What you’ll learn in Path 2
Path 2 is designed for people who already understand basic concepts like saving, debt, and investing. It helps you step up to a full life‑cycle framework that can support real planning work.
Replace one‑size‑fits‑all rules with decisions grounded in your own lifetime resources, risks, and goals, instead of what institutions happen to recommend.
Combine conventional net worth with human capital, Social Security, and pensions so you can see your full economic wealth, not just what shows up on a brokerage statement.
Learn to translate total lifetime resources into a sustainable annual living standard and see why smoothing consumption over time usually beats feast‑and‑famine spending.
Start from a target living standard and let saving, borrowing, and debt repayment be whatever is needed to support that path, instead of chasing arbitrary “save X%” rules.
Use diminishing marginal utility and simple life‑cycle models to understand why moving dollars from “too good” years to “too tight” years raises lifetime well‑being.
A free 1:1 session with Professor Puelz — for students who pass
Complete the Path 2 course, score 7 or higher on the closing quiz, and you unlock a free 15-minute live Zoom session with Professor Robert Puelz — focused entirely on your financial situation and questions.
This is not a webinar or a group call. It is a 1:1.
Scheduling is simple: after you pass, a form appears inside the course. Fill in a few good times and a sentence about what you want to discuss, and your request goes straight to the Moneygimme team.
Quick‑win challenges for Path 2
Along the way, Path 2 asks you to connect the model to your own situation in a few light‑lift ways:
- After the lifetime balance sheet lesson, jot down a rough estimate of your own human capital and how it compares to your current financial assets.
- After the consumption‑smoothing theory lesson, write one sentence about how your saving and borrowing pattern would need to change to keep your living standard smoother over time.
These quick reflections make the ideas easier to remember when you sit down with real numbers or planning software.
Watch the Path 2 overview
This short video introduces the life‑cycle ideas behind Path 2 and previews how the West/East examples, Harrison’s choices, and the consumption‑smoothing theory lessons fit together.
Watch it first to see how Path 2 turns lifetime balance sheets, affordability, and consumption smoothing into a practical way to think about your own financial life.
Continue to the full Path 2 course
From here, you’ll go straight into the full Path 2 lessons on lifetime balance sheets, affordability, saving as a consequence, and the theoretical foundations of economics‑based financial planning.
The course is written so you can move at your own pace and later plug your own numbers into a life‑cycle model using planning software such as MaxiFi. After you complete the Path 2 quiz, you’ll also be invited to schedule a free 15‑minute 1:1 Zoom call with me to talk through any questions you have about your financial journey.
Price: One‑time purchase of $99 for full access to Path 2.
When you unlock the full course, you’ll get all five Path 2 lessons, the West/East and Harrison examples, the closing quiz, and the chance to unlock a short 1:1 Zoom conversation with me after you do well on the quiz — a thank‑you for using Moneygimme and a chance to talk through your own questions.
After purchase, you’ll receive access instructions for the protected Path 2 course.
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