An Azora Capital initiative

The head start, finally within reach.

What it’s quietly costing you
The $549 a month that’s really a $39,528 car.
Ravi Chopra

Taught by Ravi Chopra · Founder & CIO, Azora Capital · Goldman Sachs · Samlyn Capital · Dartmouth Economics

Watch the intro

What understanding money unlocks.

Who’s teaching

From inside the machine — translated for the rest of us.

Ravi Chopra

Ravi Chopra

Founder & CIO, Azora Capital

Twenty-five years inside the machine — Goldman Sachs, Sigma, Partner and Sector Head at Samlyn Capital. Now he explains how money actually moves, in plain language.

Allison Rielly

Allison Rielly

Co-host · The Operator

The voice for the rest of us — asking the questions you would ask, and making sure no answer hides behind jargon.

A principle worth keeping
50% Guaranteed return,
hiding in plain sight

The lesson the smartest people in the room had never heard.

A table of business-school graduates debated which stock could return twenty, maybe thirty percent. One friend said he could guarantee something better. “What if I could guarantee you a fifty percent return?”

The table leaned in. His answer: “Pay off your credit card debt.” Twenty percent interest erased is a twenty percent return, risk-free — and most people carrying it were never taught to see it that way.

See the curriculum →

A basis point is one one-hundredth of one percent. Small moves, compounded, are the whole game.

That is the thesis, and it is the method. Learn to make the small moves on purpose.

Stop guessing. Start thinking in basis points.

Free, in order, and built to compound. Start with the first module today.

Start the series