What you’ll learn

How money habits and psychology affect spending decisions
How to build a practical budget in Excel
How small monthly contributions can grow over time
The basics of stocks, ETFs, funds, and bonds
Risk, return, diversification, and time horizon
How to compare investment options and buy your first stock
Why index funds are a simple long-term strategy
How to think about opportunity cost and life balance

Who this class is for
This class is for beginners who want to understand personal finance, build a realistic budget, and start investing with confidence. No prior investing experience is required. Basic Excel familiarity is helpful, but not necessary if you can follow simple spreadsheet steps.

Materials/Resources
You’ll need Excel or a similar spreadsheet tool.

Danilo Calcaben

2

6