THE BARATELLI INSTITUTE · Mentoring at Scale
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Money Reality High School International Edition cover
MONEY REALITY · HIGH SCHOOL (INTERNATIONAL)

Money Reality — High School (International)

Same lessons. Every currency. Every country.

173 pages. The US edition’s architecture rebuilt so it travels. The intangibles framework, the compounding lessons, the Hidden Balance Sheet, the sales-and-rejection chapters apply universally. The tax-specific content (Roth, US-specific housing math) is replaced with the universal mechanism (tax-advantaged savings as it exists in the reader’s country; housing-creep math expressed as a ratio; currency-agnostic compounding tables). Built for the same student, anywhere.

14chapters
15activity-derived intangibles
+companion workbook

Who this book is for

Same readers as the US edition — parents, teachers, high-school students — outside the US. The compounding lessons are universal. The country-specific examples have been replaced with the underlying mechanism so the book travels: every currency, every country, the same compounding force, the same Hidden Balance Sheet.

Table of contents

14 chapters plus a companion workbook. Page counts approximate.

1The Most Powerful Force in Finance (compound interest)p1
2Your Hidden Balance Sheetp11
3Nominal vs. Real Returns (housing-creep ratio, car-creep)p23
4Tax-Advantaged Savings (the universal mechanism)p37
5Activity-Derived Intangibles: 15 Activities, Every Continentp51
6Sports as a Confidence-Building Enginep63
7Learning an Instrumentp71
8Social Media Skills + AI Skills (undertaught worldwide)p81
9Friend Groups & Alumni Networksp91
10Optimism & Confidence as Compounding Assetsp103
11Sales as an Undertaught Skill (worldwide)p115
12The Rejection Cascadep127
13When You’re On Your Own (universal pathway)p139
14The Bookend: Einstein, Compounding, and the Next 50 Yearsp153

What’s actually in the bundle

1. The book (PDF)

Same architecture as the US edition, currency-agnostic and country-agnostic.

2. The companion Excel workbook

Compound-interest drills using a generic currency unit. Housing-creep ratio (not US dollar amounts). Intangibles self-assessment.

3. Same lessons, anywhere

This is the book the student in São Paulo, Mumbai, Lagos, Manila, Warsaw, or Riyadh reads — with the same Hidden Balance Sheet, the same Einstein bookend, and the same Ken Griffin sales sidebar. View the US edition →

About the author

PB

Philip A. Baratelli, CPA, MBA — Founder, Baratelli Institute. Ponte Vedra Beach, Florida.

The Baratelli Institute is built for international use on day one.

12 Free Interactive Tools · The Money Reality Suite

Run your own numbers. No signup.

Each tool runs in the browser and produces a personalized result the reader can print or PDF. They’re the same models taught in the guide — available free so the suite works whether the reader buys the book or not.

Compound Interest, Visualized
The most powerful force in finance.
Hidden Balance Sheet
Inventory the intangibles you have built.
Roth as Tax-Free Lottery
Earned income now → tax-free at 65.
College vs Trade NPV
Both paths to retirement age.
Credit Card Trap
24.99% APR + minimums, visualized.
Emergency Fund Builder
Target by income stability, time-to-target.
Job Offer Comparator
Up to 3 offers on total comp + COL.
First Apartment Budget
Salary → net → rent verdict.
Student Loan Amortization
Federal vs private, IBR/SAVE/PAYE.
First Paycheck Walkdown
Gross → FICA → state → net.
401(k) Match Maximizer
The 50% guaranteed return nobody beats.
Side Hustle / 1099 Estimator
SE tax + quarterly estimates.
Tools use US tax rules. The math (compounding, intangibles, credit cards, paycheck structure) translates worldwide; the rate numbers do not.

Money Reality: The High School Edition (International)

$39 Single-user license · PDF + Excel workbook + AI prompt library
Buy on Gumroad → Email me at launch →

Want every guide always current + the Brief paid layer + Clarus + monthly office hours? See the Practitioner subscription ($649/yr Founding) →

Companion tools for Money Reality · High School Intro

Three free interactive tools at tools.baratelliinstitute.com to start before the textbook lands.

LAUNCH WAITLIST

Get the Money Reality HS Intl at $39.

Drop your email and you'll be first in line when the guide ships. launch pricing locks once you're on the list — even if all 50 sell out before you check the launch email. We send the launch announcement, the sample chapter PDF (the Hidden Balance Sheet walk-through (international)), and nothing else.