Personal Finance Masterclass - Easy Guide to Better Finances

Your complete personal finance guide to understanding finances. Save more, invest smarter, reduce loans, retire earlier!

What you'll learn
You'll be the master of your own finances.
You'll know how to create a smart budget that helps you increase savings and reduce expenses.
You'll increase your income with a promotion, new job, side hustle, and online income.
You'll have a step-by-step process for reducing your loan and/or credit card debt.
You'll know the process for buying a house and saving up for a down payment.
You'll know how retirement works, how to save and invest for retirement, and how much you'll need to save and invest for a worry-free retirement.
You'll learn how to retire early and achieve financial freedom!

Requirements
Students should be open to being challenged in their preconceived financial beliefs
Students should get together their finances: know how much money they have in savings, checking, and investment accounts.
Students should know how much debt they have: credit card, student loan, mortgage, car loans, or any other personal debt.

Description
This online personal finance course will teach you how to master your money, how to grow your income, reduce your debt, budget the smart way, invest your money, and much more!
Do you need help handling your money?Can you imagine a life of financial freedom?Do you want to make more money?Are you interested in investing but just don’t know where to start?Have you struggled with credit card or student loan debt?Do you want to own a home?
If you answered yes to any of these questions, you’re in the right place. We know how hard it is to get by in the modern world. We understand your struggles. Heck, we’ve lived them. But we’ve been able to turn it around ourselves, to not just survive but to THRIVE!
Phil paid off over $140,000 in student loan debt and built a 6-figure side business within 5 years of college graduation. Mike & Lauren are on the path towards super-early retirement, are the ultimate personal finance hackers, and are currently traveling the country with their newborn son.
This isn’t your traditional personal finance course. We’re not bankers or creditors. We’re not trust fund babies who haven’t worked for themselves. We’re just like you, and that’s what this course is all about. This is a course that teaches normal people like you the skills and knowledge to truly understand how money works. We show you the path towards financial freedom.
This online personal finance course covers all of the following topics:
Understand Your MoneyBudgeting, Savings, Reducing ExpensesGrow Your IncomeUnderstanding Credit CardsLoans, Debt, Debt ReductionInvesting 101Real Estate, Mortgages, and Other Big Ticket PurchasesRetirement BasicsEarly Retirement Plan & Financial FreedomTaxesLove & MoneyYouth & MoneyPsychology & Money
Master your own finances to build wealth for you and your family.
Regardless of what your financial expertise is or how much money you have in your bank account, this in-depth course is designed to provide you with everything you need to take your finances to the next level.
Whether you’re in debt and don’t have a clue where to go from here, or you’re just wondering where to invest your money, you’ll learn the next steps to success. By truly understanding how things like credit, compound interest, taxes, and investment accounts work, you’ll be in a better position for financial freedom.
By the end of this course, you’ll have a better grasp of your own finances. You’ll know the next steps towards financial freedom. You’ll know how to save more, spend less, and invest smarter. You’ll be less stressed and happier. That's our goal. Take the first step to financial success with this amazing personal finance course.
About the instructors
Phil Ebiner started teaching online courses in 2012, and now has over 130,000 happy students on Udemy learning all sorts of things from personal finance and business building to video editing and motion graphics. Phil is passionate about helping people understand their finances and uses tools like video to break down the complexity of these topics.
Mike and Lauren are personal finance wizards with a YouTube channel geared at helping others tackle their financial problems. Mike and Lauren don’t just talk the talk, but also walk the walk of early retirement and living a financially smart life.

Overview
Section 1: Course Intro - Understand the Basics of Personal Finance

Lecture 1 Welcome to the Course | Personal Finance Course

Lecture 2 The Golden Rule of Personal Finance | Personal Finance Course

Lecture 3 Why the Rich Get Richer | Personal Finance Course

Lecture 4 How to Retire Early - in 4 Minutes | Personal Finance Course

Lecture 5 Tips to Improve Your Course Taking Experience | Personal Finance Course

