25 modules · 125 lessons · Evidence-based

Build a
financially fluent
mind.

Compound is a progressive mastery system for long-term investing. From what money actually is, to reading a 10-K, to building a tax-optimized portfolio, every lesson compounds on the last.

25Mastery modules
125Interactive lessons
5 minPer session
0Options or day trading

Your Learning Path

25 modules · unlock as you progress

0 XPearned
0% Complete
🔥0Day Streak
⭐0Total XP
Prudie Start with Lesson 1: every great investor began by understanding what money really is. 🌱
Foundation Layer
1
What Is Money?
Lesson 1 · barter, the three functions
Start →
2
What Makes Money Good?
Lesson 2 · hyperinflation, currency failure
🔒
3
What Is a Company?
Lesson 3 · limited liability, equity
🔒
4
How Stock Markets Work
Lesson 4 · order book, liquidity
🔒
5
Stock Valuation Basics
Lesson 5 · market cap, P/E ratio
🔒
Reading Layer PRO
6
Stock Quotes and Metrics
price, volume, 52-week range
🔒
7
The Income Statement
revenue, gross profit, net income
🔒
8
The Balance Sheet
assets, liabilities, equity
🔒
9
Cash Flow Statements
OCF, FCF, investing flows
🔒
10
Reading a 10-K
Item 1, Risk Factors, MD&A
🔒
Valuation Layer  PRO
11
Intrinsic Value Basics
price vs. value, margin of safety
🔒
12
Discounted Cash Flow
DCF model, terminal value
🔒
13
P/E, P/B and Multiples
valuation ratios, EV/EBITDA
🔒
14
Margin of Safety
discount requirement, conservatism
🔒
15
Competitive Moats
switching costs, network effects
🔒
Portfolio Layer  PRO
16
Diversification and Correlation
sector exposure, correlation, concentration risk
🔒
17
Asset Allocation
stocks, bonds, time horizon, risk tolerance
🔒
18
Index Funds vs. Stock Picking
fees, active vs passive, market efficiency
🔒
19
Rebalancing Systems
calendar, threshold, cash-flow rebalancing
🔒
20
Risk-Adjusted Returns
Sharpe ratio, max drawdown, benchmark
🔒
Optimization Layer  PRO
21
Tax-Advantaged Accounts
401(k), Roth IRA, employer match
🔒
22
Tax-Loss Harvesting
wash-sale rule, loss carryforward, timing
🔒
23
Dividend Strategy
yield, payout ratio, dividend growth
🔒
24
The Power of Compounding
rate, time, reinvestment, contributions
🔒
25
Behavioral Finance and Investor Psychology
loss aversion, overconfidence, recency bias
🔒
Full Curriculum

From novice to expert: one layer at a time.

25 modules. 5 progressive layers. No options. No day trading. No noise. Just the foundational mental models every serious investor needs, built in the right order.

💰
Foundation Layer
What money is, how markets work, and what you own when you buy a share.
1
What Is Money?
2
What Makes Money Good?
3
What Is a Company?
4
How Stock Markets Work
5
Stock Valuation Basics
📊
Reading Layer PRO
Decode stock quotes, financial statements, and the numbers behind any business.
6
Stock Quotes and Metrics
7
The Income Statement
8
The Balance Sheet
9
Cash Flow Statements
10
Reading a 10-K
🧠
Valuation Layer PRO
How investors think about price vs. value: the core skill of intelligent investing.
11
Intrinsic Value Basics
12
Discounted Cash Flow
13
P/E, P/B and Multiples
14
Margin of Safety
15
Competitive Moats
📐
Portfolio Layer PRO
Build a real strategy: diversification, rebalancing, and risk management.
16
Diversification and Correlation
17
Asset Allocation
18
Index Funds vs. Stock Picking
19
Rebalancing Systems
20
Risk-Adjusted Returns
🧾
Optimization Layer PRO
Tax-efficient investing, account types, and compounding strategies that separate good investors from great ones.
21
Tax-Advantaged Accounts
22
Tax-Loss Harvesting
23
Dividend Strategy
24
The Power of Compounding
25
Behavioral Finance and Investor Psychology

The best time to start
was yesterday.

