Track 03 · 7 modules
Personal Finance
The money conversation, written down properly — budgeting with sourced percentage guides, sinking funds, net worth, debt, retirement math, ETFs, and real estate yields. Universal principles with Mexican pesos and Mexican rules as the working example. Every module ships with an interactive calculator and a downloadable template.
- 01
A Budget That Actually Sticks
The recommended percentage ranges for every major expense category, why the 50/30/20 rule exists, and a spreadsheet system you'll still be using in December.
- 02
Planned Savings: One Account, Many Envelopes
Sinking funds — the system that turns annual bills, future cars, and insurance renewals from emergencies into line items.
- 03
Net Worth: Your Personal Balance Sheet
Assets minus liabilities — the one number that summarizes your financial life, why it beats income as a scoreboard, and how to track it monthly.
- 04
Debt: The Interest Rate Is the Enemy
Good debt vs. bad debt, why the minimum payment is a trap, avalanche vs. snowball with a live simulator, and when paying debt beats investing.
- 05
Retirement Math: How Much Is Enough, and How Long Will It Take
The 4% rule and the income-replacement view, side by side — the savings-rate formula that tells you how many years of work stand between you and your number, and what the money actually does once you're retired: living off interest vs. eating capital.
- 06
ETFs and Index Investing: The Boring Portfolio That Wins
What an ETF actually is, the handful of tickers that dominate the world's savings, how to buy them from Mexico through the SIC, and what the taxes look like.
- 07
Real Estate: How to Read a Rental Yield
Gross yield, net yield, cap rate, and cash-on-cash — what typical rent percentages look like in Mexico and worldwide, and why leverage math works differently here.