Ankur Nagpal

Personal Finance 101

Founder of Carry.com. Previously founded Teachable and runs Vibe Capital

Should you take on debt? In what order should you save money. How much to save, spend and invest.

Learn all the personal finance fundamentals

You'll learn why investing is simply, but not easy and how to automate the whole thing

Become a master at learning how invest

It's not what you earn, but what you get to keep. We'll spend some time showing you how to save oney on taxes

Strategies to save money on taxes

Sometimes your work takes you longer than you feel it should. Or you build your work files in inefficient ways. They break or take far too long to update. You're frustrated. You go online to search for answers. YouTube is overwhelming. A self-study course or two are helpful, but you don't find the answers you're looking for. You know "there's got to be a better way". Well...there is. Dynamic Excel for Finance will teach and show you how. It cuts to the core of how to use this magical tool for finance, financial planning &amp; analysis (FP&amp;A), management consulting, and every day use. -------------------- What you'll learn will make a massive difference in your everyday work to: ✅ Save time✅ Minimize your rework✅ Eliminate your mistakes✅ Be spotlighted by your Directors✅ Land better opportunities, and✅ Get the promotions you deserve Many Excel training programs are taught by Excel practitioners without finance backgrounds, professors without real-life experience, or investment bankers with a focus primarily in financial modeling. They aren't taught by an actual practitioner who's trained thousands of people at the companies you know and engage with every day... But this one is. Taught by a finance practitioner with 2 decades of Excel experience in a wide range of financial applications, Dynamic Excel for Finance will teach you the most effective and efficient ways to use Excel for your work. It will teach you dynamic Excel modeling that can be used in broader financial modeling to save you an astounding amount of time and frustration. And it's CPE-accredited by the National Association of State Boards of Accountancy (NASBA). Excel is used by more than 750 million people. It has nearly 500 functions. You can't possibly learn it all. But there's good news -- you don't have to. You have an entire career ahead of you.Don't leave it to others to create it for you.The time to elevate and accelerate is now. --------------------Seidman Financial is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.NASBARegistry.org. Seidman Financial is a division of Seidman Global LLC. Country cost--of-living adjustments and PPP (purchasing power parity) options available.

This experiential learning program is so much more than an Excel training.

You'll learn the ins and outs of much of what Excel has to offer. At times you'll say "I had no idea this was possible" or "I had no idea this even existed". That's the point. You're going to learn how to navigate throughout the ribbons, menus, layouts, and shortcuts that will make it far easier for you to do your current and future work.

Excel Navigation

After you learn thorough navigation of what exist, you'll dive deep into the tools and features. Some of these features have been around for years while others are brand new with few people knowing about them. Not only will you learn what these tools are, you'll go through exercises to help you understand a multitude of ways to implement.

Excel Tools

Excel has nearly 500 functions. <ul><li>Fewer than 100 are financial-type</li><li>Fewer than 50 are date- and time-type</li><li>Fewer than 35 are text-type</li><li>Fewer than 25 are lookup-type</li><li>Fewer than 15 are logical-type</li></ul> You'll learn the most important functions you need to be effective and efficient in your everyday work.

Formulas and Functions

Shortcuts in Excel lead to confusion, poor audibility, and inefficiency. You'll learn work file and modeling best practices so you can build files that don't.

Work File Structuring

A relatively new concept, Excel dynamics allow users to update data sets, forecasts, and formulas quickly and easily within minimal manual involvements. You'll learn close to a dozen different approaches for employing Excel dynamics which will save immense time, eliminate your mistakes, and streamline your updates to minimize rework.

Excel Dynamics

It's one thing to become an Excel guru. Many Microsoft MVPs are. But few of them understand how to weave together Excel mastery with your job requirements in finance. You'll learn 20+ financial applications using basic, intermediate, advanced, and dynamic Excel methods.

Excel for Finance

Here's the Course:

People who want to advance well beyond the basics, learning techniques that are known and unknown to most financial professionals.

Anyone who uses Excel for finance, including: financial analysts, managers, accountants, Controllers, investment bankers, and others.

Professionals who are looking to upskill in Excel to save time, eliminate mistakes, minimize rework, and be seen as the go-to on projects.

Entry-level, mid-career, and senior-level finance and accounting professionals who work in a corporate environment or client service.

Who is this course for

What you’ll get out of this course

Many finance professionals think they follow best practices. But in reality, most don't -- they take shortcuts to get to the finish line. But shortcuts in Excel lead to confusion, poor audibility, and inefficiency. You'll learn how to build work files that don't.

Excel Best Practices

One of the greatest challenges and frustrations Excel users face is dealing with ever-changing sets of data, dates, refreshes, and formula updates. You'll learn astounding mechanical approaches that will shave off hours, days, or weeks of your time.

