Learn

/apprendre is a finance course, and it is part of the application rather than of this site: it is installed with it, read from your own instance with nothing fetched from anywhere, and three screens read their thresholds from it. It has three tabs (Course, Concepts and Pyramid), and it is the screen to open when a figure elsewhere raises a question it cannot answer by itself.

It is written for France

The seventh chapter is the French income-tax schedule: marginal rate against average rate, what a deduction is worth against a reduction and against a credit, and the capital-gains base per kind of asset. The fourth is about the wrappers a French household holds a fund in: a plan d’épargne en actions with its five years, a securities account with neither ceiling nor clock, and a life insurance contract which here is a savings contract with a euro fund inside it rather than a death-benefit policy. Rental regimes, SCPIs and transfer allowances appear for the same reason.

What travels outside France is the mechanics: compounding and what erodes it, the difference between price variation and permanent loss, how a fund’s ongoing charge compounds against you, leverage on a real asset, custody of a digital one, the savings rate. The figures printed beside it do not travel, and the course does not claim they do.

The figures the law sets, the flat tax, social levies, the ceilings of the regulated savings accounts and of the PEA, the life insurance allowances, the property wealth tax threshold, the maximum debt-to-income ratio of a mortgage, sit in a single table, The 2026 figures, folded under the chapters: its heading says how many figures it holds, and opens it. Every lesson that cites one lists the ones it uses under its example, and the text reads them from that table: when a finance law changes them, the whole course follows.

The eight chapters

Eight chapters split into lessons of a few minutes: one idea a lesson, the figure to keep, an example whose inputs you move, and a question that checks what was just read. The chapters have seventeen, seventeen, twenty, twenty, twenty-five, twenty-one, twenty-five and twenty-four. Each chapter opens on its contents, which give every lesson’s length, and ends on the point to take away from it. Read them in order or go straight to the one you came for.

Chapter	What it covers
The arithmetic of the long run	What multiplies capital, what erodes it without ever appearing on a statement and how to read a return without fooling yourself.
Risk, horizon and how capital is split	Telling price variation apart from permanent loss, then sizing each sleeve by its horizon and by the loss it can absorb.
Listed markets: ownership, debt and interest rates	What an equity stake, a debt claim and a cash vehicle actually confer, and by what mechanism each one arrives at a price.
Pick the fund first, the wrapper second	Two separate decisions: which fund to buy, and which wrapper to hold it in. Costs settle the first, five axes settle the second.
Property and credit: leverage applied to a real asset	Entry costs, borrowing capacity, cash flow and letting regimes: what determines the outcome of a debt-financed property.
Digital assets, private markets and tangible goods	Three families of assets where total loss is an ordinary outcome: mechanics, real access, custody and sizing.
Household tax and transfer of wealth	Marginal rate, the real value of a tax break, capital gains rules by asset type and the timing of transfers.
Cash flow, reserve and execution discipline	Savings rate, precautionary reserve and automation: the only variables a household genuinely controls.

Concepts, and the vocabulary under them

The second tab holds sixteen short cards (compounding, the weight of fees over time, diversification, inflation and the rest), and under them sixty terms of vocabulary, each explained in one line and filed under the idea it belongs to. One search box reads both at once, so a word met in a chapter can be looked up by what it means rather than by its exact spelling. A term dotted-underlined inside a chapter opens its definition where it stands, without leaving the page.

The pyramid

The third tab draws the order in which wealth is built, in six tiers: the roof over your head at the base, then the emergency fund, euro funds, equities and funds, income property, and exotic assets at the peak. A tier only holds once the one below it is solid, and clicking one opens its risk, its liquidity, its horizon, what it is for, what has to be in place before it, and what to watch. It is the one surface of the three that is a picture rather than a text, and it is what Your safety net argues from.

Your path

The Course tab opens on Your path: the lesson to read now, with Start or Resume, and the four that come after it. Its order starts from what the Advice screen says about your accounts: a warning or a remark on your precautionary reserve puts the reserve lessons first, one on the weight of a single holding puts allocation first, and the same goes for how regularly you invest, digital assets, a wrapper nearing its tax milestone or its ceiling, and fees. Warnings come before remarks, three subjects at most lead the way, and a sentence above the lesson says which one it comes from. Once those lessons are read, or when the advice raises nothing, the path is the course in its own order. The chapters stay below it, each one open at any time.

Your progress through the course

A lesson ends on Continue, which counts it as done and opens the next one; the last lesson of a chapter goes back to its contents. The card under the path counts what that adds up to: “N of M lessons done”. Nothing is ever locked: the count only keeps your place, and a lesson opens whether or not the one before it was read.

A wrong answer costs nothing at the time: the question comes back the next day, in the review the “To review today” card offers as soon as a question is due. Answered right, it comes back three days later, then seven; right again, it does not come back. Answered wrong, it starts over the next day. The review serves four questions a day at most.

Progress recorded before the lessons is not lost: a section read counts for every lesson that replaced it, and a question answered right for the one that took its place.

Seven of the twenty-seven achievements the sidebar ring counts are earned here: the first lesson done, the first chapter finished, four chapters, the whole course, a review passed, a concept card opened and the pyramid visited. They are listed under Progress and achievements.

Overview, Goals and Advice read its thresholds

Three screens take their thresholds from one of the course’s paragraphs. The safety cushion is read against three bands: exposed under three months of expenses, covered from three to nine, and above nine part of that saving is asleep. Those two bounds are the course’s own ranges, carried in the shared code with course.json named as their source. Overview grades the cushion tile with them, Goals draws the band on its card, and Advice writes them into the sentence it returns about your cash.

The traffic goes the other way too. The Monte-Carlo simulator links back to the passages that argue what it assumes, and the French addresses of the eleven calculators are kept French because the course links to them. Simulators says so where it lists them.