Get a financial education with Money Bro

Nearly everyone can retire a millionaire with the right financial habits. But how do you get these good habits? Mostly by understanding some basics about the economy, knowing a tiny-tiny bit about statistics and probabilities, and by learning to flex your critical-thinking muscle. My goal is to cover all this and more in byte-size chunks that you easily understand and remember. If one person becomes financially independent thanks to this website, I'll be happy. But my goal is to create many such people. Everyone deserves a financial education.

First steps: personal finance

It all starts with your money: how much you earn, how much you spend, how much you save, and how much you pay in taxes. But here's the good news: you have some control over most of these. You'll learn how much money you're actually making at your job (it is not how much you think), and you'll learn how much things actually cost "in real terms." Should you even buy a home? The answer isn't always yes - but not for the reasons you think.

Keep climbing: managing credit and debts

You can make credit either works for you or against you. A good credit score gives you better deals on everything. For example, I receive $6 in cash for every $100 I spend on groceries. I also get $3 cash whenever I buy anything from Amazon. All this free money adds up and doesn't require any effort. I'll show you how to use credit cards so that banks literally give you money. You'll also learn how to increase your credit score and keep it high. You just need the right information and a couple of good habits.

Next up: savings, investing, and retirement

You don't have a guaranteed income - yet. And you don't know what the future holds. But with a few good habits and mental tricks, you can bulletproof your future self. Imagine a life where a medical bill or car repair is no big deal. It's all possible with the right habits. And picking up these habits is a lot easier than you think. In fact, you could probably learn everything you need in less than a week. Just enough to change your life.

The boring bits: accounting and taxes

Knowing just a bit about bookkeeping and accounting really helps (especially if you make some money in the "gig economy"). Taxes are probably the most boring topic in the world, but you can use them strategically. You could literally save thousands of dollars by hiring the right CPA, setting up the kind right of business, etc. (Should you be a sole proprietorship or a corporation? An LLC or an S Corp? These decisions matter and a financial professional can help you with those.)

Growing more: business, solopreneurship, and side-hustles

Thanks to the internet and everyone having a smartphone, becoming a "solopreneur" (solo + entrepreneur) is easier than ever. You could start making side income within an hour. You just need some guidance on what you can do, what you should do, and what you want to do. Once you figure this out, you'll be golden. And no, you won't need to know how to code. (Being able to code helps, but finding the right tools to help someone is just as useful.) Someone said, "help millions, make millions." Every person who became wealthy from their actions is someone who helped other people in some way.

Nice extras: economics, statistics, and math tricks

There are lots of mental math tricks you can pick up that help you make sense of the world of money (and numbers in general). These also include how you should talk to others about money. For example, should you ask for a raise as a flat amount per hour / month / year? Or as a percentage of increase? Or, or, or... Psychology plays a significant role in how we interpret numbers: you'll learn how to use this (ethically) to your advantage. Even the most rational people get tricked by pricing tactics like $9.99 vs. $10 - we just can't help it.

Final tips: books you should read, tools you should use

Just one book can give you a revelation that changes your life. We're all different, but I'll try to suggest various books, methods, and software tools that will make your financial life easier and more intuitive. Everyone deserves a financial education.