// BigCat's Learning Hub

Personal Finance个人理财

Manage, protect, and plan your own money—cash flow, tax, insurance, housing, retirement, equity comp. Actionable; no stock picks, no fluff.

Division of labor with investing: investing covers "how to grow money" (markets/valuation/portfolio); this site covers "how to manage, protect, and plan your own money." US accounts & tax as default; China contrasts noted. Each issue carries a "note for high-earning tech workers."
Phase AFoundations: Cash Flow & Mindset
Day 1Personal Finance First Principleslive Day 2Cash Flow & Budgeting Systemlive Day 3Emergency Fund & Bufferlive Day 4Behavioral Money Designlive
Phase BDebt & Credit
Day 5Good Debt vs Bad Debtlive Day 6The Credit System (US)live
Phase CTax (High-Income US Lens)
Day 7How Income Tax Workslive Day 8Map of Tax-Advantaged Accountslive Day 9Legal Tax Reductionlive
Phase DEquity Compensation
Day 10Equity Comp 101live Day 11Option Tax Landmineslive
Phase EInsurance (Defense)
Day 12First Principles of Insurancelive Day 13Life & Income Insurancelive Day 14Property & Liability Insurancelive
Phase FBig Decisions: Housing & Family
Day 15Buy vs Rentlive Day 16How Mortgages Worklive Day 17Kids & Moneylive
Phase GLong Term & Life
Day 18Retirement Planning Mechanicslive Day 19Financial Independence (FIRE)live Day 20Estate & Legacylive Day 21Cross-Border & Residencylive
Phase HSystems & Traps
Day 22DIY vs Hiring an Advisorlive Day 23Traps & Scamslive Day 24One-Page Financial Checkuplive