Censi course

Make It Make Sense

A plain-language course for the money words and systems that show up in real life.

Module 1

What money is

  1. 1.1What is money? From barter and shells to coinsComing soon
  2. 1.2Money vs currency: the idea vs the paper in your pocketComing soon
  3. 1.3Why a dollar is worth anything: trust, gold, and 1971Coming soon
  4. 1.4Inflation: why a dollar buys less every yearComing soon
  5. 1.5How banks actually make moneyComing soon
  6. 1.6Where new money comes from todayComing soon
  7. 1.7Is crypto money? Money vs currency vs digital assetsComing soon
Module 2

Bank lingo, decoded

  1. 2.1APRComing soon
  2. 2.2APYComing soon
  3. 2.3Compound interestComing soon
  4. 2.4Principal vs interestComing soon
  5. 2.5Available vs current balance, and pending chargesComing soon
  6. 2.6OverdraftComing soon
  7. 2.7FDIC insuredComing soon
  8. 2.8Grace periodComing soon
Module 3

Earning it

  1. 3.1Gross vs netComing soon
  2. 3.2W-2 vs 1099Coming soon
  3. 3.3Revenue vs profitComing soon
  4. 3.4Invoices and getting paid on timeComing soon
  5. 3.5Paying yourself from a businessComing soon
Module 4

How taxes work

  1. 4.1What taxes pay for, and who collects themComing soon
  2. 4.2Tax brackets: why a raise never lowers your take-homeComing soon
  3. 4.3Self-employment tax: both halvesComing soon
  4. 4.4Quarterly estimated taxesComing soon
  5. 4.5Write-offs: lower profit, not free moneyComing soon
  6. 4.6A refund is not a bonusComing soon
Module 5

Credit and borrowing

  1. 5.1What credit isComing soon
  2. 5.2Credit score basics: what goes into itComing soon
  3. 5.3Credit utilizationComing soon
  4. 5.4The minimum payment clockComing soon
  5. 5.5Fast cash is not free: payout advancesComing soon
  6. 5.6Loans vs lines of creditComing soon
  7. 5.7Buy now, pay laterComing soon
Module 6

Saving and growing

  1. 6.1The emergency fundComing soon
  2. 6.2Savings accounts and APY in actionComing soon
  3. 6.3Compound growth over timeComing soon
  4. 6.4What investing is: how it works, not what to buyComing soon
  5. 6.5Crypto: how it works and the risksComing soon
Module 7

Running your money

  1. 7.1Budgeting frameworks, like 50/30/20Coming soon
  2. 7.2Separating business and personal moneyComing soon
  3. 7.3Renting vs owning a homeComing soon