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Uncle Todd's Money School

Personal Finance Math: The Math that’s Actually Useful and Fun!

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For most Americans, math class seems less than useful. Trust me though, math is very useful. You just have to know how to use it to make money!

Whether we are talking about how long it’s going to take you to pay off a debt or how to figure out how much an investment is going to make by the time you’re ready to buy that Maserati – math is a requirement.

Not Revenge of the Nerds math. Not rocket scientist math. We’re talking basic 7th and 8th grade math here.

The good news, you also don’t need a lot of math. As little as 12 to 15 simple – but key – math concepts/equations are all that most people require for good personal finance practices.

If you learn this dozen or so math techniques, you’ll be better off than most Americans. You’ll be able to make far better financial decisions. You’ll be able to get far better advice when asking experts for help, because you’ll be already talking their language.

In other words, math is the language of money. You need to learn it if you want to communicate with people who have it, and to try and get some yourself.

Here’s my list of the most fundamental math problems every person needs to be able to solve.

  1. ­ Time Value of Money
  2. ­ Average
  3. ­ Geometric Average
  4. ­ Media
  5. ­ Percent change/increase
  6. ­ Simple Interest Calculation
  7. ­ Compound Interest calculation
  8. ­ Rule of 72
  9. ­ Amortization Calculation
  10. ­ Future Valu
  11. ­ Present value
  12. ­ Specific principal payment
  13. ­ Specific interest payment

I’m sure I can, and likely will, be convinced my list needs some tinkering. This, however, is the list I’d give the young man just starting out on their personal finance journey or the middle-aged woman who never had to deal with money but is just now attempting to learn.

What do you think? Let me know in the comments what I got wrong, what I missed, or what I put in there that is not needed. I’m curious what other’s think.

Reader Interactions

Comments

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  138. Un enigma avvolto nel mistero attende i lettori più coraggiosi e perspicaci. In “L’ultimo segreto”, la posta in gioco non è mai stata così alta e il pericolo si nasconde dietro ogni angolo. Scaricare e leggere il libro in formato pdf offre la flessibilità necessaria per divorare la storia in ogni momento libero della giornata. La trama si dipana attraverso segreti inconfessabili e poteri occulti che tramano nell’ombra. Robert Langdon dovrà usare tutto il suo ingegno per sopravvivere e proteggere una verità scomoda. Non lasciarti sfuggire questo viaggio emozionante nel cuore dei misteri più profondi dell’umanità.

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  197. Downtime activities are often glossed over in standard campaigns, yet they provide some of the best roleplaying opportunities. With the rules found in Xanathar’s Guide to Everything, your characters can now engage in pit fighting, religious service, or crime during their weeks off. If you are looking for a PDF explanation of these downtime mechanics, our site breaks them down into easy-to-understand segments. We help you implement these rules to make the time between adventures just as thrilling as the dungeon delves themselves. Master the art of the downtime phase and give your players a reason to look forward to returning to town.

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  198. The arena is a character in itself. It is alive, malicious, and controlled by Gamemakers. From firestorms to freezing nights, it tests the tributes in every way. The descriptions of the environment are immersive. If you want to feel the heat and the cold, read the book. A The Hunger Games pdf is a portal to this dangerous world, allowing you to explore the arena from the safety of your own home.

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  199. The pacing of the relationship is perfect. It is not an instant love connection; it is a slow burn that eventually explodes. The anticipation is half the fun. If you are looking for a King of Wrath PDF, you are looking for a story that takes its time to build the foundation. When they finally come together, it feels earned and explosive. The payoff is worth every page of tension and angst that precedes it.

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  200. The overarching theme of “panem et circenses” (bread and circuses) is the foundation of the book’s political philosophy. The Capitol keeps the districts in line with meager food and brutal entertainment. This historical allusion adds depth to the story. Students studying the Roman references in the novel will find the text invaluable. A The Hunger Games pdf allows for quick searching of terms and easy citation for essays and projects.

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