Money & Investing

24 templates · Updated 2026-08-11

Personal-finance tutors that work from your own balances and brackets — backdoor Roth mechanics, a first index-fund order, home-buying maths, Roth versus traditional. Mostly for individual investors and the audiences of finance creators. Every template ends in a decision made on your numbers, not generic advice.

• Alonso — Dividend Investing: Spot the Yield Trap

  Dividend investing for income hunters who buy the highest yield on the screener: 1:1 analysis practice, not buy calls. Six weeks of defending three real tickers on payout ratio and cash flow coverage, ending when they can read a dividend cut before it happens.

• Caius — Retirement Withdrawal Strategy: Order and Conversions

  Retirement withdrawal strategy for clients three to five years out, worked 1:1 on their own balances rather than a rule of thumb. Six sessions from the three buckets to IRMAA cliffs and what RMDs force, ending with a written withdrawal order they can defend.

• Calla — CFP Exam Prep: The Long Case Studies

  CFP exam prep aimed at the two long case studies, drilled 1:1 with retakers who know the material cold. Five timed rounds where every assumption is cross-examined until they cite the fact behind it, ending when two consecutive cases carry none unsupported.

• Callum — Divorce Financial Settlement: House, 401k, QDRO

  Divorce financial settlement maths for clients offered the house in exchange for the 401k, worked 1:1 before mediation. Five sessions pricing each asset after tax, from QDRO splits to the 2017 alimony rules, ending when they hold a boundary at the table.

• Haruki — Backdoor Roth IRA Without the Pro-Rata Trap

  Backdoor Roth IRA for high earners above the phase-out, taught 1:1 by an AI tutor that works from your own balances. Five sessions on pro-rata, your rollover IRA and Form 8606 line by line, ending when you can state your 31 December balance and taxable conversion amount.

• Hattie — Invest in Index Funds: Your First Order

  How to invest in index funds, taught 1:1 on your own live order screen by an AI tutor. Four sessions from opening the account to expense ratios and market versus limit, ending when you have placed one order and can explain what you bought.

• Havana — Get a Collection Off Your Credit Report

  How to remove a collection from credit report entries, with an AI tutor that takes each letter apart before you send it. Six weeks from validation versus dispute to the goodwill letter and pay-for-delete reality, ending when you have sent both and can read the bureau reply.

• Hedda — First Time Home Buyer: What You Can Afford

  First time home buyer maths, taught 1:1 by an AI tutor that attacks the payment you claim you can afford. Six sessions on your real DTI, points break-even, PMI to eighty percent LTV and the Loan Estimate, ending at a maximum monthly payment you can defend.

• Helena — Roth vs Traditional 401k at Your Bracket

  Roth vs traditional 401k, worked through 1:1 with an AI tutor that never says it depends without saying what it depends on. Four sessions on your marginal bracket, your state now versus in retirement, and the split, ending when you can defend it in under two minutes.

• Hendrik — Student Loan Repayment Plan 2026: RAP or IBR

  Student loan repayment plan 2026, decided 1:1 with an AI tutor for federal borrowers dumped out of SAVE. Five sessions weighing RAP against IBR on your own loan types and PSLF credit, ending with a choice you can justify before the 1 July 2026 cutoff.

• Hero — Freelance Taxes: Deductions You Can Defend

  Freelance taxes for a first year of 1099 income, taught 1:1 by an AI tutor that asks where the receipt is. Six sessions from self-employment tax at 15.3 percent to the home office, mileage substantiation and QBI, ending when you can categorise a full month of transactions.

• Hilda — CFA Level 1 Preparation: Ethics Vignettes

  CFA Level 1 preparation for working candidates, taught 1:1 by an AI tutor that attacks weak reasoning before showing the answer. Ten weeks of grey-area ethics vignettes in ninety-minute weekday evenings, ending when your timed scores hold steady and the Practical Skills Module is done.

• Hollis — How to Choose 401k Investments From Your Menu

  How to choose 401k investments from your own twenty-two line menu, with an AI tutor that prices every pick. Four sessions on fee disclosure, revenue sharing, target-date funds and company stock, ending when you can explain your allocation and what it costs a year.

• Honor — Crypto Taxes and Your First Form 1099-DA

  Crypto taxes with an AI tutor for the year your exchange sends a Form 1099-DA that does not match your records. Five sessions of 1:1 reconciliation across wallet-by-wallet cost basis, staking and airdrops, Form 8949 and Schedule D, ending when your totals tie out line for line.

• Horacio — HSA Investment Strategy: Stop Spending It

  HSA investment strategy for a balance sitting in cash, pressure-tested 1:1 by an AI tutor that insists on documentation. Five sessions from 2026 eligibility to reimbursing yourself years later, ending with a funding rule and a receipt system you actually use.

• Hosea — How to Negotiate Medical Bills on the Phone

  How to negotiate medical bills out loud, 1:1 with an AI tutor that plays the billing rep who says no first. Five sessions from the itemised bill to charity care and appealing a denied claim, ending when you ask for a supervisor without apologising.

• Hulda — Quarterly Estimated Taxes Without the Penalty

  Quarterly estimated taxes rebuilt as a 1:1 drill with an AI tutor, repeated every quarter instead of explained once. A four-session cycle on safe harbour, the annualised method and the due-date calendar, ending when you can size a voucher in ten minutes.

• Hyun — Why Your Options Trading Strategies Keep Losing

  Options trading strategies pulled apart 1:1 by an AI tutor that reads your real trade log. Six weeks on theta, IV crush around earnings, position sizing and the 0DTE trap, ending when you set a sizing rule and an exit rule before every entry.

• Ibrahim — Financial Modeling for Beginners Who Own a Budget

  Financial modeling for beginners who suddenly own a budget, with an AI tutor that attacks every driver behind the number. Six weeks from the revenue build to unit economics and the board version, ending when you present your own model in ten minutes.

• Idalia — Inherited IRA 10 Year Rule: Your Withdrawal Schedule

  Inherited IRA 10 year rule, mapped 1:1 with an AI tutor against the account you actually inherited. Four sessions on annual RMDs across ten tax years and your bracket, including inherited Roth differences, ending with a withdrawal schedule you can defend.

• Ignacio — How to Read a 10-K Yourself

  How to read a 10-K on a company you actually care about, 1:1 with an AI tutor that assigns pages. Five sessions from EDGAR and MD&A to cash-flow quality and which risk factors are real, ending when you summarise the whole filing in one page.

• Ilaria — Portfolio Rebalancing Without a Surprise Tax Bill

  Portfolio rebalancing in a taxable account, taught 1:1 by an AI tutor that works from your own lot-level holdings. Four sessions on drift, rebalancing with new contributions and harvesting losses without a wash sale, ending in a written policy naming your bands and thirty-day window.

• Mario — Open Enrollment Benefits: HDHP or PPO

  Open enrollment benefits explained 1:1 by a tutor neutral between plans, working from each employee's own claims, prescriptions and cash buffer. Four short sessions on HDHP plus HSA against the PPO, ending inside the two-week window with an election each person can state and defend.

• Noa — Finance for Non Finance Managers: Defend the Case

  Finance for non finance managers, taught 1:1 on the real headcount or renewal case a manager has to defend. Five build-and-defend sessions on payback, cash timing and the do-nothing option, using your approved hurdle rate, until the case holds through three challenges from a finance partner.