Course

Credit, Debt & Life Essentials

The non-investing money decisions that matter most.

Credit scores, paying off credit card debt, mortgages, insurance, and estate planning. The boring-but-critical decisions that protect everything you build.

6 lessons·~32 min total

Lessons in this course

1
Credit scores explained: what actually moves the number
Your credit score quietly determines what loans you qualify for and at what rate. Here's what actually moves it — and the myths that don't.
5 min
→
2
Paying off credit card debt: the highest-return investment you can make
Paying off a 22% APR credit card is mathematically equivalent to earning a guaranteed 22% return. Nothing else in finance comes close.
5 min
→
3
Good debt vs. bad debt
Not all debt is equal. Here's the simple framework for thinking about which debts to attack first and which can wait.
4 min
→
4
Mortgages 101: what you're actually signing up for
A mortgage is the largest financial commitment most people make. Here's how the loan actually works, what the payment really covers, and what to compare.
6 min
→
5
Insurance basics: which policies you actually need
Insurance protects against catastrophic loss. Most people are over-insured in some areas and dangerously under-insured in others. Here's the framework.
6 min
→
6
Estate planning basics: what every adult should have
Estate planning isn't just for the wealthy or the elderly. Five basic documents protect you and the people you care about — and most can be done cheaply.
6 min
→

PREMIUM

Final exam + certificate

When you finish this course, take a 15-25 question final exam to test what you've learned. Pass and earn a verified ClearMoneySchool certificate you can share on LinkedIn.

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