Figured isn't a lecture and it isn't a webinar you mute halfway through. It's six people meeting once a week to work through one real adult problem at a time — the kind you'd otherwise learn by getting it wrong first.

One topic, start to finish. Every session covers exactly one thing — clearly, completely, no half-explanations.

Something to actually do. Each week ends with one specific action, not a list of things you'll forget by Friday.

A small enough room to matter. Six people max, so it's a conversation you're part of, not content you're consuming.

Three levels, six weeks each

Start wherever your life actually is right now. Each level runs six sessions and stands on its own.

Level one

Survive

For the first semester on your own, when everything is new and nothing is explained.

Where your money actually goes
Reading a lease before you sign it
What a credit card really costs
Feeding yourself for under $40 a week
What your health coverage covers
Having the money conversation you're avoiding

Level two

Stabilize

For once you've survived a semester and want systems, not scrambling.

A budget that survives real life
Your credit score, explained plainly
Filing taxes for the first time
Renter's insurance, in plain terms
Negotiating almost anything
Cleaning up your digital money habits

Level three

Build

For decisions now that are still paying off in twenty years.

Your first $1,000 invested
Reading a job offer properly
Student loans, the real numbers
Building a reputation before you graduate
Building credit strategically
Designing your financial life on purpose

Enrollment Agreement

Figured Cohort Terms of Participation & Membership Policy

1. Program Structure & Cohort Size

Figured is a peer-based adult life skills program teaching practical financial, legal, career, and household independence. Groups meet once per week for 45 minutes on live video across six-week curriculum blocks (Level 1: Survive, Level 2: Stabilize, Level 3: Build). Each cohort is capped at six participants.

2. Active Attendance & Community Expectations

Participants are expected to attend all scheduled sessions on time, participate with camera active, and complete the single designated action item between meetings.

3. Tuition & Seat Reservation

Tuition is $25/month via Stripe. Payment of the first month is required at application to confirm your seat. Spots are held on a first-confirmed basis.

4. Cancellation & Refund Policy

Tuition is non-refundable once a cohort session has run. If you cannot attend a cohort you've enrolled in, you may request a transfer of your credit to an upcoming cohort with at least 48 hours' written notice before the first scheduled session.

5. Mutual Privacy & Group Confidentiality

All participants agree to keep any personal, financial, or identifying information shared by fellow group members strictly confidential, both during and after the program.

6. Session Recordings

Sessions are recorded by the facilitator for personal review only. Recordings are never distributed or shared with other students or any third party. Participants may not record any session themselves without written consent from everyone on the call, including the facilitator.

7. Community Conduct & Removal

Disruptive or disrespectful behavior is addressed directly and privately first. A second incident may result in removal from that session. Harassment, threats, or breaching another student's confidentiality may result in immediate, permanent removal without refund. No participant may use the cohort to solicit, sell, or promote anything to another participant.

8. Educational Nature & Disclaimer

Figured is an educational program. Nothing shared in sessions constitutes certified financial planning, tax representation, investment advice, insurance advice, or legal counsel. Participants are responsible for their own decisions and are encouraged to consult a licensed professional for anything specific to their situation.

9. Program Materials

All worksheets, workbooks, and session materials are the intellectual property of Figured. Materials are for your personal use only and may not be redistributed or reused commercially.

10. Limitation of Liability

Figured is not liable for any financial, legal, or other outcome arising from information shared in this program. In no event will total liability to a participant exceed the amount paid in the 30 days prior to any claim.

11. Governing Law

This agreement is governed by the laws of the State of Texas. Any dispute will first go through direct communication, then mediation, before any legal action.

12. Electronic Signature & Acknowledgment

By typing your full legal name into the enrollment application's signature field and submitting the form, you confirm that you have read, understood, and agreed to be bound by all terms in this Enrollment Agreement.

Nobody taught you this. So we will.