Hallycon Academy

Curso 4 · Principiante

Wake-up call: what happens to money that sits still

What inflation does to your savings, what not investing really costs, and how to step out of the work-earn-spend loop. Real prices, plain sums, no products.

  • 8 lecciones
  • 55 min
  • Gratis
  • Un certificado al terminar

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Para quién es

Para quien tiene ahorros en una cuenta corriente o de ahorro y quiere saber qué les hace la subida de precios. No hace falta saber nada de antemano.

Las lecciones

Cada lección tiene un vídeo breve, un cuestionario y enlaces para saber más. Las lecciones completas se abren tras un registro gratuito.

  1. Lección 1: Your savings are shrinking, and you can't see it

    7 min

    Inflation means the same €100 buys a little less every year. Your balance stays the same, but what it can buy does not.

    Puntos clave

    • Inflation means the same €100 buys less each year.
    • At 3% a year, prices double in about 24 years (the rule of 72).
    • Your balance looks the same; your buying power isn't.

  2. Lección 2: The real interest rate

    7 min

    The interest your bank pays only tells half the story. Subtract inflation and you get your real interest rate, and for most savers in recent years it was negative.

    Puntos clave

    • Real rate = savings rate minus inflation.
    • 1% interest with 3% inflation loses about 2% of buying power a year.
    • Check your own account's rate today.

  3. Lección 3: What happens if you don't invest

    7 min

    Two neighbours, the same income, two different habits. Not investing is also a decision, and its cost is just harder to see.

    Puntos clave

    • Two neighbours: one keeps cash, one puts a small amount aside monthly into investments.
    • Not investing is also a decision, with a cost you don't see.
    • Investing has risk; cash has the slow, certain loss of inflation.

  4. Lección 4: The rat race

    7 min

    Work, earn, spend, repeat. Why every pay rise seems to disappear, and the one change that slowly breaks the loop.

    Puntos clave

    • Work, earn, spend, repeat: income that comes only from your hours stops when you stop.
    • Every raise turns into bigger bills (lifestyle creep).
    • The way out is owning things that earn without your hours.

  5. Lección 5: Time versus money

    7 min

    You trade hours for money, and your hours are limited. Work out your real hourly wage, and see how money that works next to you can buy some of those hours back.

    Puntos clave

    • You swap hours for money, and hours are limited.
    • Work out your real hourly wage after commute, costs and tax.
    • Money that works next to you buys back time.

  6. Lección 6: Assets and liabilities, in plain words

    7 min

    An asset puts money in your pocket; a liability takes it out. A simple way to look at what you own, and a one-page list that shows where you stand.

    Puntos clave

    • An asset puts money in your pocket; a liability takes it out.
    • A car and a bigger house are mostly costs.
    • List yours on one page.

  7. Lección 7: How much is “enough”?

    7 min

    A rough way to put a number on financial freedom, why partial freedom counts too, and why your number is personal.

    Puntos clave

    • A rough guide: yearly costs × 25 (the “4% rule”, a rule of thumb, not a promise).
    • Partial freedom counts: one day a week off, or no money stress.
    • Your number is personal.

  8. Lección 8: Small steps beat a big plan you never start

    7 min

    Why a small automatic amount this month does more than a perfect plan next year, why waiting has a cost, and what comes next in the academy.

    Puntos clave

    • Start with a small automatic monthly amount.
    • Waiting until you “feel ready” is the most expensive habit.
    • The next courses build the foundations, step by step.

Qué encontrará

  • Vídeos breves: Unos dos minutos por lección
  • Cuestionarios: Tres preguntas después de cada lección
  • Calculadoras: Inflación, interés compuesto, fondo de emergencia y comisiones
  • Certificado: Por cada curso que complete

Las lecciones completas, los vídeos y los cuestionarios se abren tras un registro gratuito: su nombre, correo electrónico, móvil y un PIN. Sin tarjeta, sin compromiso.

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Educación financiera general. Hallycon Academy no gestiona dinero, no vende productos de inversión ni da asesoramiento personal. Los ejemplos no prometen ninguna rentabilidad.

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