Unit 3 · Level 2 · Where money actually lands
Handing off to markets
Look back at the sequence. You measured the gap between what comes in and what goes out. You built a buffer so that a bad month stops being a crisis. You dealt with debt that was quietly outrunning any return you could earn. You sorted what was left by the date you need it. And you learned that the wrapper you buy inside can matter as much as the thing you buy. None of that is investing. All of it is what makes investing survivable.
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What you get asked
Put the Money course sequence back in order
Each step is what makes the next one safe. Skip the buffer and the first bad month forces you to sell. Skip the debt and you are working hard to earn 7% while paying 20%.
Why does this whole sequence come before any market course?
Markets punish forced sellers. Almost every story that ends with 'I lost everything' contains a moment where someone had to sell on a date they did not pick. The buffer, the debt work and the horizon are what buy you the right to wait.
The Money course settles how much you can risk; the market courses settle ___ you put it.
Two different questions, in a fixed order. Capacity first, allocation second. Getting the second one brilliantly right, on money you could never afford to commit, does not help you.
Match each course to the question it answers
Three questions that only work in this order. The first sets the size of everything the other two are allowed to touch.
You have finished the Money course. What does that actually qualify you to do?
Not to pick winners. To take part without being forced out. The gap, the buffer, the debts, the horizon and the wrapper are the floor everything else stands on, and it is now under you. The Investing and Trading courses start here. 🐜
The rest of this unit
The account you buy something inside can matter more than the thing you buy. Wrappers, tax treatment and the trade between shelter and access.