[
  {
    "id": "c101",
    "title": "Budget Foundations",
    "category": "Budgeting",
    "level": "Beginner",
    "durationHours": 6,
    "format": "Video",
    "price": 59,
    "rating": 4.7,
    "short": "Create a simple monthly budget you can actually follow.",
    "description": "Learn a friction-light approach to budgeting that starts with observation and ends with a plan that breathes. Includes envelope-style categories, variable expense planning, and a weekly review ritual.",
    "tags": ["cash flow", "habits", "planning"]
  },
  {
    "id": "c102",
    "title": "Debt Payoff Methods",
    "category": "Debt",
    "level": "Beginner",
    "durationHours": 5,
    "format": "Video",
    "price": 49,
    "rating": 4.6,
    "short": "Compare snowball and avalanche strategies with real numbers.",
    "description": "Design a debt payoff plan with timelines and decision points. Learn trade-offs of interest-first vs. motivation-first approaches, and build a tracker that you’ll actually keep using.",
    "tags": ["snowball", "avalanche", "tracking"]
  },
  {
    "id": "c103",
    "title": "Investing Basics",
    "category": "Investing",
    "level": "Beginner",
    "durationHours": 7,
    "format": "Video",
    "price": 79,
    "rating": 4.8,
    "short": "Long-term, diversified investing without the noise.",
    "description": "Understand stocks, bonds, index funds, and asset allocation. Learn rebalancing, fees, and basic risk awareness so you can build a portfolio policy you can stick with.",
    "tags": ["index funds", "allocation", "costs"]
  },
  {
    "id": "c104",
    "title": "Credit Score Repair",
    "category": "Credit",
    "level": "Beginner",
    "durationHours": 4,
    "format": "Text+Tools",
    "price": 39,
    "rating": 4.5,
    "short": "Demystify credit reports and build consistent habits.",
    "description": "Read your credit report, dispute inaccuracies, and create gentle reminders that improve consistency over time without gimmicks.",
    "tags": ["reports", "disputes", "habits"]
  },
  {
    "id": "c105",
    "title": "Tax Essentials for Employees",
    "category": "Taxes",
    "level": "Beginner",
    "durationHours": 3,
    "format": "Video",
    "price": 35,
    "rating": 4.4,
    "short": "Withholding, deductions, and record-keeping 101.",
    "description": "Understand paystubs, W-4 adjustments, standard vs. itemized deductions, and basic documentation workflows for a stress-reduced tax season.",
    "tags": ["withholding", "deductions", "documents"]
  },
  {
    "id": "c106",
    "title": "Retirement Planning Map",
    "category": "Retirement",
    "level": "Intermediate",
    "durationHours": 8,
    "format": "Hybrid",
    "price": 119,
    "rating": 4.7,
    "short": "Build a long-view savings and investing roadmap.",
    "description": "Learn contribution strategies, account types, and withdrawal considerations. Craft a written investment policy that keeps you oriented through market cycles.",
    "tags": ["401k", "IRA", "policy"]
  },
  {
    "id": "c107",
    "title": "Insurance Literacy",
    "category": "Protection",
    "level": "Intermediate",
    "durationHours": 5,
    "format": "Video",
    "price": 55,
    "rating": 4.5,
    "short": "Understand common policies without jargon.",
    "description": "Dissect health, auto, renters, and life insurance basics. Learn how deductibles, limits, and riders affect your real risks and budget trade-offs.",
    "tags": ["risk", "coverage", "planning"]
  },
  {
    "id": "c108",
    "title": "Home Buying Readiness",
    "category": "Major Purchases",
    "level": "Intermediate",
    "durationHours": 6,
    "format": "Video",
    "price": 89,
    "rating": 4.6,
    "short": "Know your numbers before touring homes.",
    "description": "Explore affordability, down payments, mortgage types, and maintenance buffers. Build a calm, stepwise plan to avoid emotional overspend.",
    "tags": ["mortgage", "down payment", "maintenance"]
  },
  {
    "id": "c109",
    "title": "Family Finance Systems",
    "category": "Budgeting",
    "level": "Intermediate",
    "durationHours": 6,
    "format": "Live Cohort",
    "price": 129,
    "rating": 4.7,
    "short": "Shared budgets, allowances, and money meetings.",
    "description": "Coordinate a household budget with roles and rhythms. Includes scripts for money talks and templates for shared goals.",
    "tags": ["household", "communication", "templates"]
  },
  {
    "id": "c110",
    "title": "Freelance Cash Flow",
    "category": "Self-Employed",
    "level": "Intermediate",
    "durationHours": 7,
    "format": "Hybrid",
    "price": 119,
    "rating": 4.8,
    "short": "Seasonal income systems that smooth the ride.",
    "description": "Set aside taxes, handle irregular invoices, and create a reserve policy. Build a quarterly review cadence that brings calm to variable income.",
    "tags": ["invoices", "tax set-aside", "reserves"]
  },
  {
    "id": "c111",
    "title": "Fundamentals of ESG",
    "category": "Investing",
    "level": "Intermediate",
    "durationHours": 4,
    "format": "Text+Tools",
    "price": 49,
    "rating": 4.3,
    "short": "Explore values-aligned investing considerations.",
    "description": "Understand labels, measurement challenges, and portfolio integration options so choices reflect both values and diversification principles.",
    "tags": ["values", "screening", "funds"]
  },
  {
    "id": "c112",
    "title": "Behavioral Money Habits",
    "category": "Behavior",
    "level": "Beginner",
    "durationHours": 5,
    "format": "Video",
    "price": 59,
    "rating": 4.6,
