Two tracks. One membership.
Every module is included with your Morris Wealth Group subscription. Start with literacy, layer in AI, work through them at your pace.
Not sure where to start? Pick the path that sounds like you.
Each path sequences modules across tracks in the recommended order. Check off modules as you finish — progress saves to this browser.
Just getting started
You want a paycheck that finally makes sense and a safety net for the first time.
Debt-free and building
You've got the basics down and want to invest and optimize taxes with real confidence.
Catching up in your 40s & 50s
You feel behind on retirement and need a realistic, aggressive plan to close the gap.
AI-powered operator
You want to automate research, bookkeeping, and money decisions with your own AI stack.
Build & maintain great credit
You want to raise your score, clean up your report, and keep credit strong for mortgages, cars, and life.
Investor from CDs to crypto
You want a full map of where to put money — from cash and CDs through stocks, real estate, and crypto — with the right amount in each.
Not sure which path? Answer three questions.
We'll recommend a learning path and the exact course to start with — no signup required.
The Architect Method
Cash Flow & Budget Architecture
Zero-based budgets, fixed/variable modeling, sinking funds, and the emergency reserve ladder.
- Prereq
- None — start here
- Next
- Applied 02 · 90-Day Budget Lab
Debt Elimination Systems
Avalanche vs snowball math, refinance triggers, and student-loan playbooks.
- Prereq
- Literacy 01 · Cash Flow
- Next
- Applied 03 · Debt Payoff Simulator
Tax Optimization Foundations
Marginal vs effective rates, deductions, HSAs, and Roth vs Traditional decision trees.
- Prereq
- Literacy 01 · Cash Flow
- Next
- Applied 05 · Tax Return Walk-Through
Investing Fundamentals
Index funds, asset allocation, dollar-cost averaging, rebalancing, factor tilts.
- Prereq
- Literacy 01 + Savings 02
- Next
- Applied 04 · Build Your First Portfolio
Retirement Modeling
4% rule, sequence-of-returns risk, Social Security timing, withdrawal strategies.
- Prereq
- Literacy 04 · Investing Fundamentals
- Next
- Applied 06 · Retirement Projection Workshop
Generational Wealth & Estate
Trusts, beneficiaries, step-up basis, insurance layering, family governance.
- Prereq
- Literacy 05 · Retirement Modeling
- Next
- Career 06 · Estate & Beneficiary Setup
Credit Score Mastery
How FICO and VantageScore actually work, utilization targets, dispute playbooks, and the fastest legitimate ways to lift a score 40–100 points.
- Prereq
- Literacy 01 · Cash Flow
- Next
- Literacy 08 · Banking & Cash Management
Banking & Cash Management
Choosing checking, high-yield savings, and CDs. Multi-account architecture that automates bills, savings, and guilt-free spending.
- Prereq
- Literacy 01 · Cash Flow
- Next
- Literacy 09 · Insurance Fundamentals
Insurance Fundamentals
Term vs whole life, disability, umbrella, auto, and health plans. How much coverage you actually need at each life stage.
- Prereq
- Literacy 01 · Cash Flow
- Next
- Career 05 · Insurance Audit
Behavioral Finance & Money Psychology
Cognitive biases that wreck portfolios, spending triggers, and systems that make good decisions the default.
- Prereq
- Any Literacy 01–05 module
- Next
- Literacy 06 · Generational Wealth
Prompting for Profit
Prompt Engineering for Financial Analysis
Structured prompts for balance sheets, filings, and market research.
- Prereq
- None — start here
- Next
- AI 02 · Question Strategies
AI Question Strategies for Money Decisions
Frameworks for asking any financial question and getting a rigorous answer.
- Prereq
- AI 01 · Prompt Engineering
- Next
- AI 04 · Custom AI Advisors
Automating Personal Bookkeeping
Categorization, reconciliation, and monthly close using AI + spreadsheets.
- Prereq
- AI 01 + Literacy 01
- Next
- AI 04 · Custom AI Advisors
Building Custom AI Advisors
System prompts, tool use, and guardrails for a private financial assistant.
- Prereq
- AI 02 · Question Strategies
- Next
- AI 05 · Market Research
AI-Powered Market Research
Screening, summarization, and thesis generation across public filings.
