Week 20 Day 2: Value Stocks: Buying What Others Dislike
  3. Day 136 Week 20 Day 3: The Rotation: Growth and Value Take Turns
  4. Day 137 Week 20 Day 4: Dividend Stocks: The Comfort of Cash Flow
  5. Day 138 Week 20 Day 5: SCHD: The Dividend ETF That Earned Its Cult Following
  6. Day 139 Week 20 Day 6: The Total Return Fallacy: Dividends Are Not Free Money
  7. Day 140 Week 20 Day 7: Own the Whole Market and Stop Debating
Week 21 7 days
  1. Day 141 Week 21 Day 1: Small Caps: Higher Risk, Historically Higher Reward
  2. Day 142 Week 21 Day 2: Large Caps: The Compounding Machines
  3. Day 143 Week 21 Day 3: Mid Caps: The Overlooked Sweet Spot
  4. Day 144 Week 21 Day 4: International Stocks: The Other Half of the World
  5. Day 145 Week 21 Day 5: Emerging Markets: High Growth, High Risk
  6. Day 146 Week 21 Day 6: The Total World Stock Market in One Fund
  7. Day 147 Week 21 Day 7: Size and Geography: Match Your Allocation to Your Timeline
Week 22 7 days
  1. Day 148 Week 22 Day 1: When Rates Go Up, Bond Prices Go Down
  2. Day 149 Week 22 Day 2: The Yield Curve: The Market's Crystal Ball
  3. Day 150 Week 22 Day 3: TIPS: Bonds That Protect Against Inflation
  4. Day 151 Week 22 Day 4: I-Bonds: The Best Deal the Government Offers
  5. Day 152 Week 22 Day 5: The Fed Funds Rate: The Rate That Rules Them All
  6. Day 153 Week 22 Day 6: Duration: Your Bond Portfolio's Risk Dial
  7. Day 154 Week 22 Day 7: Fixed Income in 2024 and Beyond: Finally Worth Owning Again
Week 23 7 days
  1. Day 155 Week 23 Day 1: What Bitcoin Actually Is
  2. Day 156 Week 23 Day 2: Volatility: The Price of Admission
  3. Day 157 Week 23 Day 3: The Bull Case: Digital Gold for the Internet Age
  4. Day 158 Week 23 Day 4: The Bear Case: Speculation Without Substance
  5. Day 159 Week 23 Day 5: If You Buy Bitcoin: Rules for Not Getting Wrecked
  6. Day 160 Week 23 Day 6: Altcoins and Crypto Tokens: 99% Will Go to Zero
  7. Day 161 Week 23 Day 7: Crypto in Your Portfolio: 0-5%, No More
Week 24 7 days
  1. Day 162 Week 24 Day 1: The Lindy Effect: Old Is Stronger Than New
  2. Day 163 Week 24 Day 2: Why 'This Time Is Different' Is Always Wrong
  3. Day 164 Week 24 Day 3: Simple Beats Complex, Every Time
  4. Day 165 Week 24 Day 4: The Survivorship Trap: You Only See the Winners
  5. Day 166 Week 24 Day 5: Narrative vs Numbers: Trust the Data
  6. Day 167 Week 24 Day 6: The KISS Portfolio: Keep Investing Simple, Seriously
  7. Day 168 Week 24 Day 7: Trust the Process: 100 Years of Evidence Says Stay the Course
Week 25 7 days
  1. Day 169 Week 25 Day 1: The Two Ways to Get Cash From Your Portfolio
  2. Day 170 Week 25 Day 2: The 4% Rule Revisited: How Much Can You Spend?
  3. Day 171 Week 25 Day 3: Sequence of Returns Risk: Timing Matters in Retirement
  4. Day 172 Week 25 Day 4: The Bucket Strategy: Organize Your Money by When You Need It
  5. Day 173 Week 25 Day 5: Social Security: Your Government-Backed Annuity
  6. Day 174 Week 25 Day 6: Building a Retirement Paycheck
  7. Day 175 Week 25 Day 7: Your Retirement Number: How Much Is Enough?
