Six modules. Self-paced. Built around your life.
The course progresses from the most immediate financial priorities to longer-term planning concepts. Each module is self-contained and can be revisited at any time.
Emergency Fund Fundamentals
The course begins with the most foundational concept in personal finance: having a liquid reserve before pursuing any other financial goal. This module explains the reasoning, the calculation, and the practical steps.
- What constitutes a genuine financial emergency
- How to calculate the appropriate fund size for your situation
- Which account types are appropriate for emergency reserves
- Why liquidity takes priority over returns at this stage
Savings Instruments and the CAT
Once the emergency fund concept is established, the course moves to comparing the formal savings options available in Mexico and the tool used to evaluate them: the CAT.
- Overview of CETES Direct and how it works
- SOFIPO accounts and their regulatory context
- How to read and interpret the CAT on any financial product
Banking Commissions and Fees
Mexican bank accounts come with a range of fees that are not always clearly communicated. This module teaches you where to find them, how to read them, and what the law requires banks to disclose.
- Common fee types: annual card fees, ATM, maintenance, transfers
- Where fees must be disclosed under Mexican law
- CONDUSEF as a consumer resource
The Mexican Retirement System
The SAR (Sistema de Ahorro para el Retiro) is the framework governing retirement savings in Mexico. Most workers have an AFORE account they have never actively managed. This module provides the general knowledge needed to understand what it is and how it functions.
- How AFORE accounts are structured and funded
- Voluntary and complementary contribution options
- The role of CONSAR in the regulatory framework
- How to locate your AFORE account