The next best time is right now. Start for free. No credit card required.

Our Mission

Financial fluency is not a privilege.
It is a skill anyone can learn.

57%of Americans are invested in the stock market, but only 14% feel confident they understand how it works. (Gallup, 2023)
3xhigher long-term wealth accumulation among households with structured financial literacy, controlling for income. (Lusardi and Mitchell, 2014)
$0The cost of Lesson 1. The first step toward financial fluency should never have a paywall in front of it.

I grew up watching my parents build something from nothing. They came from Nigeria with drive, discipline, and a belief that the next generation would go further. They were right. But there was one thing I had to figure out largely on my own: how money actually works, how to grow it, and how to make it work for me the way it works for people who grew up already knowing.

That learning curve is the whole reason Compound exists. I built the course I wished I had found years earlier, one that takes the subject seriously, builds in the right order, and assumes you are intelligent but simply have never been taught this.

The wealth gap in this country is, in large part, a knowledge gap. California recently mandated financial literacy in every public high school and signed executive orders expanding wealth-building access for women. A long overdue acknowledgment that the information itself has always been the barrier, and that closing it changes what is possible across generations.

Compound is my contribution to that. Free to start, rigorous throughout, and built for anyone who is ready to close the gap for themselves and their family.

The Science

Every design decision
is backed by research.

Compound is not just a course. Every structural choice, from the order of concepts to the way feedback is delivered, is grounded in peer-reviewed learning science.

Anchored Instruction

Every concept is introduced through a concrete real-world scenario before the abstraction is named. The Cognition and Technology Group at Vanderbilt documented that this approach consistently produces deeper comprehension and better transfer to new problems than definition-first instruction.

CTGV, 1990 · Bransford et al., 2000

Cognitive Load Theory

Working memory holds roughly four items at once (Cowan, 2001). Each screen in Compound presents exactly one idea. Presenting a hook, cards, quiz, and simulator simultaneously would cause cognitive overload and eliminate retention. Every step is isolated to its own screen.

Sweller, 1988 · Cowan, 2001

Spaced Repetition

Without active retrieval, 70% of new information is lost within 24 hours (Ebbinghaus, 1885). Every lesson's second quiz question reaches back to a prior lesson, forcing retrieval at expanding intervals. This is the mechanism behind all durable long-term memory formation.

Ebbinghaus, 1885 · Roediger and Karpicke, 2006

The Generation Effect

Struggling to produce an answer encodes memory significantly deeper than passive reading (Slamecka and Graf, 1978). Card fronts in Compound never show the concept name. The friction of deducing the answer from the problem is the entire point.

Slamecka and Graf, 1978 · Bjork, 1994

High-Value Corrective Feedback

Generic "incorrect" responses create zero new neural pathways. Each wrong-answer option in Compound has its own targeted feedback that validates the reasoning behind the mistake, isolates the structural flaw, and redirects to the correct mental model.

Hattie and Timperley, 2007

Emotion as Memory Anchor

The amygdala prioritizes emotionally significant events for long-term storage. Information wrapped in mild surprise, tension, or awe is recalled 2 to 3 times better than neutral data. Prudie's moments of revelation are engineered memory anchors placed at the peak of each lesson.

Cahill and McGaugh, 1998
Legal

Terms of Service

Last updated: May 2026

These Terms of Service govern your use of Compound (compoundpower.netlify.app) and any related tools, including the Investment Policy Statement generator. By accessing or using Compound, you agree to these terms.

1. Educational Purpose Only
Compound is an educational platform. All content, tools, calculators, projections, and outputs, including the Investment Policy Statement, are provided for educational and informational purposes only. Nothing on Compound constitutes personalized financial advice, investment recommendations, tax advice, or legal advice. Compound is not a registered investment advisor, broker-dealer, or financial planner. You should consult a qualified, fee-only fiduciary financial advisor before making any investment or financial decisions.

2. No Guarantees
All financial projections and calculations presented in the IPS tool use historical averages and simplified models. Past performance is not indicative of future results. Actual returns, tax outcomes, and financial results will vary based on your individual circumstances, market conditions, and factors outside our control. We make no guarantee of accuracy, completeness, or fitness for any particular purpose.