Lecture 6 Measuring Your Financial Success: Net Worth & Cash Flow

Lecture 7 How Does Money Work? | Personal Finance Course

Lecture 8 Section Wrap Up & Resources | Personal Finance Course

Section 2: Budgets, Savings, Reducing Expenses

Lecture 9 Section Introduction | Personal Finance Course

Lecture 10 Why Your Savings Rate is Very Important | Personal Finance Course

Lecture 11 Budgeting the Smart Way | Personal Finance Course

Lecture 12 Tools to Help You Track Your Spending | Personal Finance Course

Lecture 13 How to Budget with Mint.com - Full Tutorial | Personal Finance Course

Lecture 14 Budgeting with Microsoft Excel - Free Download | Personal Finance Course

Lecture 15 Why Cut Out the $5 Latte (Reducing Expenses vs. Increasing Income Part 1)

Lecture 16 Easy Ways to Reduce Expenses | Personal Finance Course

Lecture 17 3 Biggest Budget Busters (Pinching Pennies vs. Big Wins)

Lecture 18 The Emergency Fund: What is it? | Personal Finance Course

Lecture 19 Choosing a Bank vs. Credit Union | Personal Finance Course

Lecture 20 Automating Your Finances | Personal Finance Course

Lecture 21 Fun Frugal Activities to Save You More Money | Personal Finance Course

Lecture 22 Section Wrap Up & Resources | Personal Finance Course

Section 3: Grow Your Income: Make More Money Doing What You Love

Lecture 23 Section Introduction | Personal Finance Course

Lecture 24 Increasing Income Versus Reducing Expenses | Personal Finance Course

Lecture 25 How Much Do You Value Your time? | Personal Finance Course

Lecture 26 Get a Better-Paying Job | Personal Finance Course

Lecture 27 Side Income: Make Money Outside of the Office | Personal Finance Course

Lecture 28 Turning Hobbies into Profit | Personal Finance Course

Lecture 29 Have a Better Work / Life Balance | Personal Finance Course

Lecture 30 How to Make Money Online | Personal Finance Course

Lecture 31 Section Wrap Up & Resources | Personal Finance Course

Section 4: Credit Cards: Understand How to Master Using Credit Cards

Lecture 32 Section Introduction | Personal Finance Course

Lecture 33 What is a Credit Score? Do You Need One? | Personal Finance Course

Lecture 34 Credit Card Rewards: Picking the Best Credit Card | Personal Finance Course

Lecture 35 Credit Cards vs. Debit Cards | Personal Finance Course

Lecture 36 Section Wrap Up & Resources | Personal Finance Course

Section 5: Loans, Debt, & Debt Reduction

Lecture 37 Section Introduction | Personal Finance Course

Lecture 38 What is a Loan? | Personal Finance Course

Lecture 39 Why Taking Out Loans Can Be a Good Thing | Personal Finance Course

Lecture 40 What Does It Mean to Be in Debt? | Personal Finance Course

Lecture 41 Basics of Debt Reduction | Personal Finance Course

Lecture 42 How I Would Pay Down Debt (without making a lot of money)

Lecture 43 Debt Consolidation: What is It? Should You do It? | Personal Finance Course

Lecture 44 Collections: What Are Collections? | Personal Finance Course

Lecture 45 Secured vs. Unsecured Debt | Personal Finance Course

Lecture 46 Why Co-Signing a Loan is so Dangerous | Personal Finance Course

Lecture 47 Section Wrap Up & Resources | Personal Finance Course

Section 6: Investing 101: Learn the Basics of How Investing Works

Lecture 48 Section Introduction | Personal Finance Course

Lecture 49 Investing 101 - Stocks, Bonds, Mutual Funds | Personal Finance Course

Lecture 50 Alternative Investments - Options, Futures, Gold, Real Estate, etc.

