Apparatus · Coverage

Coverage

Updated 2026-08-01 · Sources: 3 · 27 topics · 40 band-topic cells · 70 lessons

Two tables. The first crosses our lessons against the union of every topic the major money curricula carry. The second crosses our five age tracks against the standard topics. Both are rendered from the same JSON files that site/scripts/check-breadth.mjs checks at build time, so this page cannot flatter the site: if a topic loses its last lesson, the build fails until either a lesson is written or a reason is published here.

27topics with lessons

0topics declined, with reason

33/40band × topic cells built

7holes in the matrix

What "covered" means here, and what it does not

Covered means a lesson exists that gives the topic a named section of its own, or is wholly about it. That is the whole claim. It does not mean our treatment is deeper than any competitor's, that the lesson is long, or that it is the best thing written on the subject. Breadth and depth are separate questions, and this page only settles the first.

A passing mention inside a paragraph does not count. That rule is why two topics below are declined even though the words appear in our lesson prose; the alternative is a table that counts a sentence as a syllabus.

Where a covered topic still has a known hole, the hole is written into the row rather than left for a reader to discover. Four topics are declined outright. Ten of the 40 band × topic cells are empty. None of that is a rendering accident; it is the state of the site on the date in the apparatus line above.

Measured against the competition

"Comprehensive" is only meaningful against someone else's list. The 27 topics below are the union of the table-stakes topics carried by NGPF, Ramsey, Crown and the major secular calculator sites. A topic with no lesson and no stated reason fails the build.

Competitor topic union · 27 topics · 27 mapped, 0 declined
Topic	Carried by	Covered in
Budgeting & cash flow	NGPF unit; Ramsey EveryDollar; table stakes	Your first budget: telling money where to go Needs, wants, and the contented heart Surviving real months: sinking funds and margin
Banking, checking & fees	NGPF unit; table stakes	How banks actually work Using checking and savings well Choosing where to bank
Emergency fund	Ramsey Baby Step 1/3; table stakes	The emergency fund: your family's storehouse Where to keep it: choosing an account for saved money
Debt payoff strategies	Ramsey core; table stakes	Getting out: the payoff plan
Types of credit & cost of credit	NGPF unit	How credit works: borrowing tomorrow's income Big debts and cosigning: loans that shape decades
Credit scores & reports	NGPF Managing Credit; table stakes	Credit cards and credit scores, honestly
Income tax basics	NGPF unit; table stakes	Why taxes exist, and how they work Your paycheck and withholding Filing basics: doing your own return honestly Investment and business tax: gains, self-employment, and honest deductions
Insurance & risk management	NGPF unit; CEE topic VI	What insurance actually is: pooling risk, not gambling The insurance you actually need, by life stage Deductibles and coverage amounts: the math behind the choice Annuities and long-term care, honestly
Investing & compounding	NGPF unit; CEE topic IV	Investing first principles: risk, time, and ownership Index funds and diversification: give a portion to seven Compound interest: little by little, then suddenly
Retirement accounts & drawdown	Money Guy / Bogleheads core; table stakes	Why 25 beats 35: starting retirement saving now 401(k) and IRA: the containers, explained plainly How much is enough for retirement? Social Security: how it is computed and when to claim Decumulation: spending a portfolio without running out
Paying for college	NGPF unit + alternatives mini-unit	Paying for college: pricing a degree like any other investment
Buying a car	NGPF mini-unit; table stakes	Big purchases: cars, housing, and counting the cost Predatory products: why the poor pay more
Renting & buying a home	NGPF mini-unit; table stakes	Big purchases: cars, housing, and counting the cost Big debts and cosigning: loans that shape decades Real estate and alternatives: honest about the work and the fees
Career & earning power	NGPF Career unit	Your first paycheck: what a pay stub actually says Raising your value: skill, evidence, and asking well Side income, honestly: what it can and can't do
Salary & price negotiation	table stakes (landscape §D)	Negotiation: truth-telling with courage Raising your value: skill, evidence, and asking well
Behavioural economics & bias	NGPF unit	Why we overspend: advertising, comparison, and the biases beneath Habits and automation: don't spend character on repetition Behavior and speculation: the biggest risk is you
Consumer skills & fraud	NGPF unit; table stakes	How scams work: the playbook behind every con Locking it down: identity theft and account security Predatory products: why the poor pay more
Gambling & sports betting	NGPF mini-unit	Gambling and speculation: when the edge is the product
Cryptocurrency & speculation	NGPF mini-unit	Real estate and alternatives: honest about the work and the fees Behavior and speculation: the biggest risk is you
Entrepreneurship	NGPF mini-unit	What a business actually is Pricing and profit: unit economics that don't lie Cash flow and books: staying alive between sales Entities and funding: how a business is owned and paid for Reading financial statements without an accounting degree Side income, honestly: what it can and can't do
Philanthropy & giving	NGPF mini-unit; our core	Deciding your percentage: giving before you feel like it Giving wisely: vetting charities without losing your heart for it Tax-smart giving: efficiency in service of generosity
Estate & inheritance basics	table stakes (landscape §D)	Why you need a will, especially with young children Beneficiaries and the documents your will doesn't cover Trusts, plainly: what they do and when they're worth it Preparing heirs, not just an inheritance
Money in marriage & household	Ramsey/Crown core	Money with others: couples, kids, negotiation, and counsel A household plan: one set of numbers, said out loud Gap: A dedicated lesson now walks the standing conversation and one worked month. It is still one lesson, not the multi-week course Ramsey and Crown sell.
Teaching children about money	Ramsey kids products; Crown	Money with others: couples, kids, negotiation, and counsel Teaching with real money: a first allowance, counted out Gap: A lesson now counts a first allowance and points at /do/teach-your-kids. The age-by-age parent guide, including the chores-versus-allowance argument, still lives on that Do page.
Values/faith-based investing	FISM core distinctive	Biblically responsible investing: screens, trade-offs, and honest limits
Financial crisis & hardship	CFPB territory; rarely covered by anyone	The emergency fund: your family's storehouse Surviving real months: sinking funds and margin Predatory products: why the poor pay more Getting out: the payoff plan When you cannot pay: collections, foreclosure, and bankruptcy Gap: Prevention is the emergency-fund lesson and surviving-real-months. The after-it-lands doors (collector validation, free HUD housing counseling, the foreclosure wait, and the courts' bankruptcy overview) are named in credit-debt-when-you-cannot-pay, summarized in credit-debt-getting-out, and weighed on /questions/bankruptcy. That is a map of official pages, sourced to the CFPB, HUD, and the federal courts, not state-by-state procedure and not advice on whether to file.
Discrimination in finance	NGPF mini-unit	Partiality: when the price depends on who you are

