Richer, Not Smarter: Build Wealth & Escape Paycheck Living

Practical saving, budgeting, investing, and wealth creation to escape paycheck living and achieve financial freedom

What you'll learn

Understand Your Finances: Clearly understand your income, expenses, and debts to effectively manage your money.

Cut Through Financial Noise: Learn to ignore unnecessary jargon and focus only on key investment concepts that matter.

Create Your Investment Plan: Build a personalized investment plan that aligns with your financial situation and goals.

Make Smarter Financial Choices: Gain essential skills in budgeting, saving, and grasp the basics of taxes on your paycheck to improve your financial decisions.

Requirements

No Previous Financial Knowledge Required: This course starts with the basics, making it perfect for beginners. You don't need any prior knowledge of finance or investments.

Access to Basic Financial Documents: It will be helpful if you have access to your own financial documents such as recent paychecks, bank statements, and any existing budget plans.

A Simple Calculator or Spreadsheet Software: A basic calculator or access to spreadsheet software like Microsoft Excel or Google Sheets will help you apply what you learn in practical exercises.

Commitment to Participation: Bring a willingness to learn and apply the concepts discussed to your personal financial situation.

Description

Let me guess—you work hard and earn a decent income, but by the time bills, groceries, and “just life” are paid for, you’re left wondering: Where did all my money go? Maybe you’ve tried budgeting before or even thought about investing, but it felt overwhelming, time-consuming, or just out of reach. Sound familiar?Here’s the truth: building wealth isn’t about how much you make—it’s about how you manage and grow what you have. And no, you don’t need a six-figure salary or a finance degree to do it. You need the right plan, practical tools, and a fresh perspective.This course is designed for people like you—everyday earners who want to break free from paycheck-to-paycheck cycles and start building absolute financial security. We’ll cover the essentials of saving and budgeting in a way that works for your life without overcomplicating things. Then, I’ll walk you through the steps to start investing confidently—how to make your money work for you, not the other way around.No hype, no impossible promises. It is just a clear, practical guide to help you take control of your finances, build wealth, and create the lifestyle you want. Ready to make your money work smarter? Let’s get started.

Overview

Section 1: Introduction to Personal Finance

Lecture 1 Welcome and Course Overview

Lecture 2 Your Financial Health Check-Up: Assessing Your Current Situation

Lecture 3 Setting Financial Goals and Priorities

Section 2: Cutting Through Financial Noise

Lecture 4 Understanding Financial Jargon

Lecture 5 Reliable Sources for Financial Information

Section 3: Crafting Your Investment Strategy

Lecture 6 Overview of Investment Types

Lecture 7 Matching Investments to Your Financial Goals

Lecture 8 Risk Management and Diversification

Section 4: Practical Financial Skills

Lecture 9 Budgeting Made Simple

Lecture 10 Smart Saving Techniques

Lecture 11 Basics of Taxes on Your Paycheck

Section 5: Conclusion and Next Steps

Lecture 12 Review and Key Takeaways

Lecture 13 Continuing Your Financial Education

This course is designed for employees earning under $150K a year who live paycheck to paycheck and are looking to gain control over their financial future. It's ideal for those who feel overwhelmed by the complexity of financial products and the vast amount of information available about investing.,Ideal for: Employees who find it challenging to save or invest due to limited financial knowledge or resources. This includes individuals who have never invested before and are unsure where to start, as well as those who are intimidated by financial jargon and complex investment options.,Not suitable for: Experienced investors who are already knowledgeable about financial markets or those looking for advanced investment strategies. It is also not intended for people who are not in a position to start thinking about investing, such as those who are currently unable to meet their basic financial needs.,Learner's motivation: Many prospective learners will be driven by the desire to stop living paycheck to paycheck, build a financial buffer, and start making their money work for them. They seek straightforward, actionable advice that demystifies finance without requiring expensive consultations with professionals.,Application of content: Learners will apply the insights from this course to their everyday financial decisions, with a focus on practical, realistic investment strategies that fit their budget. This knowledge will empower them to build a personal investment plan and manage their finances more effectively, enhancing their overall financial stability and growth.,Disclaimer: The content, insights, and perspectives provided in this course are based on my personal experience, studies, and understanding of financial and investment practices. This material is intended solely for educational purposes and does not encompass all possible financial or investment scenarios.,NO Financial Advice: The information provided in this course is not financial, legal, tax, or investment advice. It should not be interpreted as a recommendation or endorsement of any particular investment strategy, financial product, or security.,General Information Only: The educational content offered is of a general nature and designed to enhance your financial literacy and understanding. It is not tailored to individual needs or circumstances and may not be suitable for everyone.,Responsibility for Decisions: As a course participant, you are solely responsible for your financial decisions. I recommend conducting thorough due diligence and, where necessary, consulting with a professional financial advisor to ensure any decisions made are appropriate for your specific financial situation.,No Liability: I am not responsible for any losses or damages that may arise from the application of the information provided in this course. Financial markets are subject to many risks, and there is always the potential to lose money when investing.,Regulatory Compliance: This course does not address specific requirements or regulations of any particular country, state, or locality regarding financial practices. It is your responsibility to ensure that any actions you take are compliant with such laws and regulations.,The above disclaimer is designed to make clear the educational nature of the content and the boundaries of my role as your instructor. By enrolling in this course, you acknowledge and agree to these terms, accepting responsibility for any financial decisions you make as a result of the knowledge gained from this course.