Most people make the biggest money decisions of their lives — the car, the home, the loans, the degree — with no idea how the system underneath actually works. Basis Points fixes that, taught by a capital allocator who has spent 25 years studying exactly how money moves.
Taught by Ravi Chopra
Goldman Sachs · Samlyn Capital · Founder & CIO, Azora Capital · Dartmouth Economics
A few years ago I watched a table of business-school graduates — people from a top-twenty program — argue about which stocks would return twenty or thirty percent. A friend asked: what if I could guarantee you a fifty percent return? The table leaned in. His answer: pay off your credit card debt.
The room went quiet. It had never occurred to them. These weren’t careless people — they were carrying twenty-percent debt while chasing twenty-percent returns, because no one had ever taught them the rules. That gap is exactly what Basis Points exists to close.
See the curriculum →How every paycheck actually works — what’s taken, why, and what to do with what’s left.
How to make the three biggest decisions of your life — college, home, marriage — with clarity, not fear.
How the financial industry actually profits — and how to stop being on the wrong side of it.
How to put compounding to work for you, instead of letting it work against you.
The three things school skips, and the one idea that runs under every decision you’ll ever make.
No motivation, no filler. A framework, the math behind it, and a decision you can act on before you close the tab.
Why this decision matters more than you’ve been told.
The specific thing most people get wrong, named plainly.
One mental framework that cuts the chaos down to size.
Real numbers. Two people, one decision, opposite outcomes.
Exactly what to do, today.
The financial industry profits when you don’t understand it. Basis Points exists to close that gap — taught the way you’d teach your own kids.
Twenty-five years inside financial services — analyst at Goldman Sachs, Partner & Sector Head of U.S. Financial Services at Samlyn Capital (~$500M), today Founder & CIO of Azora Capital. Dartmouth Economics. He isn’t selling trades — he’s handing over the pattern recognition that reading balance sheets for a living actually buys.
The other half of how money decisions really get made. Where Ravi is the capital allocator, Allison is the operator — the voice that asks the question you’d ask, pushes back on the math, and grounds the abstract in the daily reality of running a household and raising a family.
Short, sharp pieces on the money decisions that quietly cost people the most.
The whole curriculum is built to be understood the first time and re-watched for life. Begin with the Introduction and work forward.
Start the course →