Every track crossed with every standard topic

The columns are the six topics of the 2021 CEE / Jump$tart national standards, plus two we added and label as ours: Giving & Generosity (no secular standard covers it, and it is central to the biblical account of money) and Work, Service & Enterprise (value creation as the root of income). Naming them as additions rather than folding them in is the point: a reader comparing us to the standards should be able to see exactly where we departed from them.

Rows are our five reading tracks. A cell is built when at least one lesson carries both that track and that topic. The topic assignment per lesson is editorial (it is made from the lesson's sections, not from its filename), and the age track is copied straight from the lesson's own frontmatter.

● built · ○ specified but unwritten · · not planned; ○ does not appear on this site: every lesson in the manifest is a file on disk, so there is no planned-but-unwritten state to show.
Track	Earning Income	Spending	Saving	Investing	Managing Credit	Managing Risk	Giving & Generosity (ours)	Work, Service & Enterprise (ours)
Seedlings 5-10	no lesson	1 built, 1 lesson(s)	1 built, 1 lesson(s)	no lesson	no lesson	no lesson	no lesson	no lesson
Builders 11-17	3 built, 3 lesson(s)	5 built, 5 lesson(s)	8 built, 8 lesson(s)	6 built, 6 lesson(s)	3 built, 3 lesson(s)	2 built, 2 lesson(s)	no lesson	1 built, 1 lesson(s)
Founders 18-25	9 built, 9 lesson(s)	15 built, 15 lesson(s)	14 built, 14 lesson(s)	11 built, 11 lesson(s)	10 built, 10 lesson(s)	10 built, 10 lesson(s)	3 built, 3 lesson(s)	4 built, 4 lesson(s)
Stewards 26-60	9 built, 9 lesson(s)	14 built, 14 lesson(s)	13 built, 13 lesson(s)	19 built, 19 lesson(s)	11 built, 11 lesson(s)	19 built, 19 lesson(s)	7 built, 7 lesson(s)	8 built, 8 lesson(s)
Elders 60+	1 built, 1 lesson(s)	3 built, 3 lesson(s)	2 built, 2 lesson(s)	7 built, 7 lesson(s)	1 built, 1 lesson(s)	10 built, 10 lesson(s)	6 built, 6 lesson(s)	1 built, 1 lesson(s)

The 7 empty cells, named

A dot in a table is easy to skim past, so the same information is written out. Each line is a track that has no lesson touching that topic at all.

Seedlings (5-10): no lesson under Earning Income
Seedlings (5-10): no lesson under Investing
Seedlings (5-10): no lesson under Managing Credit
Seedlings (5-10): no lesson under Managing Risk
Seedlings (5-10): no lesson under Giving & Generosity
Seedlings (5-10): no lesson under Work, Service & Enterprise
Builders (11-17): no lesson under Giving & Generosity

How this page is checked

node site/scripts/check-breadth.mjs fails the build when a topic has neither a lesson list nor a published reason, when a topic names a lesson that is not a file on disk, when a topic carries both a lesson list and a reason, or when a lesson file exists that the matrix does not track. Declined topics are reported as warnings every run, so they cannot be quietly forgotten.

The matrix carries a flag, coverage_claim, currently set to "partial". On "partial" the empty cells are warnings; on "full" every empty cell is a hard build failure. The manifest states the rule for it plainly, and it is repeated here because a flag like this is only honest if the reader can see the temptation it guards against:

Do NOT set coverage_claim to "full" to make the build green. The flag exists to make the claim falsifiable, not achievable by editing.

Which is to say: the 33/40 above is the output of a check that would have stopped the build if it were wrong, not a number anyone typed. See all lessons for the full index, and the Steward's Path for the order they are meant to be read in.