Newcomers arrive with a credit history of zero, which banks treat like a suspicious silence. How credit scores work, and how to build one from scratch.
Applying data science habits to personal money: measure first, look at distributions, beware of survivorship bias and automate the boring parts.
No rockets, no Telegram groups, no Lamborghinis. Just time, consistency and maths that's been quietly winning for centuries. With a calculator you can run in Python.
A purely hypothetical, deeply sarcastic tour of the schemes promising "financial freedom in 30 days," and the boring truth hiding behind each one.
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