TD Academy

Crypto, stocks and personal finance, clearly explained

Evergreen guides with worked examples, plain-English answers and sources you can check. Learn how markets work before you put money in them.

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Plain-English crypto guides for beginners: how Bitcoin and Ethereum work, how to buy and store coins safely, what…

Stock market basics for beginners: how shares and exchanges work, how to open a brokerage account, why index…

Trading for beginners, explained honestly: how to read charts and indicators, how to size positions and set stop…

Personal finance basics in one place: how to budget, build an emergency fund, pay off debt, raise your…

What is fintech, and how does it affect your money? Guides to neobanks, buy now pay later, robo-advisors,…

A hardware wallet keeps your private keys on a dedicated device that signs offline; a software wallet keeps them in…

11 min read

ETFs trade all day on an exchange, while mutual funds price once a day at NAV. ETFs often have lower…

10 min read

A seed phrase is 12 or 24 words that encode your crypto wallet's master secret. Anyone with the words can…

9 min read

Fintech

Buy now, pay later splits a purchase into installments, often four interest-free payments over six weeks. The provider pays the…

9 min read

Ethereum

A layer 2 Ethereum network processes transactions off the main chain and posts data or proofs back to Ethereum, cutting…

11 min read

To pay off debt fast, stop new borrowing, pay extra each month and target one debt at a time: highest…

9 min read