3. Your Data
Any financial data you enter into Compound, including income, balances, and account information, is processed locally in your browser and is not transmitted to our servers. We collect anonymized usage analytics via Google Analytics to improve the product. See our Privacy Policy for full details.

4. Acceptable Use
You agree to use Compound only for lawful purposes and in a manner that does not infringe the rights of others. You may not copy, reproduce, distribute, or create derivative works from Compound's content or curriculum without explicit written permission.

5. Intellectual Property
All course content, lesson structure, pedagogy, simulators, and written materials are the intellectual property of Compound. The "Compound Method" and associated instructional design are proprietary. Nothing in these terms grants you any license to use Compound's intellectual property.

6. Limitation of Liability
To the fullest extent permitted by law, Compound and its creator shall not be liable for any financial losses, damages, or consequences arising from your use of or reliance on any content or tools provided on this platform.

7. Changes to These Terms
We may update these terms at any time. Continued use of Compound after changes are posted constitutes your acceptance of the revised terms.

8. Contact
Questions about these terms? Reach us through the contact information listed on the platform.

Legal

Privacy Policy

Last updated: May 2026

This Privacy Policy describes how Compound (compoundpower.netlify.app) handles your information. We take your privacy seriously and have designed Compound with that principle at its core.

What we collect
Compound collects anonymized usage analytics through Google Analytics 4 (GA4). This includes pages visited, lesson completion events, and general interaction patterns. This data is aggregated and does not identify you personally. We do not sell, share, or monetize this data.

What we do not collect
Any financial data you enter into Compound tools, including your income, account balances, investment amounts, or state of residence, is processed entirely within your browser. This data is stored only in your browser's localStorage and is never transmitted to Compound's servers or any third party. We cannot see it. We do not store it.

Account data
If you create a Compound account, we store your name, email address, and learning progress (XP, streak, completed lessons) in your browser's localStorage. This is used solely to restore your progress between sessions. Account data is not shared with third parties.

Cookies
Google Analytics may set cookies to distinguish unique visitors and session data. You can opt out of Google Analytics tracking via browser extensions or your browser's privacy settings. Compound does not set any first-party cookies beyond what is necessary for the learning experience.

California residents (CCPA)
If you are a California resident, you have the right to know what personal information we collect, to request deletion of your personal information, and to opt out of the sale of your personal information. Compound does not sell personal information. To exercise your rights, contact us through the platform.

Children's privacy
Compound is not directed at children under 13. We do not knowingly collect information from anyone under 13.

Changes to this policy
We may update this policy from time to time. We will note the date of the most recent update at the top of this page. Continued use of Compound after updates constitutes acceptance of the revised policy.

Contact
Questions about your privacy? Reach us through the contact information listed on the platform.

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📈

Welcome to Compound

A complete investing education, built in 5-minute lessons. Here is how it works.

📖
Read the Hook
Each lesson opens with a real-world story that sets up the concept. You follow Amara, a first-time investor, through every decision.
🃏
Reveal the Concepts
Tap three reveal cards to uncover the core ideas. Each card earns you XP. Blue underlined words open the glossary with a full definition.
⚙️
Use the Simulator
Interactive sliders let you see exactly how the concept works with real numbers. Change the inputs, watch the outputs respond.
🎯
Pass the Quiz
Two real-world scenario questions test whether you can actually apply the concept, not just recognise it. Answer both to complete the lesson.
😊
Meet Pecunia Prudence
Every lesson features a fact from Prudie, short for Pecunia Prudence. One precise, verified data point per lesson that puts the concept in real-world perspective.
🏁
Complete Modules and Unlock Layers
Finish all 5 lessons in a module, then pass the 10-question checkpoint to unlock the next layer. The course builds in the right order.

Page Guide

Everything on this page, explained.

