ROUTES
SYSTEM MAP · 6 LINES · 67 STATIONS · 67 WRITTEN
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ABOUT ·
THE PLEDGE
P
Paycheck & Taxes
C
Cushion & Protection
D
Debt
I
Investing
T
Trading
M
Modern Money
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PICK A LINE OR A STATION
ZONE 1
BASICS
ZONE 2
GETTING SET
ZONE 3
BUILDING
ZONE 4
ADVANCED
ZONE 5
EXPERT
Paycheck
P1
Gross vs net pay
P2
Taxes withheld
P3
Direct deposit
P4
Checking account
P5
Overdraft
P6
Emergency fund
P7·C5
Budget basics
P8
Side income & 1099
P9
Capital gains tax
P10
Tax-loss harvesting
P11
Savings account
C1
High-yield savings account
C2
APY vs interest rate
C3
FDIC insurance
C4
Insurance basics
C6
HSA
C7
Certificate of deposit
C8
Money market fund
C9
Inflation
C10
The Fed & interest rates
C11
Credit score
D1
Credit card
D2
APR
D3
Buy now, pay later
D4
Compound growth
I5·D5
Student loans
D6
Car loans
D7
Mortgage & PMI
D8
Refinancing
D9
Debt payoff math
D10
401(k) match
I1
Roth vs traditional
I2
Index fund
I3
Expense ratio
I4
Brokerage account
I6
Stocks vs bonds
I7
ETF vs mutual fund
I8
Target-date fund
I9
Diversification
I10
Dollar-cost averaging
I11
Dividends
I12
Rebalancing
I13
Risk tolerance
I14
Valuation basics
I15
Bond yields
I16
Leverage
I17·T7
Withdrawal rates
I18
Estate basics
I19
Order types
T1
Bid-ask spread
T2
Volatility
T3
Technical vs fundamental
T4
Margin
T5
Short selling
T6
Options basics
T8
Position sizing
T9
Futures
T10
Backtesting
T11
Scams & red flags
M1
Fintech "banks"
M2
Robo-advisors
M3
AI money tools
M4
AI-generated finance content
M5
Crypto & stablecoins
M6
Tokenized assets
M7
Prediction markets
M8
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