WHY I CREATED THIS GAME/COURSE - I believe I have created an easy way for most students to save $100,000 by age 30 and going on to lead a secure financial life.

As a financial planner and the father of 2 young adults living in the San Francisco area, I see that many of my children’s friends struggling to find a direction in life.

I designed the course to make it easy to become a Smart Spender by purchasing inexpensive products and services.

The graph above explains how Smart Spending works. It is a process of asking yourself, am I getting the most happiness per dollar spent? Or am I getting something else? Smart Spending is not about buying cheap things, it is finding your personal balance of cost and happiness. 

I believe that learning to be a money expert is like learning a sport. In the case of money it is an emotional sport. It is best to learn by doing.

My theory, is that the thinking process that we go through when we buy most things is similar. So that if we are very good at buying inexpensive things, we will be very good at buying expensive things. 

There is however more risk in buying more expensive things, because we usually have to finance them. So we need to understand how to evaluate the risk, to keep making smart spending decisions. So as the cost of buying more expensive things increases, the teaching will increase, but only when the student has proven that they are good at buying inexpensive things. 

The game/course works in a similar way as any video game that has levels. In this case there are smart spending levels. The classes will be for students at a similar level.

James Chandler Bio - 2001 to present - Financial Planner 

See my full resume here at Linked-In

1984-1988 - Co-Owner of Educational Student Travel company