- Prereq
- AI 04 + Literacy 04
- Next
- AI 06 · Risk & Compliance
Risk & Compliance for AI in Finance
Hallucination checks, verification, and when never to trust the model.
- Prereq
- Any AI 01–05 module
- Next
- Apply across your workflow
AI Tax Research Assistant
Build a prompt library for deductions, credits, and edge-case tax questions with citations back to IRS publications.
- Prereq
- AI 02 + Literacy 03
- Next
- AI 08 · Portfolio Rebalancing Copilot
Portfolio Rebalancing Copilot
Feed holdings and targets to an AI workflow that flags drift, tax-loss harvesting opportunities, and rebalance trades.
- Prereq
- AI 04 + Literacy 04
- Next
- AI 09 · Real Estate Deal Analyzer
Real Estate Deal Analyzer
Underwrite rentals and house-hacks with an AI-assisted spreadsheet: cap rate, cash-on-cash, DSCR, and stress tests.
- Prereq
- AI 01 · Prompt Engineering
- Next
- AI 10 · Financial Data Automation
Financial Data Automation with APIs
Connect Plaid, brokerage, and spreadsheet APIs. Let AI reconcile, categorize, and produce a monthly financial report on autopilot.
- Prereq
- AI 03 · Automating Bookkeeping
- Next
- AI 06 · Risk & Compliance
The Workshop Series
Build Your Personal Balance Sheet
Guided workshop: inventory assets and liabilities, calculate net worth, set a 12-month growth target with a live spreadsheet template.
- Prereq
- None — start here
- Next
- Applied 02 · Budget Lab
90-Day Budget Lab
Hands-on: import 3 months of transactions, categorize, identify leaks, and design a zero-based budget you actually run weekly.
- Prereq
- Literacy 01 · Cash Flow
- Next
- Savings 01 · $1,000 Buffer
Debt Payoff Simulator
Model avalanche, snowball, and refinance scenarios against your real balances. Ship a written payoff plan with milestones.
- Prereq
- Literacy 02 · Debt Elimination
- Next
- Savings 02 · 3-Month Emergency Fund
Build Your First Portfolio
Open a brokerage, pick an allocation, place your first trades, and set a rebalance calendar. Instructor-reviewed submissions.
- Prereq
- Literacy 04 · Investing Fundamentals
- Next
- Savings 04 · Retirement from Scratch
Tax Return Walk-Through
Line-by-line review of a real 1040. Identify deductions, credits, and adjustments most filers miss.
- Prereq
- Literacy 03 · Tax Foundations
- Next
- Career 03 · Freelancer Ops (1099 filers)
Retirement Projection Workshop
Build a Monte Carlo retirement model in a spreadsheet. Stress-test against inflation, drawdowns, and Social Security timing.
- Prereq
- Literacy 05 · Retirement Modeling
- Next
- Savings 06 · Turning Savings into Income
Net Worth Tracking System
Build a monthly net worth dashboard that auto-updates from account exports. Includes review ritual and quarterly goal check.
- Prereq
- Applied 01 · Balance Sheet
- Next
- Applied 08 · Cash Flow Forecast
12-Month Cash Flow Forecast
Project income, fixed costs, sinking funds, and savings 12 months out. Identify the exact months you'll be tight and pre-solve them.
- Prereq
- Applied 02 · Budget Lab
- Next
- Applied 09 · Insurance & Estate Audit
Insurance & Estate Document Audit
Line-by-line review of your policies, beneficiaries, and estate documents. Ship a corrected coverage stack in one weekend.
- Prereq
- Literacy 09 + Career 05
- Next
- Applied 10 · Annual Financial Review
Annual Financial Review Workshop
The end-of-year ritual: tax moves, Roth conversions, rebalancing, benefit elections, and goal reset for next year.
- Prereq
- Applied 04 + Applied 06
- Next
- Career 06 · Estate & Beneficiary Setup
The Wealth Runway
Salary Negotiation Clinic
Practice offer conversations with scripts, benchmark data, and a live role-play submission reviewed for delivery.
- Prereq
- None — start here
- Next
- Savings 01 · $1,000 Buffer
Side Income Playbook
Validate, price, and launch a service-based side income in 30 days. Includes contract and invoicing templates.
- Prereq
- Applied 01 · Balance Sheet
- Next
- Career 03 · Freelancer Ops
Freelancer & 1099 Financial Ops
Set up a business checking, quarterly estimated taxes, retirement accounts (SEP/Solo 401k), and clean bookkeeping.
