IOU (The Practical Lessons)
Proudly supported by BNZ
IOU (The Practical Lessons) is a beginner friendly money course designed to help you feel confident, calm, and in control of your finances without jargon, judgement, or overwhelm.
This course is for anyone who feels like they were never properly taught how money works. Whether you are in your first job, still studying, or simply ready to get your financial life sorted, IOU gives you the foundations you need before moving on to investing and growing your wealth.
You will get lifetime access to a series of practical, easy to follow lessons led by Soph and Vic, with Lucy learning alongside you and asking the questions everyone is thinking. Each lesson builds on the last, helping you move from feeling unsure about money to knowing exactly what to do with it.
What you will learn
Ep 1: Your Relationship With Money
Understand your money story, where your habits come from, and how to shift unhelpful patterns so money stops feeling stressful or emotional.
Ep 2: Budgeting
A simple budgeting system that actually works. Learn how to divide your income into essentials, non essentials, and surplus without spreadsheets or restriction.
Ep 3: Building Your Emergency Fund
Create a financial safety net that gives you peace of mind, even if you are starting small.
Ep 4: Getting Out of Debt
Learn the difference between good and bad debt, how interest really works, and simple strategies to pay debt down and avoid it in the future.
Ep 5: Short Term vs Long Term Goals
Learn how to balance saving for short term goals like travel with planning for long term goals that build your future.
Ep 6: Investing
An introduction to investing, how it works, and how to start once your foundations are in place.
Ep 7: Make Money While You Sleep
Understand how compounding works and how investing over time can help your money grow without constant effort.
What makes IOU different
Beginner friendly and judgement free
No confusing jargon or assumptions
Real conversations, lived experience, and practical examples
Designed for New Zealand, including KiwiSaver
Includes reflection exercises, simple actions, and tools you can use straight away
This is not about getting rich overnight or doing everything perfectly. It is about learning how money actually works, building confidence step by step, and setting yourself up for the future starting exactly where you are.