Week 26 7 days
  1. Day 176 Week 26 Day 1: SCHD: The Dividend Growth Workhorse
  2. Day 177 Week 26 Day 2: VTI: Own Every American Company in One Fund
  3. Day 178 Week 26 Day 3: SCHH: Real Estate Without the Tenants
  4. Day 179 Week 26 Day 4: VCIT: Corporate Bonds for Steady Income
  5. Day 180 Week 26 Day 5: VTIP: Inflation Protection for Your Bond Allocation
  6. Day 181 Week 26 Day 6: The Five-Fund Portfolio: Putting It Together
  7. Day 182 Week 26 Day 7: Q2 Synthesis: You Now Know More Than Most Financial Advisors
Week 27 7 days
  1. Day 183 Week 27 Day 1: Automate Everything: Remove Yourself From the Equation
  2. Day 184 Week 27 Day 2: Pay Yourself First: The Golden Rule
  3. Day 185 Week 27 Day 3: The Subscription Model: Treat Investing Like Netflix
  4. Day 186 Week 27 Day 4: The Anti-Budget: Automate Saving, Spend the Rest Guilt-Free
  5. Day 187 Week 27 Day 5: The Power of Default Settings
  6. Day 188 Week 27 Day 6: Decision Fatigue: Why You Make Bad Money Choices at Night
  7. Day 189 Week 27 Day 7: The 'Set It and Forget It' Challenge
Week 28 7 days
  1. Day 190 Week 28 Day 1: Dollar Cost Averaging: Buy the Same Amount Every Month
  2. Day 191 Week 28 Day 2: Buy the Dip Is Overrated: Time in Market Beats Timing
  3. Day 192 Week 28 Day 3: Lump Sum vs DCA: The Head vs Heart Decision
  4. Day 193 Week 28 Day 4: Value Averaging: DCA's Smarter Cousin
  5. Day 194 Week 28 Day 5: Reinvestment: The Silent Multiplier
  6. Day 195 Week 28 Day 6: The Aggregation of Marginal Gains: 1% Better Everywhere
  7. Day 196 Week 28 Day 7: Consistency Beats Intensity: The Tortoise Always Wins
Week 29 7 days
  1. Day 197 Week 29 Day 1: The Fear and Greed Index: Measuring Market Emotion
  2. Day 198 Week 29 Day 2: FOMO: The Most Expensive Emotion in Investing
  3. Day 199 Week 29 Day 3: Panic Selling: The Single Worst Financial Decision
  4. Day 200 Week 29 Day 4: Greed in Bull Markets: When Everything Feels Easy
  5. Day 201 Week 29 Day 5: The VIX: Wall Street's Fear Gauge
  6. Day 202 Week 29 Day 6: The Media Amplification Machine
  7. Day 203 Week 29 Day 7: Emotional Audit: Know Your Triggers
Week 30 7 days
  1. Day 204 Week 30 Day 1: Market Timing: The Impossible Dream
  2. Day 205 Week 30 Day 2: The Cost of Being Early (or Late)
  3. Day 206 Week 30 Day 3: The Myth of 'Sell in May and Go Away'
  4. Day 207 Week 30 Day 4: What If You Only Invested at Market Highs?
  5. Day 208 Week 30 Day 5: Bob the World's Worst Market Timer
  6. Day 209 Week 30 Day 6: The Only Timing That Matters: When You Start
  7. Day 210 Week 30 Day 7: Time in Market vs Timing the Market: Case Closed
Week 31 7 days
  1. Day 211 Week 31 Day 1: Every Recession is a Sale on Stocks
  2. Day 212 Week 31 Day 2: Bear Markets: The Price of Admission
  3. Day 213 Week 31 Day 3: The Recovery Always Comes: 100 Years of Proof
  4. Day 214 Week 31 Day 4: What to Actually Do During a Crash
  5. Day 215 Week 31 Day 5: The Upside of Uncertainty
  6. Day 216 Week 31 Day 6: Diversification During Downturns: Your Insurance Policy
