A Complete Financial Literacy Course

The money manual
you were never given.

28 lessons, 12 worksheets, and a step-by-step system for adults who are ready to take control of their money — starting from wherever they are right now.

Enroll & Start Today →
28Video lessons
12Worksheets
5Core modules
~6 hrsTotal content

No class ever taught you this. No one handed you a manual. And yet the world expects you to manage a paycheck, avoid debt, build savings, and plan for retirement — completely on your own.

64%of Americans live paycheck to paycheck
$1T+in U.S. credit card debt right now
56%have less than $1,000 saved
33%have zero retirement savings
This course is for you if

You're ready to stop
guessing with money.

This is not a course for finance professionals. It's for real people who were never taught how money actually works — and who are ready to change that today.

You live paycheck to paycheck and want to finally break the cycle

You have debt you don't know how to get out of

You've never invested and don't know where to start

You earn a decent income but have nothing to show for it

You're tired of financial stress affecting every part of your life

You want a step-by-step system, not theory — and you're ready to do the work

What's inside

5 modules. 28 lessons.
A complete transformation.

Each module builds on the last — from getting control of your spending, to destroying debt, to building real wealth. Click any module to see what's inside.

Part 01 Budgeting & Taking Control 6 lessons · 2 worksheets
01Welcome & your financial starting point
02The 30-day spending auditWorksheet
03Needs vs. wants vs. wishes
04Building your first budget (the 50/30/20 method)Worksheet
05Zero-based budgeting deep dive
06Your emergency fund: the #1 priority
Part 02 Saving Like You Mean It 5 lessons · 2 worksheets
07Pay yourself first — the golden rule
08The real cost of small habitsWorksheet
0930 practical ways to spend less starting today
10Sinking funds — saving for big expensesWorksheet
11High-yield savings accounts explained
Part 03 Crushing Debt & Rebuilding Credit 7 lessons · 3 worksheets
12Understanding debt: good vs. bad
13Your complete debt inventoryWorksheet
14The Debt Snowball method — step by stepWorksheet
15The Debt Avalanche method — step by step
16Finding extra money to attack debt faster
17How your credit score really works
18Rebuilding credit from scratch or damageWorksheet
Part 04 Building Wealth Through Investing 6 lessons · 3 worksheets
19Compound interest: the eighth wonderWorksheet
20Your 401(k): free money you're leaving behind
21Roth IRA: the most powerful account you're not usingWorksheet
22Index funds explained simply
23Building multiple income streamsWorksheet
24Market crashes: what to do (and not do)
Part 05 Protecting Your Future 4 lessons · 2 worksheets
25Insurance 101: what you actually needWorksheet
26Retirement planning at any ageWorksheet
27Estate planning basics: wills & beneficiaries
28Your complete financial action plan
The shift

Before and after
this course.

Before
Stressed every time you look at your bank account
Living paycheck to paycheck with nothing saved
Carrying debt that never seems to go down
Investing feels like it's only for wealthy people
No plan, no budget, no idea where the money goes
One emergency away from financial crisis
After
A working budget that tells your money where to go
An emergency fund that protects you from disaster
A clear payoff plan and a debt-free date on the calendar
A Roth IRA and index funds compounding for you daily
Full visibility into your income, spending, and net worth
A 90-day action plan you can start the moment you finish
Included with every plan

12 professional worksheets.

Each worksheet is designed to be filled out immediately after the lesson — turning what you learn into real action on your actual finances.

01
30-Day Spending Audit
See exactly where your money went last month
02
Budget Builder
Build your first real monthly budget
03
Habit Cost Audit
Calculate the true cost of daily spending habits
04
Sinking Funds Planner
Plan and fund every future big expense
05
Debt Inventory
List every debt and choose your payoff strategy
06
Debt Snowball Tracker
Month-by-month payment log with milestones
07
12-Month Credit Rebuild
Month-by-month plan to transform your score
08
Compound Interest Planner
Run the real numbers for your situation
09
Roth IRA Setup Checklist
Step-by-step guide to opening your account
10
Income Streams Planner
Map your path to earning beyond one paycheck
11
Insurance Coverage Audit
Find every gap before it becomes a disaster
12
Retirement Planning
Calculate your number and close the gap
Your instructor
J
Jose
Financial Advisor · Registered Investment Advisor, Texas

I built this course because the people who need financial guidance the most are usually the ones who can least afford a private advisor. That gap bothered me — so I decided to close it.

I am a financial advisor and the founder of a registered investment advisory firm based in Texas. I work with clients every day on budgeting, debt elimination, investment strategy, and long-term wealth building.

What I teach in this course is exactly what I walk my clients through — distilled into a format anyone can access, at a fraction of the cost of private advisory. Grounded in real financial planning practice, not internet opinions.

