Backstory

Intelligent Money (IM) is a Financial Literacy and Life Skills initiative showcasing reputable sources in customized platforms for targeted audiences. This multimedia edutainment strategy has a unique social impact by creating an effective and timely program to solve a problem that has yet to be properly solved.

The initial development focused on students in underserved communities with the +Club platform completing a successful pilot program in the New York Tri-State Area. Based on the positive results with students and organization feedback, IM is planning to expand the underserved platform and the specifics of the +Club strategy is highlighted below.

For a broader market approach, IM plans to create a definitive Financial Literacy and Life skills platform empowering informed decision-making to achieve a fulfilling life. Inspired by Yale’s Science of Well-Being Course with 4+ million participants, the Intelligent Money Course is designed to become the trusted destination for insightful and practical wisdom from exceptional investors and role models.

+CLUB Experience

A brief view into the experience at the +CLUB Rutgers University Boot Camp in the Fall of 2023. See the program in action and hear reflections on the experience in this +CLUB program trailer. The +CLUB is Powered by Intelligent Money™.

IM Moment: Worldly Wisdom with Whitney Tilson

Whitney Tilson joins Intelligent Money to talk about life, investing and finding success. Enjoy this Intelligent Money Moment on Worldly Wisdom. Transcript:When Charlie Munger talked about worldly wisdom, he talked about having a toolkit to build your mental toolkit. One of his favorite sayings was that you do not want to be the “one-legged man in the ass-kicking contest.” Another was, “To a man with a hammer, the world looks like a nail.” His point was that people tend to see things in very narrow ways. Instead, he said you want what he called a latticework. So, he said, you want to study. If you are an engineer, yes, you want to study engineering, but to have worldly wisdom, to understand how the world works and solve complex problems, you need to go beyond that. Investing is a complex problem for sure but so is living a successful life. You want to understand history, philosophy, psychology. He was always talking about how, if you want to understand human behavior, you have to study it. He said he never ceased to be amazed at how self-interest bias determined human actions.

Leon Cooperman Perspective

You're going to have a setback in life, but if you want to be successful, you got to know how to handle the setbacks. That's it. No magic formula. It's three yards and a cloud of dust. No magic formula. If you're looking for somebody to lay it in your lap, you better marry rich or inherit a lot of money. And I didn't inherit any kind of money, but inherited a strong sense of right from wrong. And that stayed with me. And I hung out with people at Goldman and in Wall Street that were generous and successful people, and they rubbed off on you. I drive Hyundai’s. I'm a member of a country club in Florida where people drive Tesla’s, Rolls Royce’s, and Bentleys. They don't hold any fascination for me. I don't collect art. I don't collect sports teams. I'm not saying they're negative, nothing wrong with that. But they don't do anything for me. I get a lot of enjoyment of helping people less fortunate than myself. Pablo Picasso, as a tribute to him, he said, "The meaning of life is to find your gift. The purpose of life is to give it away. I found my gift by extracting profits in the market, and now I'm giving it away. So, that's a life. Albert Einstein said, "A life worth living is a life lived for others." There are a lot of varied quotes from famous people. I'm not famous, but I like to listen to what they have to say and learn from others. And then it hits me; then it makes sense.

IM Moment: Mind of a Goldfish with Whitney Tilson

Whitney Tilson joins Intelligent Money to talk about life, investing and finding success. Enjoy this Intelligent Money Moment: Mind of a Goldfish. Transcript: That's having sort of the resilience, what I sort of call mind of a goldfish. You lose money, something goes against you. And both on the tennis court and in the investing world, what you can't do is you can't let one thing going against you cause you to become so upset and change your thinking in a way that causes it to snowball on you and get worse. And you might think, well, who would do that? But it happens all the time. Just witness tennis players having a meltdown. One point goes against them, they lose their mind and then they lose multiple points. And the match, you see it happen in investing where somebody, you invest in a stock, bad things happen. The three pillars of your investment thesis have been blown to smithereens. The stock is down 50% and you should get out if the three pillars of your investment thesis have all been blown to smithereens, get out. Now, I'm not saying if a stock is down, you should sell. That depends. Sometimes it's an even better opportunity. If your investment thesis is still intact, you just have the opportunity to buy it cheaper, great, buy more. But if your investment thesis is gone, get out. But what do most people do? They don't want to acknowledge that they made a mistake that their investment thesis is in tatters and they want to at least get back to even before they exit. And so they either don't sell or worse yet double down as things. So they turn a modest loss, a loss on one stock in your portfolio into something that can wipe you out.