Working with complex, changing, and large data

When you know what you're doing, and can arrive at your final results through a multitude of different approaches, you win. But so do others on your team. You'll develop expertise that will build your own confidence as well as the confidence others may have in you.

You'll increase your competence and confidence and become a go-to person others look to for guidance

There's a wide gap between finance professionals who know the basics and those who can make their work files really dance. It often comes down to proactivity and dynamics. You'll learn how to use: CHOOSE, OFFSET, INDIRECT, SPILL, SEQUENCE, FILTER, UNIQUE, SORT, SORTBY

Discover how to utilize dynamic and other advanced functionality

To develop good forecasts, that are easy to update, and clear to interpret, you'll need to master the most common and unique functions for dates, time, and math. You'll learn: EOMONTH, YEARFRAC, NETWORKDAYS, DATE, DAY, MONTH, YEAR, MIN, MAX, AVERAGE

Master the MATH and DATES functions

Excel for finance is more than basic functionality. It requires integration and management of large or changing sets of data. You'll learn legacy functions as well as the most recent releases of the last couple years: MATCH, XMATCH, INDEX, XLOOKUP, V/HLOOKUP, DATA VALIDATION

Learn the LOOKUPS

Covered will be foundational functions that serve as the common threads for your work files. You'll learn how and when to use each through a multitude of different exercises and cases. Some functions include: IF, IFS, OR, AND, SUM, SUMIFS, SUMPRODUCT, COUNT, COUNTIF,COUNTIFS

Cover your bases

You won't just learn functions and formulas in isolation. You'll learn how to string them together to accomplish efficiencies you didn't know were possible. You'll learn approaches for building reports, dashboards, conducting month-end close, budgeting, forecasting, and more.

Bringing it all together

This program involves real business cases, real client exercises, and real applications to work you're likely to encounter. You'll learn creative thinking and how to immediately translate the lessons learned to your work.

Direct application in corporate finance, FP&A, management consulting, or investment banking

📊 Excel is the most widely-used financial tool on the planet. Master it for finance, accounting, forecasting, analysis, and everyday use.


Carl Seidman CPA | Microsoft MVP

Principal, Seidman Financial

Cohort 6 (Apr 2024)

Cohort 7 (Mar 2025)

In this exceptionally interactive, roll-up-your-sleeves program, you will transition from a traditional financial analyst to a strategic financial modeler, capable of building complex and dynamic integrated Excel models that capture the intricacies of business operations. This training will walk you through, step-by-step, how to build integrated 3-statement financial and operating models. It will be focused on modeling for performing and underperforming businesses, not exclusively for investment banking transactions. While other financial modeling training mostly focuses on model-building and how financial statements connect, this program will walk you through the strategic financial considerations you'll be making as a financial analyst, Controller, Director of FP&amp;A, or CFO. Because the program is live and cohort-based, it provides a hands-on and immersive experience with a 20-year finance practitioner and a group of smart, driven professionals just like you. The modeling techniques learned are the same techniques and methods employed in small entrepreneurial businesses, mid-market companies, and Fortune 1000s. The ability to build powerful financial models is no longer just for investment bankers and Excel gurus. It's a necessity for corporate finance and FP&amp;A professionals too. -----------------------------------------------------------Seidman Financial is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.NASBARegistry.org. Seidman Financial is a division of Seidman Global LLC. -------------------------------------------------------📆 JANUARY 2025 COHORT:------------------------------------------------------- 5 Sessions, 4 hours eachFridays, 9 am - 1 pm CDT - January 10- January 17- January 24- January 31- February 7 -------------------------------------------------------Total Live Commitment: 20.0 hoursTotal CPE: 20.0 credits-------------------------------------------------------

What this course is all about...

We start by understanding all of the data and information that's necessary to build an integrated financial model. This includes document requests, interviews, historical financials and more. We cover what needs to be done in the absence of information, which is so often the case with companies either just starting out or will poor quality of data.

Managing the data

We'll cover the foundations of what the financial statements do, how they're built, and the ways in which they connect to each other. We'll talk through the differences between small and midsized companies and large corporations and what you'll likely need to think about in your work with companies of all sizes.

Introduction to 3-Statement Modeling

The most well-understood financial statement is the income statement (P&amp;L). We'll walk through this vital part of the model step-by-step. First, we'll examine how sales can be forecast with a high degree of confidence. Second, we'll analyze cost profiles. Finally, we'll forecast overhead expenses and discuss the considerations that need to be made.

Building the Income Statement (P&L)

The balance sheet is perhaps the most misunderstood of the 3 statements. While many company owners feel it's merely a report to be maintained, CFOs and FP&amp;As know the balance sheet is the source of working capital management and optimization, capex planning, and more. We'll walk through every line and forecast it correctly while explaining nuance.