Lecture 51 What Should I Invest In? | Personal Finance Course

Lecture 52 3 Graphs that Show the Power of Investing When You're Young

Lecture 53 Compound Interest (Used for or Against You)

Lecture 54 Be Suspicious of Financial 'Advisors' | Personal Finance Course

Lecture 55 Types of Investment Accounts : Taxable & Tax Advantaged

Lecture 56 Target Date Funds | Personal Finance Course

Lecture 57 Why I Use Vanguard | Personal Finance Course

Lecture 58 Section Wrap Up & Resources | Personal Finance Course

Section 7: Retirement Basics: Learn How Retirement Works

Lecture 59 Section Introduction | Personal Finance Course

Lecture 60 What is the 4% Rule? | Personal Finance Course

Lecture 61 How Does Retirement Work? | Personal Finance Course

Lecture 62 Retirement Account Basics: 401(k), 403(b), Roth IRA, Traditional IRA, More

Lecture 63 What is a Pension? | Personal Finance Course

Lecture 64 How Can I Start Investing for Retirement? | Personal Finance Course

Lecture 65 Should I Invest in a Bad 401(k)? | Personal Finance Course

Lecture 66 Social Security - Should You Count on it? | Personal Finance Course

Lecture 67 Section Wrap Up & Resources | Personal Finance Course

Section 8: Early Retirement Plan & Financial Freedom

Lecture 68 Section Introduction | Personal Finance Course

Lecture 69 Early Retirement vs. Financial Freedom | Personal Finance Course

Lecture 70 Determining What 'Retirement' Looks Like for You | Personal Finance Course

Lecture 71 Self-Reliance & Adaptability | Personal Finance Course

Lecture 72 Calculating your Net Worth | Personal Finance Course

Lecture 73 How Do I Get My Money When I Retire? | Personal Finance Course

Lecture 74 Section Wrap Up & Resources | Personal Finance Course

Section 9: Real Estate, Mortgages, and Other Big Ticket Purchases

Lecture 75 Section Introduction | Personal Finance Course

Lecture 76 How Buying a House Work | Personal Finance Course

Lecture 77 How to Save for a House Down Payment | Personal Finance Course

Lecture 78 Investing vs. Paying Off the House | Personal Finance Course

Lecture 79 How Buying a Car Works | Personal Finance Course

Lecture 80 How Much Car Can I Afford? | Personal Finance Course

Lecture 81 Should You Take Out a Loan for a Car? | Personal Finance Course

Lecture 82 Help! I'm Upside Down on My Car Loan | Personal Finance Course

Lecture 83 Section Wrap Up & Resources | Personal Finance Course

Section 10: Taxes: How Taxes Work

Lecture 84 Section Introduction | Personal Finance Course

Lecture 85 What are Taxes? | Personal Finance Course

Lecture 86 A Higher Tax Bracket is NOT a Bad Thing! | Personal Finance Course

Lecture 87 Why You Don't Want a Tax Refund | Personal Finance Course

Lecture 88 Do I Have to Pay a Penalty if I Don't Have Health Insurance?

Lecture 89 Capital Gains Tax | Personal Finance Course

Lecture 90 Should I Do My Taxes Myself? | Personal Finance Course

Lecture 91 Section Wrap Up & Resources | Personal Finance Course

Section 11: Love & Money: Build a Thriving Financial Environment for You and Your Loved Ones

Lecture 92 Section Introduction | Personal Finance Course

Lecture 93 Dating Someone with Bad Financial Habits | Personal Finance Course

Lecture 94 How Do Kids Affect Your Finances? | Personal Finance Course

Lecture 95 Combining Finances with Your Loved One | Personal Finance Course

Lecture 96 Health Insurance | Personal Finance Course

Lecture 97 Life Insurance | Personal Finance Course

Lecture 98 Loaning Money to Friends or Family | Personal Finance Course

Lecture 99 Divorce and Your Finances | Personal Finance Course

Lecture 100 Section Wrap Up & Resources | Personal Finance Course

Section 12: Youth & Money: Start Being Smart About Money When You're Young

Lecture 101 Section Introduction | Personal Finance Course

Lecture 102 Investing for Teenagers | Personal Finance Course

Lecture 103 I Want to Move Out of My Parents | Personal Finance Course

Lecture 104 Parents Kicked Me Out, Now What? | Personal Finance Course

Lecture 105 I Just Received an Inheritance, What Should I Do with It?

