Money Misfits Course / Welcome
What you’ll get
By the end, you’ll have a working system: awareness → budget → credit → safety net → investing.
Less Stress
More Controll
Real Receipts
A working monthly budget that you will use
A credit plan you can actually follow
A simple system for saving and investing
Promise
if you do the tasks, your money will feel different — even if your income doesn’t change yet.
Money Misfits Personal Finance
Built for students who are tired of guessing, stressing, and wondering where their money went.
5 short, practical modules
Work sheets, checklists, real tasks and accounts
No prior financial knowledge needed
Welcome Video
Quick note from Prof. Heath: This isn’t a “watch and forget” course. It’s a do-the-task course. If you only watch, nothing changes.
Before you start:
Two Rules for this course
Do the tasks: watching alone doesn't change anything.
No shame: We use data not guilt.
What students mess up:
They overcomplicate it. They download 5 apps. They quit. Don’t do that.
The goals:
Keep it simple: It will ensure you finish.
Finish the Course: It will set you off on the right path.
Who This Course Is Good For
This is for you if ...
You’re in college or early career, your money disappears too fast, and you want a practical system instead of vague advice.
Or you just want to start investing the right way and you dont know how or are too afraid you will mess it up.
This is not for ...
People looking for get-rich-quick tricks, advanced investing strategies, or magic without doing the work.
What You'll Actually Build
Budget
A monthly budget that matches your real cash flow.).
Awareness
A clear picture of where your money is going and why.
Credit Plan
A smarter approach to credit cards and credit scores.
Emergency Strategy
A plan to create breathing room before life hits..
Investing Setup
A simple way to start small and automate it.
Confidence
Fewer money surprises and fewer panic decisions.
Course Modules
What Students Say
“I’ve had a Fidelity account for the longest time but never deposited funds because I didn’t know what to do. After watching your videos, I linked my bank account, opened a Roth IRA, and started contributing every month. I’m excited for this long-term journey.”
“Investing always felt intimidating and overwhelming, so I avoided it. This made it feel simple and doable, and I finally feel confident starting.”
“This was such a real and useful take… I’ve spent way too many semesters feeling broke because I wasn’t tracking where my money was going… this breakdown makes it feel doable instead of overwhelming.”
“This really made me realize that feeling broke often comes from not tracking spending, not just not having enough money.”
Frequently asked questions
Do I need a lot of money to start?
No. The course is built for students or young adults and works at low income levels too.
How long does it take?
It’s self-paced. Most students can move through it in a few weeks, but there’s no deadline.
Is this different from free money advice online?
Yes. This course is built around real tasks, not just content you watch and forget.