Building the Balance Sheet (B/S)

We won't be drumming "cash is king." No, we'll actually be building a set of indirect and direct cash flows and using them to highlight the financial well-being of the business. We'll highlight the similarities and differences between an indirect and direct cash flow and what advantages each may bring.

Building the Statement of Cash Flows

Once all 3 of the major statements are complete, we'll integrate the entire model together. We'll run tests to ensure all transactions are being tracked and incorporated correctly.

Completing the 3-Statement Financial Model

Remember, the model is just the tool, not the outcome. We'll sensitize the model and introduce various scenarios that the business might encounter. We'll develop schedules and reports for presentation to end users. We'll analyze what the financial model is showing us and use it to provide guidance to the company's leadership.

Putting it All Together

What We Cover

Fridays: October 18, 25 and November 1, 8, 15

Course schedule

Aspiring financial analysts seeking to develop advanced modeling skills for career growth in finance, investments, and banking.

Corporate finance professionals seeking to build robust financial models to support strategic planning, capital raises and allocations.

CFOs and finance leaders looking to elevate their team's capabilities in financial modeling for strategic planning and value creation.

Financial managers aiming to optimize business performance through data-driven decision-making using advanced financial models.

Private equity analysts seeking expertise in advanced financial modeling to assess potential acquisitions and improve portfolio performance.

Accountants looking to expand their skillset by mastering advanced financial modeling techniques beyond core accounting and Controllership.

A key obstacle for financial modelers is evolving models without adding unnecessary complexity. You'll gain a deep understanding of key financial concepts and model-building principles that will allow your financial models to grow seamlessly without breaking or getting clunky.

Develop exceptional technical expertise in financial modeling

You will learn how to incorporate various aspects of finance -- including accounting, corporate finance, and investment analysis -- into your financial models. This comprehensive approach will allow you to analyze and interpret financial data from multiple end-user perspectives.

Position for the benefit of your audience, not just yourself

You'll learn the foundations of finance and accounting that you need to understand the connections across the 3 core financial statements. You'll get comfortable with how the changes in certain business drivers hit the financials and what the company can do to manage them.

Understand how the 3 financial statements -- the P&L, balance sheet, and statement of cash flows -- connect and influence each other

Microsoft Excel continues to be the gold standard for most financial modeling. While it's not always the perfect tool, learning how to perform in Excel will allow you to leverage your model for use in other platforms.

Master Excel functionality

The goal of financial modeling isn't to build a financial model. The goal is to develop financial intelligence to support business decisions. The development of your financial models will allow you to better understand the drivers and nuances of the business and what can be done.

Gain a thorough understanding of the drivers of financial performance

You'll be exposed to real-world financial scenarios and business cases, which will enable you to develop strong problem-solving skills. You'll learn to analyze complex financial data, identify trends and patterns, and derive insights that can inform quicker business decisions.

Improve problem-solving skills

Financial models are only as good as the underlying data and assumptions. Increase your confidence in front of your peers and leadership by development a thorough understanding of the context behind the assumptions.

Increased confidence in decision support and building defensible assumptions

Crafting the financial model is one thing, but being able to manage it and communicate what is say is something entirely different. You'll learn to identify what's most important to leadership, third-parties, and business partners to present your models effectively.

Effective communication and presentation abilities

You'll be in a cohort-based group of smart people just like you. You'll discover their backstories, what they do for work, how they've gotten to where they are today, and what they can bring to the learning community. You'll be expected to share the same.

Grow your professional network

📈 Build sophisticated financial models that enable you to make strategic business decisions and optimize business outcomes.


Principal, Seidman Financial | Microsoft MVP

Cohort 5

Cohort 6

Complete Financial Wellness is a live online workshop where you will learn exactly what you need to do to effectively manage your finances with very little effort. This class is not a collection of theories and concepts. You will learn real-world information and leave with a solid understanding of your finances. You will also learn how to use an account structure to put your finances on autopilot, build wealth systematically, and have the information you need to make decisions and plans with confidence. The result is having the information you need to solve your financial issues, build wealth faster, achieve your goals, and live the life you have been working so hard to have. I have been teaching personal financial management for more than 25 years and will share critical information that's easy to understand, and a way for you to manage your money that is fast to implement and effortless to maintain. Complete Financial Wellness - Easy to understand, fast to implement, effortless less to maintain. See you in class! For more information: Please scroll down to the Course Syllabus for a detailed review about financial wellness, what to expect, what you will learn, and what you will have in your hands at the end of this course.

Easily manage your finances and make decisions and plans with confidence.


Provide a brief description for each module as a way to sell the value of what students will be learning throughout the course.

First Module

Second Module

Third Module

Course syllabus

Saturday


Working households who want to eliminate the stress, anxiety, and administrative burden of managing their finances.

