Bite-sized lessons on the words money people use. Plain English, real examples, 5 minutes a day. Built for your level, from “what’s a stock?” to your first finance job.
A 2-minute quiz finds your level. You skip what you already know and start where it gets new. Tap a level to see its path.
Every lesson is one new word, a real-life example, and a quick question. It’s short on purpose, so you actually come back tomorrow.
Answer a few quick questions. Total beginner or future analyst, you start in the right spot.
Each word is explained in plain English first. Then you see it in a paycheck, a headline, or a job offer.
Earn XP and keep your streak alive. The words you miss come back until they stick.
No textbook talk. Every word is explained like you’re 11, with real numbers.
Miss a word and it shows up again a few days later, right before you’d forget it.
A daily goal of 3, 5 or 10 minutes. Small enough to do on the train.
Heard a word on a call or in the news? Ask, and get a plain answer back.
Most money talk is just a few dozen words. Learn them and you can follow the meeting, read the offer letter, and ask the right question.
“They make a ton of money.”
“They bring in $2 billion of revenue and keep $200 million as profit.”
Revenue is all the money from sales. Profit is what’s left after every cost is paid.
“The stock is cheap.”
“It trades at 12 times earnings.”
You pay $12 for every $1 of profit the company makes in a year. This is the P/E ratio.
“My advisor takes a small cut.”
“I pay a 1% fee. On $200,000, that’s $2,000 a year.”
A management fee is a share of all your money, every year, whether it grows or not. 1% × $200,000 = $2,000.
“Work gives me free money for retirement.”
“My employer matches 4% in my 401(k).”
If you put 4% of your pay into your retirement account, your job adds another 4% on top.
“The company is worth $10 billion.”
“Its market cap is $10 billion.”
Market cap is the share price times the number of shares. It’s what all the shares are worth together.
The word is “management fee.” Lots of people pay one without knowing what it adds up to. Move the sliders to see what it costs you.
| Year | No fee | 1% fee | Lost to fees |
|---|
Example numbers. Growth is an assumption, not a promise. Real markets go up and down. To keep the math simple, a 1% fee is counted as 1% less growth each year. Finspeak teaches what words mean. It is not investment advice.
A 1% fee on $200,000, out of your pocket.1% × $200,000 = $2,000
A hedge fund that manages $100 million at 1% takes in this much.1% × $100,000,000 = $1,000,000
Most people just don’t know it yet. You put your money, your time and your skills somewhere, and hope they grow.
Buying a small business or a mobile app uses the same math. An app that earns $50,000 a year and sells for $150,000 is like a stock at 3 times earnings.
It runs on these words. Learn them and you’ll see how it really makes money, and why the margin moved last quarter.
Show the value you create in dollars. “I saved us $80,000 a year” beats “I worked really hard.”
Anyone who feels lost when the money talk starts. Total beginners, people with a 401(k) they don’t understand, and students aiming for a finance job. You pick your level when you start.
Yes. The company you work for runs on these words. Learn them and you can see how it makes money, and show the value you create in dollars.
Yes. The first level starts at “what is interest?” Nothing is assumed. Every word is explained in plain English with a real example.
No. The “Work at a hedge fund” level teaches how investors size up a business. You learn the six questions every good stock pitch answers, Peter Lynch’s six types of stock, and what keeps rivals out, like scale, network effects and switching costs. Then the numbers: return on invested capital (ROIC), incremental ROIC, the loyalty effect, and a rough yearly return (IRR) in five minutes.
No. Finspeak teaches what finance words mean. It never tells you what to buy or sell.
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