[
    {
      "id": "c-bud-001",
      "title": "Budgeting Foundations: A Calm Start",
      "category": "Budgeting",
      "level": "Beginner",
      "durationHours": 6,
      "format": "Self-paced",
      "price": 59,
      "rating": 4.7,
      "short": "Create a simple budget you can actually follow, with stress-aware check-ins.",
      "outcomes": ["Track essentials kindly", "Plan irregular expenses", "Build a starter emergency fund"],
      "topics": ["cash flow", "envelopes", "zero-based method", "buffers"],
      "prerequisites": "None",
      "teacher": "Maya Chen"
    },
    {
      "id": "c-bud-002",
      "title": "Debt Clarity: Map, Prioritize, and Pay Down",
      "category": "Budgeting",
      "level": "Beginner",
      "durationHours": 5,
      "format": "Workshop",
      "price": 49,
      "rating": 4.6,
      "short": "Understand interest, fees, and payoff methods without shame or overwhelm.",
      "outcomes": ["List debts clearly", "Choose snowball or avalanche", "Negotiate kinder terms"],
      "topics": ["interest rates", "repayment plans", "credit reports"],
      "prerequisites": "Basic budgeting comfort",
      "teacher": "Amina Patel"
    },
    {
      "id": "c-bud-003",
      "title": "Sinking Funds and Seasonality",
      "category": "Budgeting",
      "level": "Intermediate",
      "durationHours": 4,
      "format": "Webinar",
      "price": 39,
      "rating": 4.5,
      "short": "Plan for holidays, travel, and school seasons without derailing your budget.",
      "outcomes": ["Create category funds", "Automate savings", "Review quarterly"],
      "topics": ["seasonal planning", "automation", "bank features"],
      "prerequisites": "Budgeting Foundations or equivalent",
      "teacher": "Evan Brooks"
    },
    {
      "id": "c-inv-001",
      "title": "Investing Basics: Index Funds Made Friendly",
      "category": "Investing",
      "level": "Beginner",
      "durationHours": 7,
      "format": "Self-paced",
      "price": 79,
      "rating": 4.8,
      "short": "Demystify risk, fees, and diversification with real-world, low-stress examples.",
      "outcomes": ["Understand index funds", "Read expense ratios", "Match risk to timeline"],
      "topics": ["diversification", "asset allocation", "risk tolerance"],
      "prerequisites": "Comfort with budgeting and savings",
      "teacher": "Luis Ortega"
    },
    {
      "id": "c-inv-002",
      "title": "Retirement Accounts 101",
      "category": "Investing",
      "level": "Beginner",
      "durationHours": 5,
      "format": "Webinar",
      "price": 55,
      "rating": 4.6,
      "short": "IRAs, 401(k)s, and contribution basics explained clearly with no buzzwords.",
      "outcomes": ["Compare account types", "Choose contribution order", "Spot common fees"],
      "topics": ["tax-advantaged accounts", "matches", "rollovers"],
      "prerequisites": "Investing Basics recommended",
      "teacher": "Luis Ortega"
    },
    {
      "id": "c-inv-003",
      "title": "Risk and Rebalancing: Stay the Course",
      "category": "Investing",
      "level": "Intermediate",
      "durationHours": 6,
      "format": "Cohort",
      "price": 99,
      "rating": 4.7,
      "short": "Practice setting allocations and rebalancing calmly through market swings.",
      "outcomes": ["Define IPS", "Set bands", "Automate rebalancing"],
      "topics": ["policy statements", "band rebalancing", "behavioral traps"],
      "prerequisites": "Investing Basics",
      "teacher": "Luis Ortega"
    },
    {
      "id": "c-eco-001",
      "title": "Everyday Economics: Prices, Jobs, and Choices",
      "category": "Economics Basics",
      "level": "Beginner",
      "durationHours": 6,
      "format": "Self-paced",
      "price": 49,
      "rating": 4.6,
      "short": "Micro and macro concepts made tangible with household examples.",
      "outcomes": ["Opportunity cost", "Inflation basics", "Supply-demand intuition"],
      "topics": ["trade-offs", "CPI", "wages", "markets"],
      "prerequisites": "None",
      "teacher": "Maya Chen"
    },
    {
      "id": "c-eco-002",
      "title": "Inflation and Your Household Plan",
      "category": "Economics Basics",
      "level": "Intermediate",
      "durationHours": 4,
      "format": "Workshop",
      "price": 45,
      "rating": 4.5,
