Courses that take you further

What a central bank is, who makes its decisions and why it is deliberately independent of the government. Price stability as the single main objective and the six roles the CNB plays.

The Czech National Bank: who guards the koruna

What a central bank does, how it uses interest rates to tame inflation and where money actually comes from. Spoiler: most of it is not printed by the central bank but created by commercial banks when they lend.

The repo rate, the interest rate corridor and the path from a board decision to your mortgage. Why it takes a year and a half and who pays for taming inflation.

Only the central bank prints cash, yet cash is barely a tenth of all money. The rest is created by commercial banks the moment they lend, and this unit shows what holds them back.

Where 28 % of your wage disappears, why none of it is saved anywhere and how the state calculates what it will one day send you. And what the whole thing costs the country.

Pensions: who will pay for yours

How a pay-as-you-go pension system works, why it is running out of steam and how other countries deal with it. Including a lesson where you test for yourself how far the Ponzi scheme comparison actually holds.

The strong cohorts are retiring and the weak ones are meant to support them. When the gap opens, what the options are and how far the Ponzi scheme comparison holds.

Three pillars and why Czechia stands on almost just one. Dutch funds, the Swedish automatic brake and two reforms that went wrong.

How a contract is formed, what purchase, gift and work contracts must contain, and what to do about defects.

Law in practice: contracts, work and damages

Civil and labour law the way you actually meet it: purchase contracts and complaints, gifts, works, leases, damages, employment contracts, notice and liability at work. Eight interactive simulators instead of memorising sections.

Lease, sublease and usufructuary lease, wagers, plus damages, lost profit and non-pecuniary harm.

From your first summer job to a notice: parties, agreements, the contract, termination and liability.

Scarcity, opportunity cost and two distinctions grown-ups keep getting wrong.

AdvancedHigh School

Economics vs. the economy

An advanced introduction to economics for high schools: scarcity and opportunity cost, economic agents, micro and macro, positive and normative reasoning, market equilibrium, GDP and economic policy. Eight interactive simulators, no rote learning.

Consumer, firm and state: what drives them, how they calculate and how they connect.

Market equilibrium up close, GDP from a helicopter and the levers of economic policy.

The difference between selling and marketing, market research and the 4P marketing mix, plus SWOT analysis and market segmentation.

Marketing: why you end up buying it

The four Ps of the marketing mix, from product to distribution. How a price is built, how much of it goes to the state, where the tricks hide in a shop and where advertising exaggeration ends and deception begins.

The core and the layers of a product, the four stages of its life cycle and the Boston matrix that says which product deserves investment.

How a price is set and calculated, excise duty, customs and VAT included, followed by a tour of the shop and the tricks waiting there.

Inflation, the power of time and spreading risk. Understand why before buying your first share.

BeginnerHigh School

How the world of stocks and investments works

Why leaving money idle is a mistake, how the stock market works and how to start investing sensibly. Playful, clear and interactive. For high school.

What a share is, how its price forms on the market and how you earn on it.

Bonds and ETFs, beginners' biggest mistakes and how to actually take the first step.

What a budget gives you and what its absence takes away. Spending across a lifetime, the cost of delay and the eight rules a budget stands on.

BeginnerHigh School

Personal budgeting: where the money goes

The budget house, an emergency fund and the 50/30/20 rule. How to build your own budget, where to find money in it and why delay is the most expensive item of all.

Insurance, costs, an emergency fund and three floors of goals. Why you build from the bottom and how the ideal differs from reality.

The 50/30/20 rule, three steps to your own budget, five levers of a financial plan and nine mistakes that break it.

The three tiers of public budgets, the path from proposal to law, the provisional budget regime and the difference between a cyclical and a structural deficit.

The state budget: where our taxes go

Public budgets, state revenue and spending, mandatory expenditure and public debt. Why a government cannot cut wherever it likes and when borrowing actually makes sense.

Taxes, social contributions, customs duties and state property on the revenue side. Pensions, education, defence and interest on the spending side, plus the mandatory expenditure that ties the government's hands.

How the state borrows, how deficits turn into debt, what interest costs and why Norway runs a surplus. Plus what you can do about it.

Speculation is not investing. Brokers, spreads, leverage and the question of who is on the other side of your trade.

Trading: a reality check

What trading really is, why most people lose money and how it turned into a recruitment business. And why it is still real work that very few people can sustain.

Mandatory broker warnings, the maths of losses, randomness disguised as skill and survivorship bias.

Mentors, signal groups, copy trading, pyramid schemes and prop firms. Where their money actually comes from.

Discounts and price rises, VAT, unit prices and multi-buy deals. A percentage is always a percentage of something.

Money Maths

Discounts, VAT, interest on savings and loans, price plans as functions and numbers in the news. Money maths for lower secondary school, mapped to the Czech maths curriculum.

Interest on savings and loans, compound interest and the rule of 72. Percentages that grow over time.

Price plans as functions, percentages and percentage points in the news, and misleading charts.

What people do at work, what I enjoy and what I am good at, and where to go after year 9.

World of Work

Choosing a school and a career, when you may take a job, gross and net pay and your first job interview. For lower secondary school, mapped to the Czech curriculum.

From what age you may work, which contract to sign and how much of your pay you actually get.

Where to look for work and how to spot a scam, how to write a CV and handle an interview.

A T-shirt's journey across the world, the three sectors of the economy and why things are made where they are.

Economic Geography

Where the things we buy come from, where raw materials are mined, why some countries are rich and what the EU gives us. For lower secondary school, mapped to the Czech geography curriculum.

What is inside a phone, where electricity comes from and how to live more sustainably.

How to measure a country's wealth, what helps and what holds it back, and fair trade.

The three ways to work legally and what each means for your money. The payslip line by line and the contributions that buy you entitlements.

From gross to net: taxes and contributions

What happens to your money between the gross wage and your bank account. Student jobs and agreements, the payslip line by line, tax credits, VAT and how to claim back the tax withheld from a summer job.

Two rates, tax credits and the taxpayer declaration. And above all the refund from a student job that most people never claim.

VAT and who really bears it, excise and property taxes, and the surprising answer to where the state gets most of its money.

What money is, where it comes from, what to spend it on and how to make your first budget.

Money Made Easy

Pocket money, family budgets, saving, prices, banks, debt and online scams. Financial literacy for lower secondary school, mapped to the Czech curriculum.

The family budget, saving with interest, inflation and what to do when things go wrong.

What a price is made of, how sellers see it, how not to fall for ads or fake discounts, who owns what and how contracts work.

Block diagrams, Moore machine, transition graphs and RS, JK, D, T flip-flops.

Computer Science

2 courses

BeginnerHigh School

Sequential Logic Circuits

Block diagrams, flip-flops (RS, JK, D, T), counters and registers. Clear and structured for high school.

Asynchronous and synchronous counters, parallel and serial registers.

2 units

The three authentication factors, the path from a finger to a template and the two errors that pull against each other, plus an overview of biometric methods.

Biometrics: your body instead of a password

How you prove who you are, why a fingerprint reader sometimes gets it wrong and what to do when things go bad. From the three authentication factors through biometric spoofing to security policy and risk analysis.

Fingerprint sensors and minutiae, how biometrics gets spoofed and what stops it, where the template should live and what the GDPR says about all of it.

Rules, roles and audits that give individual controls meaning, risk analysis with a probability and impact matrix, and the backup everything ultimately rests on.