top of page
NEW jr & sr Start April 8 2026.jpg

Asset Class

Goal

  • Owner’s Mindset: Shift from thinking like an employee to thinking like an owner and leader.

​​

  • Mastering Leverage: Learn how to use credit as a tool for growth, not a burden.

​​

  • Smart ROI Decisions: How to evaluate big investments—like college or a car—to ensure they pay off for you.

​

  • The Value of You: Learn to calculate the true worth of your time and maximize your potential.

​

  • Building Momentum: Understanding how investing creates freedom over time.

The 6 Week Plan

​

DESIGN YOUR FUTURE. OWN YOUR OUTCOMES. This plan provides the "rules of the game" so students can operate with leverage rather than being passive participants in the economy.

​​​

Week 1: You, Inc. & The Value of Your Time

  • The Shift: You are a business, and time is your primary capital.

  • The Lesson: Blending opportunity cost with personal OpEx. We establish that every purchase costs hours of your life, and introduce the concept of "Runway" (how long you can survive without income).

  • The Metric: The Hourly Rate of Your Life & Break-Even Point.

  • Activity: Calculate your break-even. Then, translate a $1,000 smartphone into hours worked at a starting wage.

​​

Week 2: Capital Allocation & Smart ROI

  • The Shift: Big life choices (like college or cars) are capital investments, not just rites of passage.

  • The Lesson: How to calculate Return on Invested Capital (ROIC). We look at the "Cost of Goods Sold" for a degree versus the lift in future earnings.

  • The Metric: ROIC and Amortization.

  • Activity: The Student Loan Truth. We pull up an amortization schedule to visualize how a $50k loan at minimum payments evaporates $30k of future freedom.

​​

Week 3: The Leverage Game & Reading the Fine Print

  • The Shift: A high credit score makes you a profitable borrower; the person with the most information wins the transaction.

  • The Lesson: How credit cards, "Buy Now, Pay Later," and leases are designed to keep you on a payment treadmill. We merge this with reading the fine print—spotting the "gotchas" designed to extract value from the uninformed.

  • The Metric: True cost of low monthly payments and identifying incentive structures.

  • Activity: Spot the Gotcha & The Car Lease Trap. Analyzing a redacted credit card agreement or car dealership offer to expose the manipulated numbers.

​​

Week 4: The Owner’s Mindset: Labor vs. Equity

  • The Shift: W-2 employees "rent" their time; owners build equity.

  • The Lesson: Why labor is taxed at the highest rate and capital is taxed at the lowest. This is where you heavily plant the seed of entrepreneurship and business ownership.

  • The Metric: Effective Hourly Wage (Take-home pay after taxes, commuting, and working costs).

  • Activity: The W-2 Walkthrough. Dissecting a pay stub to see who gets paid first before the worker does.

​​

Week 5: Investing as "Buying Freedom"

  • The Shift: Investing isn't about getting rich quick; it's about buying your time back.

  • The Lesson: When you own assets (like index funds or a business), you are the Capitalist profiting from innovation. This creates momentum and breaks the time-for-money trade. We learn about compounding. 

  • The Metric: Yield vs. Inflation.

  • Activity: The Owner’s Portfolio. Designing a simple strategy where money works harder than the student does.

​​

Week 6: The Exit Strategy (Capstone)

  • The Shift: Building a life where you hold the leverage.

  • The Lesson: Synthesizing the 6 weeks into a concrete philosophy.

  • Activity: Mapping Independence Day. Students calculate the exact metric they need to hit to no longer have to trade time for survival.

bottom of page