Learn
The Skill Tree.
Six zones, 45 units, one winding climb. Each zone ends with a Checkpoint — pass it to unlock the next. The Scam Radar I capstone mints your Partner Pass.
Track
Zone 1
Ground Rules
0/8
Start
Money Vocab
Banks 101
Checking vs Savings
Debit vs Credit
Fees & Overdraft
P2P Payments
Needs vs Wants
Money Goals
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Ground Rules exam
Zone 2
Earn
0/7
Offer Letters
Pay Stub
Gross vs Net
W-4
W-2 vs 1099
Filing 101
Side Hustles
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The First Paycheck exam
Zone 3
Manage
0/7
Cash Flow
Fixed vs Variable
50/30/20
Subscriptions
Emergency Fund
HYSAs
Sinking Funds
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The October Broke Spiral exam
Zone 4
Borrow
0/10
Interest
APR vs APY
Compounding (Debt Side)
22% Trap
Credit Scores
Build Credit
Pulls & Utilization
Rewards vs Traps
BNPL & Payday
Student Loans
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The Debt Maze exam
Zone 5
Grow
0/8
Inflation
The Fed
Compounding (Growth)
Time > Timing
Stocks vs Bonds
Index Funds
Diversification
Roth IRA
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The Compounding exam
Zone 6
Protect · Scam Radar I
0/6
Phishing
P2P Scams
Fake Jobs
Ponzi Radar
Romance / Social
TikTok Pumps
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Scam Radar I — Capstone