10 interactive modules covering what financial advisors are paid to know — budgeting, debt, credit, taxes, investing, insurance, scams, and the master plan that ties it together. Built for adults, not children. No filler.
You earn a paycheck and aren't sure where it goes each month.
You've been told you "need an advisor," but a 1% fee on a $100k portfolio is $1,000/year — and you're not sure what you get for it.
You want to understand how credit, debt, and taxes actually work — without being sold a credit card, a loan, or a course.
You're skeptical of finance influencers but want a coherent, honest starting point.
You'd rather learn the system in 4 hours than be charged for it for the next 30 years.
By the end you can do these yourself — the things advisors charge a percentage of your assets to handle.
Each module builds on the previous, but each is useful on its own — skip, repeat, or jump in where you are.
Tap any module to see what's inside. The assessment recommends the order that fits your situation.
Audit your relationship with money before doing anything else. Cash-flow tracker built in.
Build a financial security buffer that actually protects you. Calculator gives a target sized to your situation.
Use banks strategically. Understand fees, account types, and the system's incentives.
The 5 factors that determine your score, ranked by how much each moves the needle.
The true cost of debt, when it's useful, and how to get out efficiently.
Read your paycheck. Calculate your effective rate. Know which deductions actually apply to you.
Long-term compound growth without the jargon. The 4-criteria evaluation any fund or ETF must pass.
Insurance without over-insuring. The 4 policies most adults actually need and the rest that are sold to them.
The patterns predators use to extract money from people who have it.
Integrate everything into a one-page plan you can actually open in 6 months and update.
The honest question: if a CD or money-market account pays less than inflation, is "saving" really protecting your purchasing power? Inflation is invisible until it isn't. After finishing the 10 modules, some people want to explore what harder forms of money exist and how to think about them. That's what Bitcoin Sovereign Academy is for.
This is opt-in, not required, and the 10 modules stand on their own. No Bitcoin literacy assumed.
Visit Bitcoin Sovereign Academy →Cities, employers, wealth advisors, correctional facilities, and educational institutions use this curriculum for their constituents or staff.
The most expensive thing you can do with money isn't losing it on one bad decision. It's paying someone 1–2% a year for 30 years to manage what you could have learned in 4 hours.
Take the 2-min assessment →Or skip the assessment and start with Module 1.
Questions, feedback, or institutional partnerships?
dalia@thesovereign.academy
Support the project (optional, all content is free): ⚡ sovereigndwp@getalby.com