  7. Day 217 Week 31 Day 7: Your Crash Journal: Write It Now, Read It Then
Week 32 7 days
  1. Day 218 Week 32 Day 1: The Coffee Can Portfolio: The Power of Doing Nothing
  2. Day 219 Week 32 Day 2: The Tax Advantage of Never Selling
  3. Day 220 Week 32 Day 3: Doing Nothing Is the Hardest Part
  4. Day 221 Week 32 Day 4: The Wealth of Boring Portfolios
  5. Day 222 Week 32 Day 5: The 10-Year Rule: Judge Results, Not Feelings
  6. Day 223 Week 32 Day 6: The Paradox of Patience: The Less You Look, The More You Earn
  7. Day 224 Week 32 Day 7: The Coffee Can Challenge: Five Minutes, Then Walk Away
Week 33 7 days
  1. Day 225 Week 33 Day 1: Sunk Costs: Money Already Spent Cannot Be Unspent
  2. Day 226 Week 33 Day 2: The Endowment Effect: Overvaluing What You Own
  3. Day 227 Week 33 Day 3: Anchoring: Why Your Purchase Price Is Irrelevant
  4. Day 228 Week 33 Day 4: The Escalation of Commitment: Doubling Down on Mistakes
  5. Day 229 Week 33 Day 5: Opportunity Cost: The Road Not Taken
  6. Day 230 Week 33 Day 6: The Break-Even Trap: Bad Math That Feels Right
  7. Day 231 Week 33 Day 7: The Portfolio Detox: Clean Slate Day
Week 34 7 days
  1. Day 232 Week 34 Day 1: Loss Aversion: The 2:1 Pain Ratio
  2. Day 233 Week 34 Day 2: Reference Points: Where You Start Changes Everything
  3. Day 234 Week 34 Day 3: The Disposition Effect: Selling Winners, Holding Losers
  4. Day 235 Week 34 Day 4: Narrow Framing: The Danger of Looking at Each Position Alone
  5. Day 236 Week 34 Day 5: Regret Aversion: The Fear of Being Wrong
  6. Day 237 Week 34 Day 6: Status Quo Bias: Why You Do Not Switch Even When You Should
  7. Day 238 Week 34 Day 7: Using Loss Aversion as a Superpower
Week 35 7 days
  1. Day 239 Week 35 Day 1: Confirmation Bias: The Filter That Distorts Your Financial Reality
  2. Day 240 Week 35 Day 2: The Backfire Effect: Why Evidence Sometimes Strengthens Wrong Beliefs
  3. Day 241 Week 35 Day 3: Survivorship Bias: The Hidden Graveyard of Failed Investments
  4. Day 242 Week 35 Day 4: Narrative Bias: The Story Is Not the Investment
  5. Day 243 Week 35 Day 5: Overconfidence: The Most Dangerous Bias in Finance
  6. Day 244 Week 35 Day 6: Hindsight Bias: Of Course It Was Obvious
  7. Day 245 Week 35 Day 7: The Bias Audit: Checking Your Mental Software for Bugs
Week 36 7 days
  1. Day 246 Week 36 Day 1: Herding: The Instinct to Follow the Crowd
  2. Day 247 Week 36 Day 2: FOMO: The Fear of Missing Out on Gains
  3. Day 248 Week 36 Day 3: Social Proof: Investment Decisions by Popular Vote
  4. Day 249 Week 36 Day 4: Bubble Anatomy: The Four Phases Every Bubble Follows
  5. Day 250 Week 36 Day 5: Contrarian Investing: The Lonely Path That Pays
  6. Day 251 Week 36 Day 6: The Wisdom and Madness of Crowds
  7. Day 252 Week 36 Day 7: Your Herd Immunity Plan: Standing Alone When It Counts
Week 37 7 days
  1. Day 253 Week 37 Day 1: Lifestyle Inflation: The Silent Wealth Killer
  2. Day 254 Week 37 Day 2: The Latte Factor Is Real (When Multiplied by Time)
  3. Day 255 Week 37 Day 3: The True Cost of Objects: Ownership Over Time