Navigation
📊
Dashboard (progress panel): on the left side of your screen, shows all 25 lessons. Green checkmarks = completed. Lock icons = still locked. Gradient numbers = unlocked and ready.
🔥
Streak badge: tracks consecutive days of learning. Keeps you consistent.
⭐
XP counter: experience points earned by revealing cards and completing lessons. Shows how much you have learned.
Inside a Lesson
📖
Hook: the opening story. Sets up why this concept matters before explaining what it is.
🃏
Reveal cards: tap to uncover the three core concepts. Each one earns XP. The question on the front is the same question a real investor would ask.
🔵
Blue underlined words: tap any term highlighted in blue to open the glossary definition. Every financial term is defined with a real-life example.
⚙️
Simulator: interactive sliders that model the concept with real numbers. Move the inputs to see how outputs change in real time.
🎯
Quiz questions: two scenario-based questions per lesson. These test application, not memorisation. Detailed feedback explains every answer.
😊
Prudie's Piece: one verified fact per lesson from Pecunia Prudence, or Prudie. A precise, real-world data point that puts each concept in perspective.
Progression
🏁
Module checkpoints: after every 5 lessons, a 10-question quiz tests the full module. Pass 7/10 to unlock the next layer. You can retake as many times as needed.
🔒
Premium layers: Modules 2-5 (Reading, Valuation, Portfolio, Optimization) require a one-time unlock. Module 1 (Foundation) is free.
📚
Glossary: tap the book icon in the nav to open the full glossary. Search any financial term. Every definition includes a real-world example.
🎯

Placement Quiz

5 quick questions to find your starting point. Answer honestly, not optimistically.

📋
Wealth Blueprint
Your personal investing system, built from first principles.
Answer 11 questions. Get your Wealth Engine Score, a personalized asset allocation, paycheck waterfall, retirement projection, and ranked action plan.
🏆
Wealth Engine Score
A single number that tracks your structural progress
💧
Account Funding Waterfall
Where every dollar should go, in the optimal order
📊
Portfolio Drift Check
Enter your balances. Get exact rebalancing instructions.
📈
Tax Drag Projector
What an unoptimized portfolio costs you over 30 years
🎯
Action Plan
Ranked steps tailored to your income, horizon, and risk profile
🔓
Foundation Complete
Your Wealth Blueprint is Ready
You have learned how money works, how markets price assets, and how companies are structured. Now put it to work. Ten questions. A personalized investing system built from what you actually know.
💧
Account Funding WaterfallWhere every dollar should go, in the optimal order
📊
Portfolio Drift CheckEnter your balances. Get exact rebalancing instructions.
📈
Tax Drag ProjectorSee what an unoptimized portfolio costs over 30 years
🏆
Wealth Engine ScoreA single number that tracks your structural progress

📋

Your Wealth Blueprint

11 questions. Your personalized investing blueprint.

🛡️

Financial Pre-Flight Check

Four quick checks before we build your investment blueprint. An investment machine cannot compound if structural drags are working against it.

📊
Savings Rate
How much of your income is working, and how it splits between cash and investments.
Enter data
Monthly take-home ($)
Saved to HYSA / cash ($)
Invested ($)
401(k), Roth IRA, brokerage, etc.
💳
Debt Priority Check
Debts ranked by rate. The math on which to attack first.
Enter data
Enter balance and APR for any debt you carry. Leave blank or 0 to skip.
Balance ($) APR (%)
Credit card
Personal loan
Car loan
Student loan
private
Student loan
federal
Mortgage
Other
This is general educational information, not personalized financial advice. A fee-only fiduciary advisor can review your complete situation.
🛡️
Emergency Fund Shield
Without 3-6 months of expenses saved, emergencies force you to sell investments at the worst time.
Enter data
Monthly expenses ($)
Savings in HYSA ($)
🏦
Employer Match Capture
Leaving a match uncaptured is an immediate 50-100% loss on guaranteed capital.
Enter data
Annual salary ($)
Your 401(k) contribution
e.g. 6 means 6% of each paycheck
Employer matches up to
e.g. 3 means your employer adds up to 3%
You did it. Every concept, every simulator, every quiz. The market is open tomorrow, and you know exactly what to look for.
Certificate of Completion
Compound Certified
Financial Fundamentals & Intelligent Investing
This certifies completion of
All 25 lessons across 5 layers  · 
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Lessons
0
XP Earned
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