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Independent financial education

Plain-spoken money advice,
written down once and properly.

Two short, deliberate courses — distributed as PDFs — built from the same playbook Barnes Financial uses with private clients. No subscription. No upsell ladder. Read it, keep it, refer back when life changes.

See the coursesHow we think about money

Sample contents

What a single course covers

  • A 7-step monthly cash flow review
  • How to size an emergency fund correctly
  • Reading equity comp grants without spinning out
  • Three rules for asset allocation by decade
  • When to hire a CPA, an attorney, an advisor
Delivered as PDFUpdated annually

Our approach

Built to be read once and used for years.

01

Frameworks over hot takes

Markets shift. The decisions that compound — savings rate, asset allocation, tax positioning — don't. Our courses focus on the durable mechanics.

02

Written, not streamed

Reading is faster than watching, easier to revisit, and easier to share. Each course is a tight PDF you can mark up and keep.

03

Independent, fee-only

No products to sell, no commissions, no affiliated funds. The only thing we're selling is the course in front of you.

The Courses

Two PDFs. One curriculum, taught honestly.

Buy either. Buy both. Pay once, own it. Each course is delivered as a downloadable PDF immediately after checkout.

The Basic Course

Foundations of Personal Finance

$85
one-time

A clear, no-nonsense primer on the habits and frameworks that quietly compound into financial security. Built for first-time earners, career changers, and anyone tired of conflicting advice.

  • Budgeting that survives real life
  • Emergency funds, debt payoff order, and credit hygiene
  • An honest introduction to investing
  • How to read a paycheck, a 401(k) match, and a tax bracket
  • Negotiation scripts for raises and rates
Best for beginners

The Advanced Course

Strategy, Tax & Portfolio Design

$105
one-time

A working playbook for high-earners, founders, and households with real complexity. Concrete frameworks for portfolio construction, tax efficiency, and decisions that move the needle over decades.

  • Asset allocation by life stage and goal
  • Tax-loss harvesting, asset location, and Roth strategy
  • Equity compensation: RSUs, ISOs, NSOs, 83(b)
  • Retirement income sequencing and Social Security timing
  • Estate planning essentials and risk insurance audits
Best for complex finances

Questions

Anything you'd ask before clicking buy.

How is the course delivered?+

Immediately after payment you'll land on a confirmation page with secure download links for every course you bought. Save the page — the links stay valid for 14 days.

Do I need a Barnes Financial account?+

No. Checkout is one-time. We don't store passwords or run a portal. Pay, download, done.

Can I buy one course now and the other later?+

Yes. Each course is independent. The advanced course doesn't assume you've read the basic one, though they pair well.

Is this financial advice?+

It's financial education. The courses describe frameworks and worked examples, not personal recommendations for your specific situation. For tailored advice we recommend a fee-only fiduciary.

Refund policy?+

Because the products are downloadable files, all sales are final. If something is genuinely wrong with the file you received, email us and we'll make it right.