  4. Day 256 Week 37 Day 4: The Wealth Equation: Income Minus Spending Equals Freedom
  5. Day 257 Week 37 Day 5: Hedonic Adaptation: The Happiness Treadmill
  6. Day 258 Week 37 Day 6: The Millionaire Next Door: Wealth Is Invisible
  7. Day 259 Week 37 Day 7: The Enough Number: When More Stops Mattering
Week 38 7 days
  1. Day 260 Week 38 Day 1: The Magic Number Myth: $1 Million Is Not What It Used to Be
  2. Day 261 Week 38 Day 2: The Three-Bucket Retirement: Short, Medium, and Long
  3. Day 262 Week 38 Day 3: Retirement Phases: Go-Go, Slow-Go, and No-Go
  4. Day 263 Week 38 Day 4: The Crossover Point: When Passive Income Exceeds Expenses
  5. Day 264 Week 38 Day 5: Retirement Income Sources: Building Multiple Streams
  6. Day 265 Week 38 Day 6: The Retirement Stress Test: What Happens When Things Go Wrong
  7. Day 266 Week 38 Day 7: Your Personal Retirement Dashboard: The Numbers That Matter
Week 39 7 days
  1. Day 267 Week 39 Day 1: Q3 Review: The 13 Cognitive Biases That Steal Your Returns
  2. Day 268 Week 39 Day 2: The Behavioral Alpha Framework: Turning Bias Knowledge into Returns
  3. Day 269 Week 39 Day 3: Fear: The Most Expensive Emotion in Investing
  4. Day 270 Week 39 Day 4: Greed: Fear's Mirror Image and Equally Destructive Twin
  5. Day 271 Week 39 Day 5: The Stoic Investor: Emotional Detachment as a Financial Strategy
  6. Day 272 Week 39 Day 6: The Psychology of Patience: Why Long-Term Wins
  7. Day 273 Week 39 Day 7: Q3 Final: Your Behavioral Investment System
Week 40 7 days
  1. Day 274 Week 40 Day 1: Standard Deviation: The Ruler for Risk
  2. Day 275 Week 40 Day 2: Volatility Drag: Why Losses Hurt More Than Gains Help
  3. Day 276 Week 40 Day 3: Risk vs. Uncertainty: Calculable vs. Unknowable
  4. Day 277 Week 40 Day 4: Maximum Drawdown: The Pain Metric That Matters Most
  5. Day 278 Week 40 Day 5: Beta: How Much Your Portfolio Moves With the Market
  6. Day 279 Week 40 Day 6: Correlation: Why Diversification Actually Works
  7. Day 280 Week 40 Day 7: Building Your Risk Dashboard: Know What You Own
Week 41 7 days
  1. Day 281 Week 41 Day 1: The Sharpe Ratio: How Much Are You Getting Paid to Take Risk?
  2. Day 282 Week 41 Day 2: Risk-Adjusted Returns: The Only Fair Comparison
  3. Day 283 Week 41 Day 3: The Efficient Frontier: Finding Your Optimal Mix
  4. Day 284 Week 41 Day 4: Alpha: The Holy Grail Nobody Can Find
  5. Day 285 Week 41 Day 5: The Cost of Complexity: Why Simple Portfolios Win
  6. Day 286 Week 41 Day 6: Tracking Error: How Far You Deviate From the Market
  7. Day 287 Week 41 Day 7: Putting Risk Metrics to Work: Your Portfolio Report Card
Week 42 7 days
  1. Day 288 Week 42 Day 1: Tax-Loss Harvesting: The Only Silver Lining of a Down Market
  2. Day 289 Week 42 Day 2: The Wash Sale Rule: The IRS Trap You Must Avoid
  3. Day 290 Week 42 Day 3: Tax Lot Accounting: Choosing Which Shares to Sell
  4. Day 291 Week 42 Day 4: Asset Location: Which Investments Go in Which Accounts
  5. Day 292 Week 42 Day 5: Roth Conversions: Paying Tax Now to Avoid It Later
