Foundations Curriculum · Course 003 of 3
The Economics of Personal Money Decisions
Read your own household's economics with the same lens a licensed practitioner uses. Ten modules plus a capstone, taught by a practitioner. Each module pairs a narrated build with an interactive worksheet that constructs the Excel template step-by-step — you type each formula, the harness validates, and at module completion you download the .xlsx of your work.
Dr. Kareem Tannous · ≈ 2 hr 15 min across 10 videos (target) · Capstone deliverable: one-page personal economic model on your own household
Enrollment
$189 — Enroll for 12 months.
One-time payment. Twelve months of full access to Course 3 — The Economics of Personal Money Decisions from your enrollment date. No auto-renewal. No subscription. No card-on-file recharge.
Enroll for $189 →Or get all three Foundations Courses for $504 → Bundle ($63 off)
How access works
- 12 months of full access from your enrollment date.
- Renewal: $72 within 90 days of expiration — grants 6 more months of access locked to your current course version.
- Re-purchase: $189 any time — fresh 12 months, latest curriculum, free updates within the new window.
- No auto-renewal anywhere. Every renewal is an explicit, opt-in, one-time charge.
Welcome to Course 003
1:30 · Optional · Orientation
A quick orientation from Dr. Tannous — what the course covers, who it’s for, and the interactive-worksheet pattern that defines this course. Available the moment your enrollment completes.
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The Nine Modules
Module 1 of 9
13–15 min target · refcard ready
The Economic Lens — How Economists Read Money Decisions
The four-question framework practitioners use before making any major personal-finance call
Most of what people are taught about personal finance is repackaged marketing. This module teaches the underlying economics — the four-question framework practitioners use to read any money decision. All-in cost. Worst p…
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Module 2 of 9
12–14 min target · worksheet live
Income, Saving, and the Optimization Problem
Why "save more" is the wrong frame and what the right one looks like
The right saving rate is not 10%, 15%, or 20%. It's the optimization solution against this household's obligations and time horizons. This module reframes income and saving as an optimization problem: with these inputs a…
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Module 3 of 9
12–14 min target · worksheet live
Borrowing — When It Makes You Richer, When It Doesn't
The economics of leverage applied to personal balance sheets
Debt is not automatically bad and not automatically good. It's a tool that works when the asset purchased with it produces more income than the cost of the debt. This module covers the math of leverage applied to persona…
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Module 4 of 9
13–15 min target · worksheet live
Real Estate as a Financial Instrument (Not a Home)
Reading rent-vs-buy, mortgage structures, and home-as-investment claims like a practitioner
A home is housing service. It's also a financial instrument with leverage, illiquidity, and concentration risk. This module reads real estate through both lenses. Rent-vs-buy at current rates. Total cost of ownership. Th…
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Module 5 of 9
12–14 min target · worksheet live
Insurance as Risk Transfer (Not a Product to Sell)
How to read insurance products through the lens of expected value and tail risk
Insurance is risk transfer. The economic question is: which risks should you transfer (because you can't survive them yourself), and which should you keep (because the premium is more expensive than the expected loss)? T…
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Module 6 of 9
12–14 min target · worksheet live
Investing — The Four-Question Framework
Series 65 perspective on what an investment-adviser representative is required to consider
From the Series 65 perspective: what an investment-adviser representative is required to consider before any specific recommendation. Asset allocation, time horizon, tax efficiency, fee drag. This module teaches the fram…
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Module 7 of 9
13–15 min target · worksheet live
Major Life Decisions — The Decisions That Eat Most Money
Marriage, children, divorce, education, healthcare — where the math meets the values
The decisions that consume the most lifetime money aren't picking funds or refinancing. They're marriage, children, divorce, parents' care, education, healthcare events, and geography. This module covers the math the fra…
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Module 8 of 9
12–14 min target · worksheet live
The Behavioral Economics of Your Own Money
Why you keep making the same money mistake and how to stop
Most household money mistakes aren't ignorance — they're recurring patterns triggered by specific contexts. This module teaches you to identify your own household's two or three recurring patterns (you have at least two)…
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Module 9 of 9
12–14 min target · worksheet live
Building Your Personal Economics Audit
Synthesis — the eight tabs come together as the audit
Synthesis. The eight tabs you've built across Modules 2–8 come together as the personal economic audit. This module covers how to read the audit — what to look for first, what the patterns mean, and how to translate the…
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About This Preview Surface
Internal-only preview surface for founder review and testing. The HTML is served from Azure Static Web Apps; videos and the M01 reference card are served from Azure Blob Storage with public anonymous read. The robots meta on every page is noindex, nofollow.
Course 003 differs from Course 001 in production approach: HeyGen Avatar V is composited over an Excel screencast (avatar in lower-right corner; the workbook is the visual focus). The worksheet pedagogy is also different — instead of static .md worksheets, learners construct the Excel template step-by-step in an interactive builder that validates formulas and exports a working .xlsx file at module completion.
Status as of 2026-05-08: All 9 module scripts + capstone + welcome scripts authored and recorded. All 11 videos (Welcome + M01–M09 + Capstone) uploaded to blob storage and live on this surface. M01 reference card .xlsx and M01 quiz wired. Quizzes M02–M09 + Capstone and the capstone-mode worksheet builder are still pending.