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Take the guesswork out of investing. 

What to Expect

Investing simplified

6+ hours of content
Great for beginners, with tons of room to dive deeper

Real change

Actionable to-do's and unique exercises using your very own personal finances

Life-time access

Revisit the coursework at any time to freshen up. All for only $75.

Good feels

Celebrate the win-win. Build wealth, help others. All profits go to effective charities.

Course Content

Dynamic videos, articles, personalized exercises & to-do's

Power of Investing

  • Cash vs investing: the pros & cons

  • Passive investing strategies

  • Stock dividends & bond interest

  • Compound growth

  • Exercises using your own financial info

Bank & Account Types

  • Navigating banks

  • Understanding account types (checking, saving, investing)

  • High-yield savings accounts

Tax-Advantaged Accounts

  • Intro to U.S. tax-advantaged accounts (401k/403b/457, IRA, 529, and HSA)

  • U.S. tax overview

  • Roth vs. Traditional (or Tax-Deferred) accounts

Funds

  • Mutual vs. index funds​

  • The 3-fund portfolio

  • Setting allocations

  • ETFs

  • Target-date funds

  • ESG funds

Build Your Financial Plan

  • Map your goals

  • Create a plan of action

  • Review example financial plans

When to Invest

  • Timing & frequency

  • Rebalancing allocations

  • Auto-investing

  • Access to the Y&S investment calendar

Tax-Advantaged Accounts (ADVANCED)

  • Rollovers & conversions

  • Required Minimum Distributions (RMDs)

  • Deep dives into the 401k, IRA, 529, HSA

Adam B.

"I loved how Rebecca pulled everything together in one place. I literally spent years reading books & articles to learn what she packages in an easy-to-understand course."

Chris & Annie T.

"So much financial “education” is paired with ads or a low-interest credit card offer. We love that Yield & Spread is informative without the upsell. For the first time as a couple, we have mapped out our goals."

Tyler S.

"Since taking the course, I increased my 401(k) contribution rate to12% and started maxing out my Roth IRA contributions."
Get a Sneak Peek

Just a small sample from our Learn to Invest & Build Wealth course

Financial education you can actually trust.

Education without the upsell. 

We do not sell financial products, nor do we make commissions.

  • I'm a true beginner. Will I be able to keep up?
    If you can use a computer and you understand basic math, then you are more than able to take this course and learn to invest.
  • What do I need to take the course?
    You don't need anything, but ideally you are able to get access to all your bank account information so you can begin taking action starting Day 1 of the course.
  • I wanna get rich quickly. Can you teach me how to do that?
    We can teach you how to get rich. But not quickly. Building wealth in a stable, growing manner doesn't happen overnight. If you're looking for a get rich quick scheme, this isn't it.
  • What type of investments will I learn about?
    You'll learn about stocks, bonds, and funds. We do not teach alternative investment strategies such as real estate, cryptocurrency, angel investing, etc. We are solely focused on passive investment strategies, investing without having to spend hours and hours doing research.
  • Does it matter what age I am?
    The strategy we teach in this course is best for those who have not yet reached traditional retirement age. So whether you are still in school or you are well into your career, this course is right for you.
  • Is this course only for people living in the US?
    The investing approach we teach is global in nature, but the nitty gritty accounts and taxes that are explained are U.S. focused.
  • I heard you used to teach this class live? Why is it online now?
    We decided to move online so we could reach more people. The live course had too many time restraints. However, we know a lot of you like to ask questions. So we are still offering live options for groups of people (10 or more). Please reach out if you are interested in something like this.
  • You said all profits go to charity. What are your costs?
    Most of the hard work put into Yield & Spread is volunteer-based. People have contributed their time and energy because they believe in our cause. Therefore, all of our operating costs are attributed to making this course available to you (our website, hosting our course online, etc.) We're quite lean and our annual costs are estimated to be <$700. So every dollar above and beyond that goes to charity.
  • What if I'm not satisfied with the course?
    We're committed to making you happy. If you pay for one of our courses and are not satisfied, you can request a refund within 3 weeks (21 days) after your payment. Please reach out with any questions. We don't offer partial refunds.
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