What you'll learn
- Debt appears on a spectrum. At one end it increases your personal value. At the other end it decreases it. Here’s how to tell the difference.
- Recognize why impulsive or emotional spending rarely brings lasting value or satisfaction.
- Learn to calculate your discretionary income and use it to make well-informed borrowing decisions.
- Understand why credit records and the debt register matter and how easy they are to manage.
- Learn how to recover confidently if you have too much debt.
Hit play: get money smart
Debt can work for you or against you
Used carefully, borrowing can help build the life you want. Used carelessly, it can hold you back. Learn about the fine line and how to stay in control.
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Understanding debt
Sometimes it’s hard to tell. If you’re not sure whether it’s good debt or bad, ask three questions:
Understanding budget stress
Check how your budget feels when life throws surprises at you.
Understanding borrowing
Spot common mistakes and avoid them before they become expensive.
Become an expert
Smart borrowing
Borrowing can empower growth when used wisely but missteps create costly traps. Understand value, affordability and risks, so that you use credit responsibly and avoid pitfalls.
Economics in everyday life
The economy is like gravity: a force of nature. Learn about prices, inflation and the cycle of boom and bust. See why governments struggle to control the economy and how cryptocurrencies aim to reshape it.
Solve your money mystery
Money may be a mystery to many. But you can solve it. Discover how beliefs, emotions and values shape money decisions. Learn to spot patterns, identify your values and define what “enough” means for you. Unpack those paradoxes and use budgets to achieve goals and avoid spending pitfalls.
Investing for beginners
Create the freedom to breathe easier, dream bigger and shape the life you want with a few simple saving and investing habits that build confidence, expand your options and help secure your future. Discover why time really is money.
Life stages and big decisions
Navigate life stages with confidence. Learn how to make smart housing choices, support family, handle life’s big transitions and make early preparations that are sure to pay off with a comfortable retirement.
Money and banking
Discover how banks actually work, how they serve society, make money, support our shared prosperity, and how they are evolving from crypto to blockchain, neobanks to regulation.
Taking on the triple whammy
AI, geopolitics and climate change are transforming how our world works. You don’t need to predict exactly what comes next to be prepared. This section helps you connect the big global shifts to choices today.
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Disclaimer
Disclaimer
This publication is for personal information purposes only within Switzerland and is not to be understood as a recommendation, offer or solicitation of an offer for investment or other specific products and services. It is not intended to form investment, legal or tax advice and should not be used as the basis for financial decisions. Before making a decision, you should obtain professional advice.
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