Finance is one of the largest industries in the world. It touches every decision you make — where you live, what you eat, how you retire, what you leave behind.

金融是世界上最大的行业之一。它影响你所做的每一个决定——你住在哪里、吃什么、怎么退休、留下什么。

And yet, almost nobody teaches it. Not in school. Not at home. Not at work.

然而，几乎没人教过你。学校没教、家里没教、公司也没教。

The result is predictable.

结果可想而知。

These are not moral failings. They are the predictable result of never being taught.

这不是道德问题，而是"从来没人教过"的必然结果。

This course is different.

这门课不一样。

There are two ways to teach finance. One is the way a textbook does it — with jargon, Greek letters, and derivations that assume you already know what a derivative is. The other is the way a friend would do it — with simple language, common examples, and a focus on what actually matters.

教金融有两种方式。一种是教科书的方式——充满术语、希腊字母，默认你已经懂什么是衍生品。另一种是朋友聊天的方式——用简单的语言，讲常见的例子，只关注真正重要的东西。

This course does the second one.

这门课用的是第二种。

It's not what you earn that counts. It's what you keep.

真正重要的不是你赚了多少，而是你留下了多少。

Over the next 38 lessons, you will learn the four habits of financially healthy people:

在接下来的 38 节课中，你会学到财务健康的人都有的四个习惯：

• Make Money — the inputs
• Save Money — the discipline
• Grow Money — the math
• Protect Money — the insurance

• 挣钱——源头
• 存钱——纪律
• 让钱生钱——数学
• 保护钱——保险

You don't need a degree. You need about an hour a day for two weeks.

你不需要学位。你只需要每天一小时，坚持两周。