  6. Day 293 Week 42 Day 6: Tax-Efficient Withdrawal Sequencing in Retirement
  7. Day 294 Week 42 Day 7: Your Tax Optimization Checklist: Annual Actions
Week 43 7 days
  1. Day 295 Week 43 Day 1: Two Tax Systems: Why Investment Income Is Taxed Differently
  2. Day 296 Week 43 Day 2: Qualified vs. Non-Qualified Dividends: A Hidden Tax Trap
  3. Day 297 Week 43 Day 3: Tax-Gain Harvesting: The Reverse Strategy Most Investors Miss
  4. Day 298 Week 43 Day 4: The Step-Up in Basis at Death: The Ultimate Tax Strategy
  5. Day 299 Week 43 Day 5: Social Security Taxation: The Stealth Tax Nobody Expects
  6. Day 300 Week 43 Day 6: Medicare IRMAA: The Surcharge You Do Not See Coming
  7. Day 301 Week 43 Day 7: Tax Strategy Synthesis: Your Marginal Dollar Framework
Week 44 7 days
  1. Day 302 Week 44 Day 1: Why 4% Is a Starting Point, Not a Law of Nature
  2. Day 303 Week 44 Day 2: The Cash Buffer: Your Emergency Shock Absorber
  3. Day 304 Week 44 Day 3: Guardrails: Dynamic Withdrawal Rules That Adapt to Markets
  4. Day 305 Week 44 Day 4: The Retirement Spending Smile: Spending Declines With Age
  5. Day 306 Week 44 Day 5: The Bond Tent: Extra Protection Around the Retirement Transition
  6. Day 307 Week 44 Day 6: Income Flooring: Covering Minimum Needs With Guaranteed Money
  7. Day 308 Week 44 Day 7: Your Personal Safe Withdrawal Strategy: Combining All the Tools
Week 45 7 days
  1. Day 309 Week 45 Day 1: Monte Carlo Simulation: Running Your Retirement 10,000 Times
  2. Day 310 Week 45 Day 2: Historical vs. Forward-Looking: Choosing Your Inputs
  3. Day 311 Week 45 Day 3: Historical Backtesting vs. Monte Carlo: Two Ways to Stress-Test
  4. Day 312 Week 45 Day 4: Sensitivity Analysis: Which Variables Matter Most?
  5. Day 313 Week 45 Day 5: The Probability of Ruin vs. the Magnitude of Ruin
  6. Day 314 Week 45 Day 6: Running Your Own Simulation: Free Tools and How to Use Them
  7. Day 315 Week 45 Day 7: Your Simulation Dashboard: The Numbers That Matter
Week 46 7 days
  1. Day 316 Week 46 Day 1: The One-Fund Portfolio: Total Simplicity
  2. Day 317 Week 46 Day 2: The Two-Fund Portfolio: U.S. Stocks and Bonds
  3. Day 318 Week 46 Day 3: The Three-Fund Portfolio: The Bogleheads Classic
  4. Day 319 Week 46 Day 4: The Dividend Growth Portfolio: Income That Increases Every Year
  5. Day 320 Week 46 Day 5: The All-Weather Portfolio: Prepared for Any Season
  6. Day 321 Week 46 Day 6: The Factor-Tilted Portfolio: Weighting Toward Historical Winners
  7. Day 322 Week 46 Day 7: Choosing Your Portfolio Strategy: A Decision Framework
Week 47 7 days
  1. Day 323 Week 47 Day 1: What Rebalancing Is and Why It Matters
  2. Day 324 Week 47 Day 2: Calendar vs. Threshold Rebalancing: Two Approaches
  3. Day 325 Week 47 Day 3: Tax-Smart Rebalancing: Avoiding the Tax Drag
  4. Day 326 Week 47 Day 4: Rebalancing in Retirement: When You Are Withdrawing, Not Contributing
  5. Day 327 Week 47 Day 5: The Emotional Cost of Rebalancing: Why Most People Fail
  6. Day 328 Week 47 Day 6: Rebalancing With Multiple Accounts: The Whole-Portfolio View
