37 quizzes, graded, so a beginner is not asked an expert question and an expert is not asked a trivial one.
Five levels. Start at one if the vocabulary has never been explained to you, or jump to the level that sounds like your situation.
The words on your first payslip and your first bank statement. Nothing here needs any prior knowledge.
Start →Accounts, cards and the charges attached to both. The level where most avoidable money is lost.
Start →How loans are actually priced and structured, and what the credit file is doing while you repay them.
Start →Insurance and investing, where the product is complicated enough that most people buy on trust rather than on terms.
Start →The other quizzes test whether you know what a term means. This one tests whether you know what it costs you.
Start →Three words used as if they mean the same thing. Almost every bad purchase is a price that looked fine and a cost nobody worked out.
Three words used as if they mean the same thing. They do not, and the gaps between them are where money goes missing.
Start →The costs that never arrive as a bill. They are the largest ones, and the ones no budgeting app will ever show you.
Start →Sorting your own transactions into what you spent, what you moved, and what changed your position. Get this wrong and every number after it is wrong too.
Start →Two levels for each major product. The first is what it does and what the words mean. The second is how it is priced and sold, which is where the money is.
Deductibles, liability, and which half of a car policy is protecting against the losses that could actually ruin you.
Start →What life cover is for, who needs it, and the difference between the two things sold under one name.
Start →No-fault rules, GAP cover, what shopping around is worth, and why two states with the same drivers can price so differently.
Start →How a life policy is priced, who gets paid, and the five situations where a permanent product is the right answer.
Start →What a home policy covers, what renters insurance is really for, and the settlement basis that decides what a claim pays.
Start →The two policies bought at closing, umbrella liability, and the cover almost nobody is paid enough to sell you.
Start →Deductible, copay, coinsurance and the out-of-pocket maximum, and which of them tells you what a bad year costs.
Start →HSAs, the arithmetic of comparing two plans properly, and what a medical bill is before you negotiate it.
Start →Cover for the income you would lose and the care that health insurance does not pay for. The two most under-bought protections there are.
Start →Loss ratios, what a payout rate tells you about a product, and the difference between insurance and something sold beside it.
Start →Saving for it and living off it are different problems with different mistakes. Two levels each.
The accounts, the match, and the order that decides how much of your saving survives tax.
Start →Fees, tax drag, and reading a retirement balance for what it is actually worth to you.
Start →Withdrawals, Social Security timing, and why spending down is the plan working rather than a warning sign.
Start →Annuities, advice priced by percentage, releasing home equity, and spending on purpose rather than by accident.
Start →What you are approved for, what you can afford, and everything attached to the house that is not the mortgage.
Approval versus affordability, the down payment, and every cost that arrives alongside the mortgage.
Start →Rate shopping, mortgage insurance removal, what happens when the loan is sold, and the year before you apply.
Start →Borrowing for education, repaying it, and pricing the qualification before you sign for it.
Federal against private, what capitalized interest does, and the form that gates almost everything.
Start →Income-driven repayment, forgiveness counts that go backwards, and what a pause actually costs.
Start →The product most people hold and fewest read. Two levels.
Grace periods, minimum payments, and what the statement date has to do with your credit score.
Start →Sign-up bonuses, deferred interest, balance transfers and rewards that are already priced into what you buy.
Start →Buying the car is one transaction. Financing it is another, and they are best not negotiated together.
Total cost of ownership, why the monthly payment is the wrong number, and what depreciation does before anything else.
Start →The finance desk, the products sold there, and what each of them pays back to buyers.
Start →Where your money sits between arriving and leaving, and what that costs.
Balances, holds, overdraft charges and the difference between a bank refusing a payment and covering it.
Start →Where each dollar should sit, what idle cash costs, and the fee cascade a single shortfall can trigger.
Start →Funds, fees and the containers that decide how much of a return you keep.
Allocation, diversification, index funds and the fee that never sends you a bill.
Start →Advice, incentives, turnover and tax drag. The costs that separate a return from what you keep.
Start →Two very different products share one word. Knowing which one is in front of you is most of the decision.
What an annuity is, the one risk it genuinely solves, and how to tell the two products apart.
Start →Payout ratios, layered charges, and running the same test on any complicated product that arrives with enthusiasm.
Start →The instrument national surveys use. Not a level, it spans all of them.
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