Questions, answered plainly.

A personal finance education company for early-career professionals. It teaches how budgeting, debt, credit, employee benefits, investing and planning fit together, and offers tools like the Plan Builder to apply that education to your own numbers.

Early-career professionals, and anyone else who earns money but was never taught what to do with it. You don’t need a finance background.

If you want someone to manage your portfolio, give legal or tax advice, or promise returns, Adulting Finances isn’t the right fit.

Through The Adulting Finances Program. It doesn’t sell financial products or earn commissions on anything you choose.

Free content answers questions one at a time. This program teaches the whole system in order, has you apply each lesson to your own numbers, and ends with a written plan you keep and keep using. The free library stays free and is a good place to start.

Module 1 assumes nothing. Every term is defined the first time it appears, and the free sample lesson shows exactly how a lesson reads. A free account opens all of Module 1, so you can see whether it suits you before you pay.

The investing modules connect what you already hold to the rest of your plan: your match and benefits, the cash you’ll need soon, your debt, and how much risk you can actually carry. Move quickly through what you know; the plan still needs your numbers.

Yes. Paying down debt, protecting a household and planning with a partner are all covered, and the fictional households in the examples include people in those situations. If paying for the program would mean borrowing, don’t. Start with the free lessons and the checklist.

About 15 hours across 67 lessons, plus time for the actions. It’s self-paced: work through a module or two a week, or whatever fits. Access continues for as long as the program is offered.

Yes. The sample lesson is open to everyone, and a free account opens all of Module 1 plus the first sections of your plan, with progress saved. If you enroll later, everything you’ve done carries over. The Plan Builder and the rest of the modules come with the program.

No. It’s financial education. Adulting Finances isn’t a registered investment adviser, and the program doesn’t recommend specific securities, funds or financial products. You learn how to evaluate your own options, and you make and write down your own decisions.

No. The Plan Builder is part of the program. Lessons send you to it when you need to model your own numbers, and there’s nothing else to buy to finish the course or your plan.

One-on-one help, plus occasional group Q&A sessions on the course topics. One-on-one help covers what your Plan Builder results mean and how they were calculated, and how to use the lessons, tools and your plan. Ask through the contact page, or send your Plan Builder report to Ryan with a question. It isn’t financial planning or advice: it explains how the numbers work and never tells you what to do. Advice about your own situation comes from a licensed professional.

Full refund within 14 days of purchase if you’ve completed less than a quarter of the lessons. Email us from the address on your account and we’ll process it. After 14 days, or once you’ve completed a quarter of the lessons, purchases are final.

Time-sensitive figures, like contribution limits and tax brackets, are labeled with the tax year they apply to and link to their official source, with the date they were last checked. They’re updated as rules change.

No. The calculators handle the arithmetic. You’ll learn what the numbers mean and which ones matter for each decision.

No. Adulting Finances is an education company, not a registered investment adviser, and Ryan isn’t acting as anyone’s investment adviser or fiduciary. Ryan is preparing for the Series 65 exam. Any future advisory service would be offered separately and only after the required registration.

No. Adulting Finances doesn’t manage accounts or place trades. If you’re a customer of the existing technical-analysis program, ask about its tools and execution details directly before using them.

No. For legal matters, including bankruptcy, or for tax planning, consult a qualified attorney or tax professional. Lessons about taxes are general education.

A guided tool for your income, expenses, debts, assets, goals and benefits. It shows your cash-flow baseline, cash runway and debt payoff timeline, compares ways to split your surplus side by side, runs scenarios and produces a PDF summary. It also lists what it knows, what it still needs and what is changing soon.

The Plan Builder is included in The Adulting Finances Program. It isn’t sold on its own.

Your plan saves to your account so you can come back, update your numbers and recalculate.

Your plan is stored with your account. Adulting Finances only receives a copy of your report if you choose to send it. The privacy policy lists the services involved.

Yes, for understanding the program. One-on-one help covers what your Plan Builder results mean and how they were calculated, and how to use the lessons, tools and your plan. Ask through the contact page, or send your Plan Builder report to Ryan with a question. It isn’t financial planning or advice: it explains how the numbers work and never tells you what to do. Advice about your own situation comes from a licensed professional.

One-on-one help with the Plan Builder and the program, and occasional group educational Q&A sessions. Neither is financial planning or a recommendation.

Yes. Topic guides, lessons, the Personal Finance Checklist and the starting-point check are free.

It’s the flagship self-paced program: 13 modules from your financial baseline through investing and major decisions, with interactive tools, scenario questions and one action per lesson. You finish with a written Financial Plan. The Plan Builder is included. It’s $1,999, paid once. Full refund within 14 days of purchase if you’ve completed less than a quarter of the lessons. A full sample lesson is free on the program page.