10 tracks

Your skill radar. Ten axes.

Every session nudges one or more axes. The radar is how you see progress over weeks — not vague "you got smarter," but concrete track-by-track improvement.

💵

Cash Flow

cash flow

Income vs expenses, budgeting basics, daily money hygiene.

🏦

Savings

savings

Individual savings + Ajo / Susu / Merry-Go-Round / Tontine / Gamia.

💳

Debt & Credit

debt credit

Cards, BNPL, credit-bureau mechanics, avalanche vs snowball.

🔍

Spending

spending

Impulse vs planned, subscription bloat, opportunity cost.

💼

Income

income

Salary + hourly value, side hustle, pension match.

📈

Investing

investing

Stocks, bonds, funds, FGN bonds, crypto, risk tiers.

🧾

Loans

loans

APR reality, amortisation, consolidation, payday traps.

🌳

Real-World

real world

Cascading decisions, windfalls, co-signing, scams.

📰

Macro & Markets

macro

Naira/FX, CBN rates, inflation, subsidy, AfCFTA, oil — the economy as the common person feels it.

🤖

AI & Finance

ai finance

Spot hallucinations, fake citations, stale data, pump-dump AI advice.