- Prereq
- Literacy 03 + Career 02
- Next
- Applied 05 · Tax Return Walk-Through
Home Purchase Readiness
Underwrite yourself: DTI, reserves, PITI, closing costs. Build a 12-month plan to be mortgage-ready.
- Prereq
- Applied 01 + Savings 02
- Next
- Career 05 · Insurance Audit
Insurance Coverage Audit
Review life, disability, umbrella, health, and property coverage against your actual exposure. Rebuild the stack.
- Prereq
- Applied 01 · Balance Sheet
- Next
- Career 06 · Estate & Beneficiary
Estate & Beneficiary Setup
Draft a will, healthcare directive, and beneficiary matrix using included templates. Notarization checklist.
- Prereq
- Career 05 · Insurance Audit
- Next
- Literacy 06 · Generational Wealth
Career Pivot Financial Runway
Model the exact savings, benefits bridge, and timeline needed to change careers, go back to school, or take a sabbatical without derailing.
- Prereq
- Applied 08 · Cash Flow Forecast
- Next
- Career 08 · Equity Compensation
Equity Compensation Playbook
RSUs, ISOs, NSOs, ESPP, and 83(b) elections. Vesting, taxes, concentration risk, and when to sell vs hold.
- Prereq
- Literacy 03 + Literacy 04
- Next
- Career 09 · Small Business Setup
Small Business Financial Setup
Entity choice (LLC vs S-Corp), payroll, bookkeeping, retirement plans, and separating business from personal cleanly.
- Prereq
- Career 03 · Freelancer Ops
- Next
- Career 10 · Family Money Meeting
Family Money Meeting Framework
Run a monthly money meeting with your spouse or family. Templates for agenda, roles, and decisions without conflict.
- Prereq
- Career 01 · Salary Negotiation
- Next
- Literacy 06 · Generational Wealth
Emergency & Retirement Savings
Your First $1,000 Buffer
The starter emergency fund. Open a separate high-yield account, automate a weekly transfer that fits your paycheck, and protect it from everyday spending.
- Prereq
- None — start here
- Next
- Savings 02 · 3-Month Emergency Fund
Build a 3-Month Emergency Fund
Right-size your reserve to real fixed costs (rent, food, insurance, minimums). A 90-day roadmap with milestones for single earners, dual incomes, and 1099 workers.
- Prereq
- Savings 01 + Applied 02
- Next
- Savings 03 · Where to Park Cash
Where to Park Emergency Cash
High-yield savings vs money market vs T-bills vs I-bonds. Liquidity tiers, FDIC/SIPC coverage, and how to earn real interest without locking money up.
- Prereq
- Savings 02 · 3-Month Fund
- Next
- Savings 04 · Retirement from Scratch
Retirement Savings from Scratch
401(k) vs IRA vs Roth vs HSA in plain English. How to capture the full employer match, pick a contribution rate you can actually sustain, and set it and forget it.
- Prereq
- Savings 02 · 3-Month Fund
- Next
- Literacy 04 · Investing Fundamentals
Catch-Up Retirement Playbook (40s & 50s)
Behind on retirement? A structured plan using catch-up contributions, backdoor Roth, HSA-as-retirement, and realistic timeline modeling to close the gap.
- Prereq
- Savings 04 · Retirement from Scratch
- Next
- Literacy 05 · Retirement Modeling
Turning Savings into Retirement Income
The withdrawal side: 4% rule, bucket strategy, Roth conversion ladders, Social Security timing, and sequence-of-returns risk in the first 5 years of retirement.
- Prereq
- Literacy 05 · Retirement Modeling
- Next
- Career 06 · Estate & Beneficiary
Saving for a Home Down Payment
Right-size your target (3.5% FHA vs 20% conventional), pick the right account, and hit the number on a defined timeline without derailing retirement.
- Prereq
- Savings 02 · 3-Month Fund
- Next
- Career 04 · Home Purchase Readiness
College Savings & 529 Playbook
529s vs UTMAs vs Roth IRAs for education. Contribution strategies, state tax perks, and how to avoid over-saving.
- Prereq
- Savings 04 · Retirement from Scratch
- Next
- Savings 09 · Sinking Funds System
Sinking Funds System for Big Expenses
Cars, weddings, vacations, home repairs, medical. Build a sinking-fund architecture so "surprises" stop breaking the budget.
