Personal Finance 101

No jargon, no prerequisites, no signup to read. Fifteen short lessons that take you from "I have money in a few places" to one clear picture of what you are worth — and, if you want it, an AI assistant that can answer questions about it.

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Who this course is for

You have money in more than one place — a salary account, some shares, maybe a pension, a flat, a bit of crypto — and no single view of it. You have also noticed that everyone is talking about using AI for money, and you would like to know what is real and what is nonsense.

You do not need a finance background. You do not need to code. Every lesson is short, uses plain language, and ends with one thing you can actually do.

What you will learn

1. Money basics

What net worth means, how assets and liabilities differ, and why the number matters more than any individual investment.

2. AI for your money

What today’s AI assistants genuinely help with, what they get wrong, and which pieces of your financial life should never be pasted into a chat box.

3. Build your portfolio picture

Getting everything you own into one place — by import or by hand — and handling the awkward case where your money lives in several currencies.

4. Talk to your portfolio

Moving from generic advice to answers about your own numbers, including goals and financial independence.

5. Connect your own AI

The advanced finish: plugging Claude or ChatGPT directly into your portfolio so you can ask questions from the chat window you already use.

Free to read

Every lesson is public. You do not need an account to read the course, and the tracker’s core is free if you decide to practise alongside it.

How to take it

Read in order if you are starting from scratch — each module assumes the one before it. If you already track your net worth and just want the AI part, skip to Module 2. If you are a developer who came here for the Model Context Protocol, jump to Module 5.

Start with What is net worth?