Credentials
Financial Advisor · Registered Investment Advisor (RIA), Texas
Based in
Dallas–Fort Worth, Texas
Specialty
Budgeting, debt strategy, investment planning & wealth building
Course philosophy
Professional-grade financial guidance — accessible to everyone.
Student results

Real people. Real change.

★★★★★
"I paid off my first credit card three months after finishing Module 3. The Debt Snowball worksheet is still on my fridge."
Maria T.
Healthcare worker, Houston TX
★★★★★
"I opened my Roth IRA the same day I watched Lesson 21. This is the course I needed at 25."
DeShawn M.
Warehouse supervisor, Atlanta GA
★★★★★
"Nobody ever explained compound interest to me the way Jose does. I've already shared this with my sister and my coworker."
Priya R.
Administrative professional, Dallas TX
★★★★★
"I did the spending audit and could not believe what I was spending on food. First month I saved $380 just from the grocery habits section."
Carlos V.
Self-employed contractor, Phoenix AZ
★★★★★
"Finally a financial course that talks to me like a human, not like a textbook. Jose keeps it real the whole way through."
Keisha B.
Single mom, 3 kids, Memphis TN
★★★★★
"I was 41 and had never invested anything. Three weeks after finishing I had my 401(k) maxed to the employer match and a Roth IRA open."
Raymond L.
Truck driver, Indianapolis IN
Enrollment

Choose your plan.

One-time payment. Lifetime access. No subscription. No upsells.

Basic
$97

All the core lessons and the 3 most essential worksheets to get moving immediately.

  • All 28 video lessons
  • 3 core worksheets
  • Lifetime access
  • Mobile-friendly
Enroll in Basic
VIP + Coaching
$497

Everything in Complete, plus a private 1-on-1 session with Jose for a personalized financial game plan.

  • Everything in Complete
  • 60-min private coaching call
  • Personalized 90-day action plan
  • 30-day email access post-call
  • Limited spots available
Apply for VIP
30-Day Money-Back Guarantee

Complete the first two modules, do the worksheets, and if you don't feel this course is worth every penny — email me for a full refund. No questions, no hassle.

You were never taught this
in school. Now you will be.

The information is not complicated. The tools are all here. The only question is whether today is the day you decide to use them.

Start Money From Scratch Today →
Questions

Frequently asked.

Do I need any prior financial knowledge?+
None at all. This course is built for people starting from scratch — whether you've never looked at your spending, don't know what a Roth IRA is, or just never had someone explain any of this clearly. We start at the very beginning and build from there.
How long does it take to complete the course?+
There are approximately 6 hours of video content across 28 lessons. Most students go through one or two modules per week and finish in 3 to 5 weeks. You have lifetime access and can go at whatever pace works for your life.
What if I'm already in significant debt?+
This course was especially built for you. Module 3 is entirely dedicated to debt — facing it completely and demolishing it with a step-by-step strategy. The Debt Snowball Tracker worksheet has helped students pay off their first debt in as little as 2 to 3 months of focused effort.
I don't earn a lot. Will this course still help me?+
Yes — and this course was built with you in mind. Every strategy works on any income level. Students with modest incomes often see the fastest results because the budgeting and debt modules are immediately transformational. Building wealth is about habits and systems, not just income.
How long do I have access?+
Lifetime access. Once you enroll, the course is yours — you can return to any lesson or worksheet anytime. When new content is added to the Complete tier, you'll get it automatically at no extra charge.
Is there a refund policy?+
Yes — a full 30-day money-back guarantee. Complete the first two modules, do the worksheets, and if you don't feel the course is worth your investment, email me for a full refund. No questions, no hassle.

by Jose · Registered Investment Advisor, Texas · Dallas–Fort Worth, TX

© 2025 Money From Scratch. All rights reserved. This course is for educational purposes and does not constitute personalized financial, tax, or legal advice.


Your Instructor


Jose Medina
Jose Medina

My name is Jose Medina - MBA, I am the founder of J I Medina Investments, a Registered Investment Advisory Firm in Texas. I started the firm because I wanted to help those who didn't have the $250,000 threshold that a majority of firms require in order to work with you. I believe that everyone deserves access to financial planning and being financially literate. I created this course to do just that, educate people from all walks of life to become better with their finances. My education is a Master of Business Administration (MBA) in Finance and have experience in the financial industry for over 12 years. I've learned about the industry through formal education such as my degrees (MBA and BBA), reading from industry experts, and taking courses to become an expert in this industry. Jose Medina is a Premier Advisor at Investopedia. View profile HERE.

Contact info: info@medinaadvising.com


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