Overview

Hall of Fame Investors and community role models are showcased in a practical and informative manner to provide meaningful insights into their approaches and strategies for better decision-making. The relevant content is tailored for both sophisticated and less experienced investors, offered in a variety of engaging formats.

Intelligent Money takes a fresh, engaging approach to both financial literacy and life skills, recognizing that traditional methods often fail to capture attention. Instead of static lessons, the platform combines multimedia content with interactive tools, real-world scenarios, and gamified learning experiences that make personal finance and everyday decision-making more approachable and actionable.

Understanding that today’s audiences are drawn to dynamic, entertainment-driven content, Intelligent Money meets them where they are through hands-on simulations, digital challenges, and relatable storytelling. By blending financial education with broader life skills such as critical thinking, problem-solving, and goal setting, the platform transforms learning into an engaging experience, ensuring that users not only understand key concepts but also apply them in ways that feel relevant, practical, and rewarding. 

Intelligent Money will be a trusted destination for insightful and practical wisdom, built on foundational elements including:

Business Model: An edutainment platform featuring a definitive online course inspired by Yale's Science of Well-being, which has attracted over 4 million participants.

Reputable Sources and Methods: Hall of Fame investors and role models will be showcased in a practical and informative manner, providing meaningful insights into their approaches to financial and life decisions.

Engaging and Relevant: The edutainment approach will be used to create and sustain interest while fostering an emotional connection.

Multimedia: Intelligent Money will leverage the team’s expertise to design an engaging, curated, and concise multimedia experience.

Interactive and Memorable: The platform combines multimedia content with interactive tools, real-world scenarios, and gamified learning experiences that make personal finance and everyday decision-making more approachable and actionable.

Pregame

Unlock your potential, reframe your relationship with money, and set the stage for your personal journey. Learn life lessons from top investors and role models, explore your goals, and develop the mindset and strategies for a “Rich Life.”

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Guide to Better Decision Making

Learn from role model stories how to navigate challenges, make thoughtful choices, and build habits that drive personal and financial success. Differentiate between impulsive and considered decisions to achieve better outcomes.

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Dimensions of Time

Time is our most valuable resource. Explore its impact on health, money, and relationships, understand the time value of money and delayed gratification, and learn techniques to improve focus and productivity.

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3P's: Perspective, Passion & Personal Plans

Grow through the three P’s: Perspective, Passion, and Personal Plans. Build a long-term mindset, pursue true passions, and create actionable plans aligned with your values and goals, guided by real-world role models.

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Living Within Your Means

Even high earners can fail without discipline. This module highlights the importance of living within your means, starting early, and using the “miracle” of compound interest to secure lasting financial success.

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Inner Investor

Behavioral finance shows many investors lose money through common mistakes. Learn to recognize these errors, avoid costly missteps, and chart a smarter course to achieve long-term investment success.

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Diversified Portfolio

“Don’t put all your eggs in one basket” is timeless advice. Explore the foundations of risk management and discover how to diversify effectively to protect and grow your portfolio.

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Value & Growth Investing

Investors pursue returns in different ways. Compare Value and Growth strategies, examine key approaches in the equity universe, and learn to distinguish enduring trends from short-lived fads.

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Putting it All Together

Turn lessons into action with a personal “game plan” for decision-making, growth, and financial management. Track progress with simple metrics and gain the tools and confidence to build a rich, fulfilling life.

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Retirement Crisis

The growing retirement crisis represents one of the most urgent yet least publicly discussed challenges of our time, comparable to climate change, public health, education, and other leading social issues. As this table illustrates, a vast majority of Americans lack the financial resources to retire securely, threatening not only individual well-being but also long-term social stability. Intelligent Money seeks to address this crisis through improved financial literacy and life skills, empowering people with the education and tools to build long-term stability and independence, and to help create a more secure and resilient society.

+Club Pilot and Roll-Out

For the underserved communities, Intelligent Money completed a successful pilot for +Club in Newark, New Jersey. The afterschool and companion on-line program offer a foundational educational experience for students in an engaging and edutainment manner to help prepare them for life in the modern economy. The initiative aims to foster good financial habits and behaviors, putting them on the long-term path to building wealth and, ultimately, financial independence.

To best understand the +Club teaching approach and program’s impact on students, please view the videos and collage below as well as the +Club tab on our website.