Retirement & Investing

Budgeting keeps you afloat. Paying off debt sets you free. But investing is how you build real, generational wealth. This module shows you exactly how — no jargon, no complexity.

3 Lessons

~16 min total

Why Starting Now Changes Everything

Time in the market beats timing the market. Every year you delay investing costs you exponentially more.

$500/month invested at 25 grows to ~$1.7M by 65. The same investment started at 35 grows to only ~$750K.

The average American retires with less than $100K saved. Most financial advisors recommend 10–25× your annual expenses.

Module Lessons

Lesson 1 · 6 min read

401(k) vs Roth IRA — Which Is Better?

Pre-tax vs post-tax, contribution limits, employer match, and how to decide which account is right for you right now.

Traditional 401(k)Roth IRA rulesEmployer matchWhich to prioritize

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Lesson 2 · 5 min read

Index Funds & ETFs Explained

Why Warren Buffett recommends index funds for most investors — and how to pick one in under 10 minutes.

What is an index fundETF vs mutual fundExpense ratiosS&P 500 basics

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Lesson 3 · 5 min read

How Much Do You Need to Retire?

The 4% rule, compound interest math, and a simple formula to calculate your personal retirement number.

The 4% RuleYour retirement numberCompound interestCatch-up strategy

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After This Module, You'll Be Able To

Open and contribute to a 401(k) or Roth IRA confidently

Understand how index funds work and why they beat most active funds

Calculate your personal retirement number

Explain compound interest and why time is your biggest asset

Prioritize which accounts to fund in what order

Build a simple, low-cost investment portfolio from scratch

Previous ModuleModule 2: Debt & Credit Start HereLesson 1: 401(k) vs Roth IRA