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Why Diversification Still Works
A refresher on correlation, concentration risk, and why the free lunch is not dead.
Personal Finance • Economics • Markets
Personal finance, economics, and market analysis from a professor and fintech operator with 15+ years in the field.
Explore the lessonsJesús Izquierdo, MSF, CAMS is an Adjunct Professor of Finance at Miami-Dade College and a fintech compliance executive. He translates real-world financial strategy, market mechanics, and risk management into accessible ideas for students, professionals, and everyday investors.
Practical frameworks and academic foundations across personal finance, economics, and markets.
Budgeting, emergency funds, debt management, credit building, and building wealth systematically.
Risk/return trade-offs, diversification, portfolio construction, and the intuition behind asset pricing.
Reading market signals, macro drivers, valuation basics, and separating noise from signal.
How crypto, MSBs, and fintech infrastructure work — and why regulation matters to investors.
Full 16-week course packages with modules, quizzes, answer keys, problem sets, and assignments. Free to download.
16 weeks • 55+ pages • 160 quiz questions with answer keys
Budgeting, credit mastery, debt elimination, taxes, insurance, investing (stocks, ETFs, Bitcoin, RWAs), retirement accounts, home ownership, and estate planning. Crypto and self-custody woven throughout.
16 weeks • 45+ pages • Problem sets with full solutions
Financial statements, TVM, bond valuation, CAPM, capital budgeting (NPV/IRR), WACC, capital structure, DCF valuation, crypto treasury management, tokenized RWAs, prediction markets, and DAO finance.
Essays on markets, money, and the ideas that shape how we think about finance.
A refresher on correlation, concentration risk, and why the free lunch is not dead.
How liquidity protects the rest of your financial plan from panic decisions.
Why anti-money laundering policy matters beyond compliance departments.
Speaking inquiries, course questions, or collaboration ideas — send a note.