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From Financial Knowledge to Economic Action

Action Academy

Every action on this site now comes with a class

Short, practical courses that teach you exactly how to do each step — with an AI coach for your questions, a test at the end, and a certificate when you pass. $5 a course, or $39 for all of them.

Action courses

10 courses, one per action step

Work the lessons, ask the coach anything, then take the test. Score 80% or higher and your certificate is issued instantly. Each course is $5 once — yours for good — or $39 unlocks every course in the Academy.

Beginner

45 min

$5

Pull and Read Your Credit Report

Get all three bureau reports free, understand every section, and dispute errors in writing so they actually get removed.

3 lessons · 6-question test · document upload

Beginner

30 min

$5

Find, Verify, and Support Local Black-Owned Businesses

Learn how to locate real Black-owned firms near you, confirm ownership honestly, and make your spending count more than once.

3 lessons · 5-question test

Beginner

2 hrs

$5

Register Your Business Entity the Right Way

Choose a structure, register with your state, get an EIN, open a business bank account, and separate yourself from your business legally.

3 lessons · 6-question test

Intermediate

3 hrs

$5

Build a Government Contracting Profile

Register in SAM.gov, choose the right NAICS codes, pursue set-aside certifications, and position for your first federal award.

3 lessons · 6-question test

Beginner

15 min

$5

Raise Your Retirement Contribution With Confidence

Understand employer matches, traditional versus Roth, and how a single percentage point compounds over a working life.

3 lessons · 5-question test

Intermediate

1 hr

$5

How Municipal Bonds Work — And Who Profits When Your City Borrows

Understand general obligation versus revenue bonds, tax-exempt yield, ratings, and how bond decisions shape your neighborhood.

3 lessons · 6-question test

Beginner

1 hr

$5

Rebuild Your Household Budget From Real Numbers

Track 30 days of actual spending, separate fixed from variable costs, and build a budget that survives contact with real life.

3 lessons · 5-question test · document upload

Intermediate

2 hrs

$5

Create or Update Your Estate Plan

Name beneficiaries, draft a will and powers of attorney, and prevent heirs' property from breaking up family land.

3 lessons · 6-question test

Beginner

2 hrs

$5

Show Up Effectively at Community Development Meetings

Learn how zoning, budgets, and planning decisions set your property value — and how to be effective in the room.

3 lessons · 5-question test

Intermediate

1 hr

$5

Research an Investment Before You Buy

Read filings, find the fees, judge the risk section, and recognize the pitches built to separate you from your money.

3 lessons · 6-question test · document upload

Urban Community Crypto Training Center

Crypto, taught straight — basic, intermediate, advanced

Blockchain, coins and tokens, wallets and keys, NFTs, DeFi, taxes, and the scams built to run through our churches, barbershops, and group chats. Three courses that build on each other, $5 each. Education only — never a recommendation to buy anything.

Level 1

1 hr

$5

Crypto 101: Blockchain, Coins, and Wallets

Start at zero. What a blockchain actually is, what a coin is, how wallets and keys work, and how to spot the scams aimed at our community.

4 lessons · 8-question test · document upload

Level 2

1 hr 15 min

$5

Crypto II: Exchanges, DeFi, NFTs, and Real Security

Move past the basics. Order types and custody risk, what DeFi and staking really do with your money, how NFTs work, and hardening your accounts against theft.

4 lessons · 8-question test · document upload

Level 3

1 hr 30 min

$5

Crypto III: Taxes, Portfolio Strategy, and Building With It

The advanced work: cost basis and tax reporting, position sizing and risk, on-chain research, regulation, and using crypto rails in a real business.

4 lessons · 8-question test · document upload

Community Wealth Training

Ownership training: homes, land, districts, and cooperatives

Homeownership, property ownership and heirs' property, community land trusts, real estate development, business district ownership, and cooperatives. Learn what each one means, how to get involved, and how to tell a good deal from a bad one. $5 each, with an AI coach, a test, and a certificate of completion.

Beginner

55 min

$5

Homeownership: Pre-Approval to the Keys and Beyond

Credit and down payment, pre-approval versus pre-qualification, the appraisal, closing costs line by line, and what to do the year after you close.

3 lessons · 6-question test · document upload

Intermediate

50 min

$5

Property Ownership: Titles, Deeds, and Heirs' Property

How title is actually held, what each deed type does, why heirs' property is the largest driver of Black land loss, and how to fix it before it becomes a partition sale.

3 lessons · 6-question test · document upload

Intermediate

50 min

$5

Community Land Ownership: Land Trusts and Collective Acquisition

How community land trusts hold land permanently affordable, how residents buy neighborhood property together, and how to tell a real community structure from a branding exercise.

3 lessons · 6-question test · document upload

Advanced

60 min

$5

Real Estate Development: Site Control to Capital Stack

How a project actually gets built — site control, zoning and entitlements, pro forma basics, the capital stack, and community benefit that holds up.

3 lessons · 6-question test · document upload

Intermediate

50 min

$5

Business Districts: Corridor Ownership and Commercial Rent Stability

Why commercial leases decide who survives a corridor, how merchants buy their buildings together, and how BIDs, main street programs, and tenant mix actually work.

3 lessons · 6-question test · document upload

Intermediate

45 min

$5

Cooperatives: Worker, Consumer, and Housing Co-ops

What a co-op is, the three main types, how members govern and get paid, and how to convert an existing business to worker ownership.

3 lessons · 6-question test · document upload

Investing Course Track

Investing, from the first account to spotting fraud

Accounts and diversification, stocks and funds, bonds and retirement accounts, then risk and fraud recognition. Four courses that build on each other, $5 each. Education only — never a recommendation to buy anything.

Level 1

50 min

$5

Investing Basics: Accounts, Time Horizon, Diversification, Fees

Start at zero. What an investment account actually is, how time horizon changes your decisions, why diversification matters, and how fees quietly eat returns.

4 lessons · 5-question test · document upload

Level 2

55 min

$5

Stocks, ETFs, and Mutual Funds: What You Actually Own

What a share of stock legally entitles you to, how ETFs and mutual funds pool money, and the practical differences between index and active management.

4 lessons · 5-question test · document upload

Level 3

1 hr

$5

Bonds, Municipal Bonds, and Retirement Accounts

How lending money to a government or company works, what changes a bond's price, and how 401(k)s, IRAs, matches, and vesting actually function.

4 lessons · 5-question test · document upload

Level 4

1 hr

$5

Risk, Volatility, and Spotting Investment Fraud

Understand volatility, concentration, leverage, and liquidity risk — and learn to recognize the guaranteed-return schemes built to target Black communities.

4 lessons · 5-question test · document upload

Membership required for lessons, coach, and certificates

Membership is free. It saves your progress across devices and holds every certificate you earn.