Lecture 106 Student Loans & Other Survival Tips | Personal Finance Course

Lecture 107 Forget College, Learn a Trade | Personal Finance Course

Section 13: Psychology & Money: Battling with Society Norms

Lecture 108 Section Introduction | Personal Finance Course

Lecture 109 Lifestyle Inflation and Status Symbols | Personal Finance Course

Lecture 110 The Human Tendency to Buy High and Sell Low | Personal Finance Course

Lecture 111 That's Not Saving Money! (Malleable Mental Accounting) | Personal Finance Course

Lecture 112 Dealing with Compulsive Spending | Personal Finance Course

Lecture 113 Section Wrap Up & Resources | Personal Finance Course

Section 14: Definitions

Lecture 114 Section Introduction | Personal Finance Course

Lecture 115 401(k) | Personal Finance Course

Lecture 116 403(b) | Personal Finance Course

Lecture 117 Adjustable Rate | Personal Finance Course

Lecture 118 AGI - Adjusted Gross Income | Personal Finance Course

Lecture 119 Amortization | Personal Finance Course

Lecture 120 APR - Annual Percentage Rate | Personal Finance Course

Lecture 121 ARM - Adjustable Mortgage Rate | Personal Finance Course

Lecture 122 Asset | Personal Finance Course

Lecture 123 Asset Allocation | Personal Finance Course

Lecture 124 Auto Insurance | Personal Finance Course

Lecture 125 Bankruptcy | Personal Finance Course

Lecture 126 Bonds | Personal Finance Course

Lecture 127 Borrower | Personal Finance Course

Lecture 128 Capital Gains | Personal Finance Course

Lecture 129 CD - Certificate of Deposit | Personal Finance Course

Lecture 130 Co-Signer | Personal Finance Course

Lecture 131 Compound Interest | Personal Finance Course

Lecture 132 Credit Report | Personal Finance Course

Lecture 133 Credit Score | Personal Finance Course

Lecture 134 Credit Union | Personal Finance Course

Lecture 135 Creditor | Personal Finance Course

Lecture 136 Debt Consolidation | Personal Finance Course

Lecture 137 Debtor | Personal Finance Course

Lecture 138 Defined-Benefit Plan | Personal Finance Course

Lecture 139 Defined-Contribution Plan | Personal Finance Course

Lecture 140 Dependent | Personal Finance Course

Lecture 141 Disability Insurance | Personal Finance Course

Lecture 142 Dividends | Personal Finance Course

Lecture 143 Escrow | Personal Finance Course

Lecture 144 FICO Score | Personal Finance Course

Lecture 145 Fixed Rate | Personal Finance Course

Lecture 146 Interest Rate | Personal Finance Course

Lecture 147 IRA - Individual Retirement Account | Personal Finance Course

Lecture 148 Lender | Personal Finance Course

Lecture 149 Liabilities | Personal Finance Course

Lecture 150 Mortgage | Personal Finance Course

Lecture 151 Mutual Fund | Personal Finance Course

Lecture 152 NASDAQ | Personal Finance Course

Lecture 153 Net Worth | Personal Finance Course

Lecture 154 NYSE | Personal Finance Course

Lecture 155 Payday Loan | Personal Finance Course

Lecture 156 PMI - Private Mortgage Insurance | Personal Finance Course

Lecture 157 Promissory Note | Personal Finance Course

Lecture 158 Rebalancing | Personal Finance Course

Lecture 159 Roth IRA | Personal Finance Course

Lecture 160 Security | Personal Finance Course

Lecture 161 Standard Deduction | Personal Finance Course

Lecture 162 Stock | Personal Finance Course

Lecture 163 Stock Options | Personal Finance Course

Lecture 164 Variable Rate | Personal Finance Course

Lecture 165 Yield | Personal Finance Course

Section 15: Course Conclusion

Lecture 166 Thank You | Personal Finance Course

Lecture 167 Bonus Lecture: Learn More from Phil + Video School | Personal Finance Course

This course is for you if you want to improve your financial life,This course is for you if you need help handling your money.,This course is for you if you want to make more money.,This course is for you if you want to learn how to invest the smart way.,This course is for you if you want to reduce your expenses and save more money.,This course is for you if you struggle with credit card or loan debt.,This course is for you if you want to own a home and want to save up for a down payment.

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