- Prereq
- Applied 02 · Budget Lab
- Next
- Savings 10 · Windfalls & Bonuses
Windfalls, Bonuses & Tax Refund Strategy
A repeatable framework for allocating any lump sum — bonus, refund, inheritance — across debt, savings, and investing without lifestyle creep.
- Prereq
- Savings 01 · $1,000 Buffer
- Next
- Literacy 04 · Investing Fundamentals
The Credit Blueprint
How Credit Actually Works
The five FICO factors, VantageScore differences, hard vs soft pulls, and how the bureaus (Equifax, Experian, TransUnion) actually collect and report data.
- Prereq
- None — start here
- Next
- Credit 02 · Pull & Read Your Reports
Pull & Read Your Credit Reports
Get all three reports free, walk through every line, and spot inaccuracies, stale accounts, and negative items that are hurting your score.
- Prereq
- Credit 01 · How Credit Works
- Next
- Credit 03 · Dispute Playbook
Dispute & Error Removal Playbook
Templates and step-by-step scripts to dispute inaccurate late payments, collections, and mixed-file errors with each bureau under the FCRA.
- Prereq
- Credit 02 · Read Your Reports
- Next
- Credit 04 · Utilization Mastery
Utilization Mastery
The 30/10/1% rules, statement-date payments, credit limit increase scripts, and the fastest legitimate way to drop utilization before a mortgage application.
- Prereq
- Credit 01 · How Credit Works
- Next
- Credit 05 · Building Credit from Zero
Building Credit from Zero or Thin File
Secured cards, credit-builder loans, authorized user strategy, and rent/utility reporting services to go from no score to 700+ in 12–18 months.
- Prereq
- Credit 01 · How Credit Works
- Next
- Credit 06 · Rebuilding After Damage
Rebuilding After Damage
Recovery playbook after collections, charge-offs, bankruptcy, or foreclosure. Timelines for score recovery and which negative items to prioritize.
- Prereq
- Credit 03 · Dispute Playbook
- Next
- Credit 07 · Card Strategy
Credit Card Strategy & Rewards
Pick the right cards for your stage, structure a rewards stack, and use cards as a spending system without ever paying interest.
- Prereq
- Credit 04 · Utilization Mastery
- Next
- Credit 08 · Mortgage Prep
Credit for Mortgages & Big Loans
The 12-month prep window: which scores lenders actually use, minimum thresholds for the best rates, and moves to avoid in the 90 days before applying.
- Prereq
- Credit 04 + Career 04
- Next
- Credit 09 · Identity Theft Defense
Identity Theft & Fraud Defense
Freeze your credit at all four bureaus, set up fraud alerts, monitor for new-account fraud, and a step-by-step recovery plan if your identity is stolen.
- Prereq
- Credit 02 · Read Your Reports
- Next
- Credit 10 · Long-Term Maintenance
Long-Term Credit Maintenance
Annual review ritual, keeping old accounts alive, managing credit through major life events (divorce, death, moves), and staying above 780 for life.
- Prereq
- Any Credit 01–09 module
- Next
- Career 04 · Home Purchase Readiness
Investment risk & suitability disclaimer
The Investing Spectrum modules — including material on CDs, money market funds, Treasuries, bonds, index funds, individual stocks, dividend investing, real estate, crypto and digital assets, options, and other alternatives — are provided for general educational purposes only. Nothing in these courses is personalized investment, tax, legal, or retirement advice, and nothing constitutes a recommendation, offer, or solicitation to buy or sell any security, asset, or strategy.
All investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Different assets carry very different risk, liquidity, and tax profiles. Cryptocurrencies, options, private real estate, and other alternatives can be highly volatile, illiquid, or result in losses greater than the amount invested. Yields on cash, CDs, and Treasuries are not guaranteed to keep pace with inflation.
Whether any strategy discussed is suitable for you depends on your individual objectives, time horizon, income, tax situation, existing holdings, and risk tolerance. Morris Wealth Group course content does not consider your personal circumstances. You should consult a licensed financial advisor, tax professional, and/or attorney before acting on anything presented in these modules.
By continuing, you acknowledge you have read this notice and understand that any decisions you make based on this material are made at your own risk.