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Is making more money always the answer?
What does "being wealthy" actually mean? Key takeaway: wealth is built through habits and decisions, not just income.
10 min
Every meeting is built around a single question worth answering — not a list of facts to memorize. The financial concepts become the tools you use to answer it.
Paycheck literacy, the habits behind wealth, and a live budgeting scenario. The one every new member starts with.
Compound growth, credit scores, the "latte factor," and what investing actually is — introduced at the close of meeting one.
What should every student know before graduating? We open with a question, not a lecture: why do some people making $40,000 retire comfortably while others making $200,000 live paycheck to paycheck?
What does "being wealthy" actually mean? Key takeaway: wealth is built through habits and decisions, not just income.
Almost nobody learns this in school. We walk through a sample paycheck — gross pay, net pay, federal and state taxes, Social Security, Medicare, and retirement deductions — and ask: if your salary is $60,000, why aren't you taking home $60,000?
You're 18. You have a part-time job earning $600/month, a car payment, a phone bill, gas, food — and you want to save for college. Small groups work it out for 10–15 minutes, then compare approaches. There isn't one right answer, and that's the point.
Introduced at the close of meeting one. This session takes on the ideas everyone's heard and hardly anyone's checked.
Person A invests $200/month from 18–28, then stops. Person B starts at 28 and invests until retirement. Most people are surprised Person A can end up with more, because of compound growth. Time is one of your biggest financial advantages.
What a credit score actually is, why it matters, what affects it, and the myths that don't — like the idea that checking your own score hurts it. It generally doesn't, through a personal credit service.
"Stop buying coffee and you'll become rich" isn't quite right. Small daily expenses matter less than the big decisions — housing, transportation, career, and saving consistently.
We ask the room what they think investing is — gambling, too risky, only for rich people — then unpack why long-term investing isn't day trading, why it can start small, and how diversification manages risk.
Everyone writes down one money lesson they wish every high school student learned. We collect the answers and use them to shape future meetings.
Every meeting starts from a question worth answering — the concepts come afterward, as the tools to answer it.
Membership is free and open to the whole community. Bring a friend, or join from home.
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