Most people try to learn money the same way they tried to learn a language in school — long sessions, dense material, no practice. It doesn't stick.
What works instead: tiny daily reps applied immediately to your real money. Here's a 4-week plan that takes 5 minutes a day.
Week 1 — Budgeting. Track every dollar you spend for 7 days. Don't try to change anything yet; just observe. By day 7 you'll already know where the leaks are.
Week 2 — Saving. Set up an automatic transfer to a separate savings account on payday, even if it's $20. Automation beats willpower every time.
Week 3 — Debt. List every debt with its interest rate. Pay minimums on all, throw every extra dollar at the highest-rate one. This is called the avalanche method and it's mathematically optimal.
Week 4 — Investing. Open a brokerage account and buy your first share of a low-cost index fund. It doesn't have to be big — the point is to start the compounding clock.
Repeat next month with deeper lessons on each topic. That's it. No textbooks, no weekend courses, no overwhelm. Welthy bakes this whole loop into a daily 5-minute streak.