Hanimani: Payday

Money training

A real-life situation. Your decision. Hani explains. Five minutes, one new skill.

110 short money trainings in a game: budgeting, emergency fund, debt, investing, insurance. Real-life situations, your decisions, Hani explains each one.
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🧠 Money mindset

How money works and why we spend.

  1. What money really is
  2. Assets vs liabilities
  3. Personal cash flow
  4. Needs vs wants
  5. SMART money goals
  6. Impulse buying
  7. The "earn more, spend more" trap
  8. Psychology of money
  9. Good money habits
  10. Financial health check

📒 Budgeting

A monthly plan, tracking, spending control.

  1. How to make a budget
  2. The 50/30/20 rule
  3. Expense tracking
  4. Envelope budgeting
  5. Zero-based budget
  6. Family budget
  7. Irregular income budget
  8. Subscriptions and small spending
  9. Saving on groceries
  10. Monthly budget review

🐷 Saving

Cushion, goals, interest and inflation.

  1. How to save money
  2. Safety cushion
  3. Pay yourself first
  4. Automatic savings
  5. Self-care without debt
  6. Savings accounts and deposits
  7. Inflation
  8. Compound interest
  9. Rule of 72
  10. Money saving challenges

🏦 Banking and spending

Cards, big purchases, consumer rights.

  1. How banks work
  2. Debit vs credit card
  3. Cashback and rewards
  4. Price vs value
  5. Big purchase planning
  6. Buying a car
  7. Buy now, pay later
  8. Consumer rights
  9. Currency exchange and transfers
  10. Fine print

⛓️ Debt and credit

Interest, credit score, getting out of debt.

  1. Good debt vs bad debt
  2. APR explained
  3. Credit score
  4. How to build credit
  5. How to get out of debt
  6. Clearing debts: the snowball
  7. Credit cards and interest
  8. Refinance loan
  9. Payday loans
  10. Personal bankruptcy

💼 Income and career

Salary, raises, side income, skills.

  1. Types of income
  2. Pay stub explained
  3. How to ask for a raise
  4. Side hustle
  5. Freelancing
  6. Invest in yourself
  7. Salary negotiation
  8. Career growth
  9. Multiple income streams
  10. Time vs money

📈 Investing basics

Risk, stocks, bonds, funds.

  1. How to start investing
  2. Risk vs return
  3. What are stocks
  4. What are bonds
  5. Index funds and ETFs
  6. Diversification
  7. Brokerage account
  8. Dividend investing
  9. Investment fees eat returns
  10. Dollar cost averaging

🏠 Assets and wealth

Passive income, housing, portfolio.

  1. Your first asset
  2. Rent vs buy
  3. How mortgages work
  4. Rental property
  5. Cash on cash return
  6. Market cycles
  7. Crypto risks
  8. Gold and commodities
  9. Asset allocation by age
  10. Portfolio rebalancing

🛡️ Protection

Scams, insurance, taxes, crises.

  1. Financial scams
  2. Phishing and scam calls
  3. Ponzi schemes
  4. How insurance works
  5. Health and insurance
  6. How taxes work
  7. Tax deductions
  8. Identity theft
  9. Money in a crisis
  10. Family financial protection

🧩 Entrepreneurial thinking

Reasoning puzzles: price, risk, growth, choices.

  1. Profit per sale
  2. Raising prices without losing customers
  3. Test your idea before you spend
  4. Grow fast or stay profitable
  5. Hire or automate?
  6. Risk you can afford
  7. One priority
  8. Find your niche
  9. Cash gap
  10. Partners and agreements

🚪 Freedom and legacy

Independence, retirement, business, family.

  1. The road to freedom
  2. Retirement savings
  3. Your freedom number
  4. The 4% rule
  5. Starting a business
  6. Unit economics
  7. Teaching kids about money
  8. Money in relationships
  9. Wills and inheritance
  10. Money and wellbeing

Numbers are illustrative. A game, not financial advice.