The Money Syllabus · a 12-week class

Graduate in 12 weeks with your debt on a date, your credit climbing and your investing on autopilot.

The money class school never gave you, taught by the teacher who helped make it a graduation requirement in 30 states. With a coach checking your homework every week.

12 weeksLive with YanelyYour own Money Coach40 seats
Yanely Espinal
$20Kof credit card debt, gone in 18 months on a teacher's salary. This is the class she wishes she'd had.

The syllabus

Three units. One plan that runs without you.

Weeks1-4
Unit 1 · Clear it

How to set your Debt-Free Date in one sitting

The 5-step payoff plan that cleared my $20K of credit card debt in 18 months on a teacher's salary.

  • Every balance and rate on one page
  • Avalanche or snowball, picked for you
  • The highlighter audit on 90 days of spending
  • Your payment calendar, set
Weeks5-7
Unit 2 · Build it

The statement-date move that raises your credit score

Why paying on the due date isn't enough, and the 9% rule my viewers used to add 70 to 115 points.

  • Your reports pulled and checked
  • Errors disputed the right way
  • A cushion in a high-yield account
  • A plan for new credit, if you need it
Weeks8-12
Unit 3 · Automate it

The 3 accounts I filled every year to become a first-gen millionaire

The order I'd open them in today and how to automate each one, with no stocks to pick, no property and no crypto.

  • The full 401(k) or 403(b) match
  • A Roth IRA, opened and funded
  • Low-cost index funds, chosen once
  • Contributions set for every payday

What's inside

Everything you get

12 live classes with Yanely

90 minutes every Thursday night. One lesson, then your questions answered live. Every class recorded.

A real class, with a teacher

Your own Money Coach

Assigned to you on day one. A 45-minute kickoff call, your homework reviewed every week, and a 1:1 check-in at week 6.

Someone checking your work

Your Money Map The unfair advantage

Before week 2, my team turns your numbers into your plan: payoff order and Debt-Free Date, the order to open your accounts, and a payday automation calendar.

A plan with your name on it, done for you

The Account Setup Lab

One live session where we open and automate the accounts together, screens shared, questions answered on the spot.

Accounts open the same night

The cohort community

Your class, your homework threads, your wins. Everyone starting at the same time and graduating together.

Nobody doing this alone

Graduation Day

Your Money Report Card reviewed with your coach. You leave with the plan already running.

Proof it worked

Bonus · The 740 Credit Playbook

The statement-date system, the 9% rule, and what to do about errors on your report.

Score moving in 30 to 60 days

Bonus · Family Money Scripts

What to say when someone asks you to co-sign, lend or cover a bill, without the guilt trip after.

Help family without wrecking your plan

Bonus · Lifetime access to the recordings

Every class, every Q&A, yours to rewatch whenever life happens.

Never fall behind

Your week

About two hours a week. That's it.

90 minThursday night class with Yanely, live or on the recording
30 minof homework, reviewed by your coach before the next class
From $50a month is enough to start investing. You don't need to be "good with money" first.

Why Yanely

She's done every step of this herself

18 moto clear $20K of credit card debt on about $40K a year
$105K+in her Roth IRA, from $64,800 put in since 2015
30 statesnow require the personal finance class she fought for
5.1MYouTube views from people learning money from her

The guarantee

Do the homework and graduate on plan, or the next cohort is on us.

Do every homework assignment. If you reach Graduation Day without your Debt-Free Date set and your investing automated, you take the next cohort free and your coach keeps working with you until it's done.

Why now: at 24% APR, $8,000 of card debt costs about $160 a month in interest alone. Waiting three months to "think about it" is roughly $480 you never get back.

Tuition

$3,000 to $4,000
Pay in full or in 3 monthly payments. Your exact plan is set on your call.
40 seats per cohort, because two coaches review every assignment.
Apply for a seat →

The math on your audience, before a dollar of ads

Your highest price today is $257 for an hour of your time. Your workshop replays sell for $60 and $100. Meanwhile 5,000+ people read your newsletter, 58,600 subscribe on YouTube, and 10,000+ bought the book in its first few months.

5,000+newsletter readers, plus the people who own your book
6 / monthenrollments from one live class a month. An assumption we'd check together.
$21,000a month at $3,500 a seat. The $100k figure is the ads-on version of this.

None of this is financial advice and nothing changes what you give away for free. The free class, the book and the YouTube channel stay exactly the same. This is for the people who want you in their corner for 12 weeks.