    "short": "Design habits that survive busy weeks.",
    "description": "Use gentle friction, if–then plans, and environment cues to make your intended money actions more automatic.",
    "tags": ["habits", "behavior", "systems"]
  },
  {
    "id": "c113",
    "title": "College Savings Decisions",
    "category": "Education",
    "level": "Intermediate",
    "durationHours": 4,
    "format": "Video",
    "price": 55,
    "rating": 4.4,
    "short": "Trade-offs among 529s, cash flow, and scholarships.",
    "description": "Map timelines, account types, and realistic contribution ranges. Avoid overcommitting at the expense of retirement security.",
    "tags": ["529", "planning", "trade-offs"]
  },
  {
    "id": "c114",
    "title": "Taxes for Side Hustles",
    "category": "Self-Employed",
    "level": "Beginner",
    "durationHours": 4,
    "format": "Text+Tools",
    "price": 45,
    "rating": 4.5,
    "short": "Track income, deductions, and quarterly estimates.",
    "description": "Set up a lightweight bookkeeping routine, mileage and home office logs, and a simple estimate workflow.",
    "tags": ["bookkeeping", "deductions", "estimates"]
  },
  {
    "id": "c115",
    "title": "Emergency Fund Playbook",
    "category": "Safety",
    "level": "Beginner",
    "durationHours": 3,
    "format": "Video",
    "price": 35,
    "rating": 4.6,
    "short": "Plan, build, and protect your buffer.",
    "description": "Right-size your emergency fund and choose storage options that align with liquidity and risk preferences.",
    "tags": ["savings", "liquidity", "planning"]
  },
  {
    "id": "c116",
    "title": "Advanced Budget Architecture",
    "category": "Budgeting",
    "level": "Advanced",
    "durationHours": 8,
    "format": "Hybrid",
    "price": 139,
    "rating": 4.7,
    "short": "Multi-account flow and annual rollovers.",
    "description": "Engineer a multi-account budget with automation, sinking funds, and annual category resets for bigger goals.",
    "tags": ["automation", "sinking funds", "rollover"]
  },
  {
    "id": "c117",
    "title": "Retirement Withdrawals 101",
    "category": "Retirement",
    "level": "Advanced",
    "durationHours": 6,
    "format": "Video",
    "price": 109,
    "rating": 4.5,
    "short": "Order of withdrawals, basic taxes, and guardrails.",
    "description": "Lay a foundation for sequencing withdrawals and understanding how taxes interact with your income sources in retirement.",
    "tags": ["withdrawals", "taxes", "guardrails"]
  },
  {
    "id": "c118",
    "title": "Car Purchase Playbook",
    "category": "Major Purchases",
    "level": "Beginner",
    "durationHours": 3,
    "format": "Text+Tools",
    "price": 29,
    "rating": 4.3,
    "short": "Budgeting and trade-offs for buying used or new.",
    "description": "Plan total cost of ownership, maintenance cushions, and negotiation prep without pressure tactics.",
    "tags": ["TCO", "negotiation", "maintenance"]
  },
  {
    "id": "c119",
    "title": "Couples & Money Conversations",
    "category": "Behavior",
    "level": "Intermediate",
    "durationHours": 5,
    "format": "Live Cohort",
    "price": 129,
    "rating": 4.6,
    "short": "Scripts, check-ins, and joint decision systems.",
    "description": "Create respectful, repeatable conversations that reduce friction and align spending with shared values.",
    "tags": ["communication", "values", "systems"]
  },
  {
    "id": "c120",
    "title": "Smart Giving",
    "category": "Planning",
    "level": "Beginner",
    "durationHours": 3,
    "format": "Video",
    "price": 35,
    "rating": 4.2,
    "short": "Plan charitable giving with intention.",
    "description": "Build a giving policy, evaluate organizations, and track donations for tax-time efficiency.",
    "tags": ["charity", "policy", "tracking"]
  },
  {
    "id": "c121",
    "title": "HSA & Health Costs",
    "category": "Protection",
    "level": "Intermediate",
    "durationHours": 4,
    "format": "Video",
    "price": 59,
    "rating": 4.4,
    "short": "Understand HSAs, FSAs, and out-of-pocket planning.",
    "description": "Learn the differences between accounts and how to plan for irregular health expenses through the year.",
    "tags": ["HSA", "FSA", "planning"]
  },
  {
    "id": "c122",
    "title": "Inflation & Your Plan",
    "category": "Planning",
    "level": "Intermediate",
    "durationHours": 4,
    "format": "Text+Tools",
    "price": 49,
    "rating": 4.3,
    "short": "Stress-test your budget under rising prices.",
    "description": "Model different inflation scenarios and adjust categories without panic moves.",
    "tags": ["scenarios", "modeling", "budget"]
  },
  {
    "id": "c123",
    "title": "Estate Planning Basics",
    "category": "Planning",
    "level": "Intermediate",
    "durationHours": 6,
    "format": "Video",
    "price": 99,
    "rating": 4.5,
    "short": "Documents, beneficiaries, and practical steps.",
    "description": "Learn the functions of wills, powers of attorney, and beneficiary designations. Educational overview; not legal advice.",
    "tags": ["beneficiaries", "documents", "overview"]
  },
  {
    "id": "c124",
    "title": "Investing Beyond Basics",
    "category": "Investing",
    "level": "Advanced",
    "durationHours": 9,
    "format": "Hybrid",
    "price": 159,
    "rating": 4.6,
    "short": "Risk, factor tilts, and global diversification.",
    "description": "Explore additional sources of portfolio risk and return, rebalancing bands, and implementation costs. Education only—no recommendations.",
    "tags": ["factors", "diversification", "rebalancing"]
  }
]