Learn How Money Really Works
Beginner-friendly lessons on credit, investing, and personal finance explained step-by-step.
Written & maintained by Max Fonji
Financial education website focused on:
• Credit systems
• Beginner investing
• Personal finance fundamentals
Content is updated regularly and written for educational purposes.
Why Trust The Rich Guy Math
• Educational content based on how financial systems actually work
• No product recommendations or paid rankings
• Designed for beginners learning real financial literacy
• Focused on long-term decision making, not quick tips
New to Finance? Start Here
If you’re beginning your financial journey, start with the fundamentals first. These guides walk you through money in the correct order so you understand each decision before you make it.
Choose Where to Begin
Every topic on this website connects to the others. Personal finance is not about a single decision, such as picking a credit card or choosing a stock. It is a series of skills learned in order.
Most financial problems happen when people jump ahead. They invest before establishing stability, open credit before learning to manage spending, or take loans without understanding the interest.
The guides below are organized in the same order as financial stability develops in real life. Start with the first section and move forward at your own pace. Each hub is a complete beginner’s guide that explains both how things work and why they matter.
Credit
Learn how credit scores work, how to build credit, and how to avoid long-term debt mistakes.
Investing
Understand what stocks actually represent and how beginners invest safely over time.
Financial Planning
Learn how to prepare for major life decisions, such as housing, insurance, taxes, and loans before committing your money.
Financial Tools
Use calculators and practical tools to estimate interest, savings growth, and debt payoff so decisions are based on numbers, not guesses.
Budgeting & Saving
Control cash flow first, so every other financial decision becomes easier.
Passive Income
Understand realistic ways income streams are built over time and what passive income actually requires in practice.
Who This Site Is For
This website is designed for beginners learning how money works, people rebuilding their credit, and readers who want to understand investing before risking real money. The goal is to replace financial confusion with clear explanations so decisions are made with knowledge instead of pressure.
Continue Learning
Let these values be your compass as you explore smarter ways to invest, save, and live a financially free life. Welcome to the journey, we’re glad you’re here.
Join our community and transform your financial outlook today!
Featured Guides
How Credit Cards Work
A beginner-friendly explanation of what happens when you swipe a credit card and how banks calculate balances.
Credit Utilization Ratio Explained
Learn how the amount of your credit card balance compared to your credit limit affects your credit score and why even small balances can temporarily lower it.
What Is a Credit Score
A beginner-friendly breakdown of what a credit score measures, how lenders use it, and the five factors that determine whether your score rises or falls.