Professionals who earn a solid income but can't seem to get ahead and want to build wealth consistently and predictably.

Commissioned Employees or Business Owners with fluctuating incomes who want a way out of the feast and famine cycle.

Who benefits most from this course?


What you’ll learn in this course

<ul><li>Personal debt is greater than ever and increasing at an alarming rate</li><li>Making ends meet is getting harder each month</li><li>Financial stability seems impossible</li><li>The life we want to live feels unattainable</li></ul> Why is this happening and how do you protect yourself and your household?

Why most people are struggling with their finances


<ul><li>Apps</li><li>Financial Literacy</li><li>Financial Planners</li></ul> With all of these resources, why can't we get our financial house in order?

The 3 options available to help you manage your finances and why they aren't working


<ul><li>Where your money comes from throughout your life</li><li>Where it's all going</li><li>How to control it</li><li>How to make financial decisions and plans with confidence</li></ul>

The 4 things you must know to live your financial life with confidence


<ul><li>Knowledge</li><li>Insight</li><li>Control</li><li>Plan</li><li>Accumulate</li><li>Deploy</li><li>Distribute</li></ul> Understanding the stages of your financial life will help you know what to do today to create the tomorrows that you want.

The 7 stages of your financial life


Financial wealth is having more choices - simple as that. The more financial wealth, the more choices you have. Learn which financial profile gives you the most choices.

The 3 financial profiles 


<ul><li>Income</li><li>Bills</li><li>Spending</li><li>Funds</li><li>Investment Contributions</li></ul> Understanding these elements and how they work together is critical to having the information you need to create a clear plan and build the life you want.

The 5 elements of cashflow


<ul><li>How money enters and exits your life</li><li>How to use an account structure to put your money on autopilot and build wealth systematically.</li></ul>

Cashflow Logistics


<ul><li>Using proper financial management to build wealth 24% faster.</li><li>How to live your life at a 30%-70% discount with one simple decision.</li><li>Take chances, or assure your wealth when you are young? Debunking conventional thought.</li><li>It's just $100 a month payment, or is it?</li></ul>

Bonus Learning - The Math


Practical, step-by-step instructions to effortlessly manage your money and make financial decisions and plans with confidence.


Nader Yassa

CEO of Lifestyle Plan

December 14

January 4

The first course I teach, Complete Financial Wellness, is a prerequisite to this masterclass. This masterclass is a 3-part live interactive online course that will provide you with greater knowledge and deeper insight into what you learned in the initial course. In this course we focus heavily on execution as I provide additional technical details as you: 1. Build your comprehensive cashflow plan. 2. Establish your account structure. 3. Implement a cashflow logistics process to effortlessly manage how money enters and exits your life. This course is limited to 10 participants per cohort to allow ample time for questions and answers. The three parts of the course are: The 7 Stages of Your Personal Finance Journey&nbsp;- Understanding the stages of your financial life so you know what to do today to create the tomorrows you are working so hard to achieve.&nbsp; The 5 Elements of Cashflow&nbsp;- How money enters and exits your life, and what living within your means...really means.&nbsp;The 3 Accounts You Need to Put Your Money on Autopilot - How to establish your account structure and automate cashflow logistics so that you can effortlessly manage your money. Complete Financial Wellness - Easy to understand, fast to implement, effortless to maintain. See you in class! For more information: Please scroll down to the Course Syllabus for a detailed review about financial wellness, what to expect, what you will learn, and what you will have in your hands at the end of this course.

Putting what you learned into practice.

If your events are recurring and at the same time, it might be easiest to use a single line item to communicate your course schedule to students

Saturday

Working households who want to eliminate the stress, anxiety, and administrative burden of managing their finances.

This course is for students who have attended the first Complete Financial Wellness course. The first course and this masterclass benefit:


What you’ll learn in this course


How making daily financial decisions and planning for your future work together and why both tactics and strategy are paramount to designing your financial life and realizing your financial goals and objectives.

Tactics and Strategy

A clear roadmap of your personal finance journey and the critical components of each. Knowledge - Insight - Control - Plan - Accumulate - Deploy - Distribute

The 7 stages of your finance journey


How money enters and exits your life. IncomeBillsSpendingFundsInvestment Contributions

How to establish an account structure to put your money on autopilot and build wealth systematically.

Establishing your account structure

How to implement an automated cashflow logistics plan so you can manage your money with very little effort.

Cashflow Logistics

<ul><li>Stock Market vs Real Estate.</li><li>Leverage into net worth, liquidate into cashflow, but only if necessary.</li><li>How to create non-taxable cashflow by managing a depreciable base.</li></ul>

Bonus Learning - The Math

Deepen your knowledge of personal finance and receive further technical instructions as you implement what you learned in the initial class.

Lightning Lessons

Personal Finance 101