PILLAR 01FIELD MANUAL CURRICULUM

KNOW WHAT YOUR MONEY IS ACTUALLY DOING.

Banking, credit card statement math, insurance fine print, taxes, debt traps, investing fundamentals, retirement mechanics, and avoiding expensive preventable mistakes.

KEY SYSTEMS COVERED:

Banking & Statement CyclesCredit Utilization & Bureau ScoresInsurance ACV vs. Replacement CostTax Brackets vs. Effective RateHidden Loan Fees & Compounding DebtContracts & Overlooked Clauses

MONEY FIELD MANUALS (2)

PRACTICAL KNOWLEDGE

SNTU field manual diagram contrasting Statement Balance and Current Balance on a credit card statement

FM-MN-002MONEY

01 / MONEY•5 min read

Your credit card shows two balances. Which one do you actually pay?

Current Balance vs. Statement Balance. Paying the wrong one either costs you accidental interest or wastes cash flow you didn't need to surrender yet.

READ THE MANUALUPDATED 2026-08

SNTU field manual graphic comparing Actual Cash Value ACV with Replacement Cost Coverage RCV

FM-MN-007MONEY

01 / MONEY•4 min read

Actual Cash Value vs. Replacement Cost: The fine print on your policy.

If your 8-year-old roof or 5-year-old television is destroyed, ACV pays what a used, depreciated item is worth on Craigslist. Replacement Cost pays what it costs to buy a brand new one today.

READ THE MANUALUPDATED 2026-09

FIELD GUIDE / 001

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