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💰 Money Foundations

How the UK tax system works, what your payslip means, emergency funds, ISA basics. The financial fundamentals nobody taught you.

📚 10 lessons ⏱ ~45 minutes total 🇬🇧 UK + Global track ✓ Free preview
Lessons in this module
1
How the UK tax system works
Income tax bands, National Insurance, PAYE, and the personal allowance trap above £100k
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What your payslip actually means
Every line decoded — gross pay, NI, pension, student loan, take-home
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Emergency funds explained
How much you actually need, where to keep it, and when to use it
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ISA basics
Cash vs Stocks & Shares, the £20k allowance, and which to use first
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The difference between saving and investing
Why cash savings lose value over time and when investing makes sense
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Why fund fees matter
How a 0.7% fee difference costs £60,000 over 30 years — with the maths
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How compound interest works
The most powerful force in personal finance — and how to harness it
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The advice gap
Why 91% of UK adults get no financial advice and what it costs them
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Setting your first financial goal
A framework for deciding what to focus on — house, retirement, or financial independence
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Your personalised action plan
The exact steps to take in the next 30 days based on your IQ test results
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