  7. Day 329 Week 47 Day 7: Your Rebalancing Checklist: A System That Runs Itself
Week 48 7 days
  1. Day 330 Week 48 Day 1: Social Security Basics: How the System Works
  2. Day 331 Week 48 Day 2: When to Claim: 62 vs. 67 vs. 70
  3. Day 332 Week 48 Day 3: The Bridge Strategy: Using Savings to Delay Claiming
  4. Day 333 Week 48 Day 4: Spousal and Survivor Benefits: Protecting Your Partner
  5. Day 334 Week 48 Day 5: Social Security and Taxes: The Stealth Tax Bracket
  6. Day 335 Week 48 Day 6: Social Security and Early Retirement: The FIRE Angle
  7. Day 336 Week 48 Day 7: Your Social Security Strategy: Making the Claiming Decision
Week 49 7 days
  1. Day 337 Week 49 Day 1: Why Estate Planning Matters Even If You Are Not Rich
  2. Day 338 Week 49 Day 2: Wills vs. Trusts: Which Do You Need?
  3. Day 339 Week 49 Day 3: Beneficiary Designations: The Override Nobody Checks
  4. Day 340 Week 49 Day 4: The Federal Estate Tax: Why Most People Should Not Worry
  5. Day 341 Week 49 Day 5: Powers of Attorney: Protecting Yourself While You Are Alive
  6. Day 342 Week 49 Day 6: The Step-Up in Basis: A Massive Tax Break at Death
  7. Day 343 Week 49 Day 7: Your Estate Planning Checklist: The Documents That Protect Your Family
Week 50 7 days
  1. Day 344 Week 50 Day 1: Insurance as Risk Transfer: What It Is and Is Not
  2. Day 345 Week 50 Day 2: Health Insurance: The Biggest Financial Risk in America
  3. Day 346 Week 50 Day 3: Life Insurance: Replacing Income Your Family Depends On
  4. Day 347 Week 50 Day 4: Disability Insurance: Protecting Your Earning Power
  5. Day 348 Week 50 Day 5: Umbrella Insurance: Cheap Protection Against Catastrophic Lawsuits
  6. Day 349 Week 50 Day 6: Long-Term Care: The Risk Nobody Wants to Think About
  7. Day 350 Week 50 Day 7: Your Insurance Audit: What to Keep, What to Drop, What to Add
Week 51 7 days
  1. Day 351 Week 51 Day 1: Trying to Beat the Market: The Professional Failure Rate
  2. Day 352 Week 51 Day 2: Timing the Market: Missing the Best Days
  3. Day 353 Week 51 Day 3: Chasing Performance: Last Year's Winner Is Next Year's Loser
  4. Day 354 Week 51 Day 4: Paying Too Much in Fees: The 1% That Costs You Millions
  5. Day 355 Week 51 Day 5: Lifestyle Creep: The Silent Wealth Destroyer
  6. Day 356 Week 51 Day 6: Panic Selling in a Crash: Locking In Losses
  7. Day 357 Week 51 Day 7: Complexity: The Enemy of Good Enough
Week 52 7 days
  1. Day 358 Week 52 Day 1: The One-Page Financial Plan: Everything on a Single Sheet
  2. Day 359 Week 52 Day 2: The Annual Financial Ritual: 90 Minutes That Change Everything
  3. Day 360 Week 52 Day 3: What This Course Taught You: The 10 Principles That Matter
  4. Day 361 Week 52 Day 4: The Millionaire Next Door: What Real Wealth Looks Like
  5. Day 362 Week 52 Day 5: When to Get Professional Help: Financial Advisors, Fee-Only Planners, and DIY
  6. Day 363 Week 52 Day 6: Money and Meaning: What Financial Freedom Actually Looks Like
  7. Day 364 Week 52 Day 7: Graduation Day: A Star to Steer By

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