Course 01

Money Starts
With You

What money really is, how it works, and how to make it work for you — starting now.

Modules live

Questions each

Certificate

Welcome to the course

This course is based on Money Starts With You by Per-Fredrik Emanuelsson. Each module has a short video followed by three questions. Pass the questions and move to the next module. Talk to Coach Fred any time to go deeper.

What Does Success Mean to You?

0 / 4 modules

Module 1.1

Defining Success on Your Own Terms

Watch

Think — 3 questions

1. Why is it important to define success on your own terms first?

So you can compare yourself to others more accurately Because chasing someone else's version of success leads you somewhere that may not make you happy Because schools don't teach you how to do this

2. In the book, what does money represent in relation to success?

The goal itself — the more you have the more successful you are A tool that helps you reach your version of success Something only relevant once you have a career

3. Real success is described as:

A specific finish line you cross when you reach a salary target How you feel after you've crossed whatever finish line matters to you Something you only understand in your thirties

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Module 1.2

Failure Is Not the Opposite of Success

Complete 1.1 first

Think — 3 questions

1. How is failure described in this module?

Something to be avoided at all costs Feedback — it tells you what didn't work so you can adjust and go again A sign that you picked the wrong goal

2. What does "failing forward" mean?

Failing quickly and moving on without learning anything Using each failure as a learning experience that moves you closer to your goal Pretending failure didn't happen

3. Why does failure have a bad reputation according to the book?

Because it always means you made the wrong decision Because society treats it as shameful rather than as a normal part of growth Because it always costs money

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Want to explore this topic more? Ask Coach Fred anything about what you just watched.

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Module 1.3

Success and Money: Getting the Relationship Right

Complete 1.2 first

Think — 3 questions

1. What does financial success actually mean according to this module?

Having more money than your peers Not being stressed about money, being able to save, and being able to handle change Earning a six-figure salary by age 25

2. What is the problem with treating money as the goal rather than the tool?

You end up saving too much and missing out on life You can end up with money but still be driving toward the wrong destination It makes you work too hard

3. What does money really buy you?

Status and respect from others Freedom and options Security from all of life's problems

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Want to explore this topic more? Ask Coach Fred anything about what you just watched.

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Module 1.4

The PhD Example: Do the Maths Early

Complete 1.3 first

Think — 3 questions

1. What is opportunity cost?

The cost of missing a sale or discount The value of what you give up when you choose one path over another The interest you pay on student loans

2. What is the key question to ask before making a big life decision like a PhD?

What will my parents think? Will living this life actually make me happy — and do the maths support it? What is the most prestigious option available?

3. The PhD example is NOT an argument against doing a PhD. What is it an argument for?

Choosing shorter, cheaper degrees instead Thinking carefully and doing the maths before committing to big decisions Going straight into work instead of further education

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What Is Money?

0 / 4 modules

Module 2.1

What Money Actually Is

Complete Chapter 1 first

Think — 3 questions

1. Money serves three functions. Which of these is NOT one of them?

A medium of exchange A measure of personal worth A store of value

2. Money is described as "emotionally dead." What does this mean?

Money makes people cold and uncaring Money has no feelings — it doesn't care about you, it's just a tool People who focus on money lose their emotions

3. Why do less than 25% of young adults demonstrate basic financial knowledge?

Because they are not smart enough Because nobody taught them — it's a gap in education, not a lack of ability Because money is too complicated for young people

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Talk to Fred →

Module 2.2

Supply, Demand and Your Personal Economy

Complete 2.1 first

Think — 3 questions

1. What happens to price when demand exceeds supply?

Price falls because more people are buying Price rises because what's available is scarce relative to demand Price stays the same — it's fixed by the manufacturer

2. How does supply and demand apply to YOU personally?

It doesn't — supply and demand only applies to products The more valuable and rare your skills, the more you can charge for them You should always buy things when demand is low

3. What did the INSEAD experience teach about value creation?

That expensive education always pays off That learning to communicate complex ideas clearly to others is one of the most valuable skills you can develop That networking is more important than knowledge

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Talk to Fred →

Module 2.3

Inflation and Interest Rates

Complete 2.2 first

Think — 3 questions

1. What does inflation mean for your money if it just sits in cash?

Its buying power stays the same Its buying power decreases — you can buy less with the same amount over time Its buying power increases because cash is safe

2. What are interest rates?

The fees banks charge for opening an account The price of borrowing money The rate at which prices rise each year

3. In the credit card example, a $1,000 phone bought on a card at 20% interest costs you approximately how much after a year of minimum payments?

$1,000 — the price doesn't change Over $1,200 — the interest adds significant cost $800 — minimum payments reduce the cost

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Talk to Fred →

Module 2.4

Why We Trust Money

Complete 2.3 first

Think — 3 questions

1. Why does paper money have value?

Because it is made from valuable materials Because we collectively trust the system and the governments that back it Because banks set its value each morning

2. What happens when trust in a currency collapses?

The government simply prints more money and the problem is solved Hyperinflation can occur — prices spiral out of control and money loses its value rapidly Other currencies automatically become worthless too

3. Money is described fundamentally as:

A physical object with real intrinsic value A social agreement — it works because we all agree that it does A government invention designed to control people

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More chapters coming soon

Chapter 3

Creating Value

Coming Soon

Chapter 4

The Road Ahead

Coming Soon

Chapter 5

Independence Is Not an Accident

Coming Soon

Chapter 6

Backing Your Goals

Coming Soon

Chapter 7

Debt — Danger or Tool?

Coming Soon

Chapter 8

Delayed Gratification

Coming Soon

Chapter 9

Time, Your Greatest Asset

Coming Soon

Chapter 10

Doing It

Coming Soon

Course Complete

Well done.

You've completed Chapters 1 and 2 of Money Starts With You.

This certifies that

Student

has completed Money Starts With You — Chapters 1 & 2

8 modules · Starts With You

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Money StartsWith You

Welcome to the course

Well done.

Money Starts
With You