      "short": "Learn to adjust categories and expectations responsibly during inflation.",
      "outcomes": ["Track CPI impact", "Adjust categories", "Avoid panic changes"],
      "topics": ["price levels", "substitution", "expectations"],
      "prerequisites": "Everyday Economics or equivalent",
      "teacher": "Maya Chen"
    },
    {
      "id": "c-eco-003",
      "title": "Understanding Interest Rates",
      "category": "Economics Basics",
      "level": "Intermediate",
      "durationHours": 5,
      "format": "Webinar",
      "price": 39,
      "rating": 4.5,
      "short": "Rates, central banks, and how borrowing costs ripple into daily life.",
      "outcomes": ["Rate basics", "Loan impacts", "Saving decisions"],
      "topics": ["monetary policy", "term structure", "APRs"],
      "prerequisites": "Everyday Economics",
      "teacher": "Luis Ortega"
    },
    {
      "id": "c-bfi-001",
      "title": "Money Mindset: Behavioral Foundations",
      "category": "Behavioral Finance",
      "level": "Beginner",
      "durationHours": 5,
      "format": "Self-paced",
      "price": 55,
      "rating": 4.7,
      "short": "Understand biases and set up simple guardrails for calmer choices.",
      "outcomes": ["Spot common biases", "Create friction wisely", "Use cues and checklists"],
      "topics": ["loss aversion", "present bias", "defaults"],
      "prerequisites": "None",
      "teacher": "Amina Patel"
    },
    {
      "id": "c-bfi-002",
      "title": "Habit Systems for Saving",
      "category": "Behavioral Finance",
      "level": "Intermediate",
      "durationHours": 4,
      "format": "Workshop",
      "price": 45,
      "rating": 4.6,
      "short": "Design gentle systems that make saving the default outcome.",
      "outcomes": ["Automate deposits", "Reframe goals", "Reset after setbacks"],
      "topics": ["habit loops", "automation", "relapse planning"],
      "prerequisites": "Money Mindset",
      "teacher": "Amina Patel"
    },
    {
      "id": "c-bfi-003",
      "title": "Decision Checklists for Big Purchases",
      "category": "Behavioral Finance",
      "level": "Intermediate",
      "durationHours": 3,
      "format": "Webinar",
      "price": 29,
      "rating": 4.4,
      "short": "Build a calm, step-by-step checklist to evaluate major buys.",
      "outcomes": ["Define criteria", "Compare options", "Sleep-on-it rule"],
      "topics": ["heuristics", "choice architecture"],
      "prerequisites": "None",
      "teacher": "Maya Chen"
    },
    {
      "id": "c-fam-001",
      "title": "Family Finance: Shared Plans",
      "category": "Family Finance",
      "level": "Beginner",
      "durationHours": 5,
      "format": "Self-paced",
      "price": 49,
      "rating": 4.6,
      "short": "Coordinate spending and saving as a household with gentle communication.",
      "outcomes": ["Host money talks", "Split roles fairly", "Align on goals"],
      "topics": ["household budgets", "communication", "values"],
      "prerequisites": "Budgeting Foundations",
      "teacher": "Evan Brooks"
    },
    {
      "id": "c-fam-002",
      "title": "Teaching Kids About Money",
      "category": "Family Finance",
      "level": "Beginner",
      "durationHours": 4,
      "format": "Workshop",
      "price": 39,
      "rating": 4.5,
      "short": "Age-appropriate ways to introduce saving, earning, and generosity.",
      "outcomes": ["Chore systems", "Allowance options", "Goal jars"],
      "topics": ["financial literacy for kids", "allowances", "games"],
      "prerequisites": "None",
      "teacher": "Maya Chen"
    },
    {
      "id": "c-ent-001",
      "title": "Side Income Basics: Low-Risk Starts",
      "category": "Entrepreneurship",
      "level": "Beginner",
      "durationHours": 6,
      "format": "Self-paced",
      "price": 69,
      "rating": 4.5,
      "short": "Test ideas, track costs, and keep taxes tidy without overextending.",
      "outcomes": ["Validate ideas", "Simple bookkeeping", "Understand taxes"],
      "topics": ["lean validation", "cash tracking", "tax forms"],
      "prerequisites": "Budgeting Foundations",
      "teacher": "Evan Brooks"
    },
    {
      "id": "c-ent-002",
      "title": "Freelance Finance Toolkit",
      "category": "Entrepreneurship",
      "level": "Intermediate",
      "durationHours": 5,
      "format": "Webinar",
      "price": 49,
      "rating": 4.5,
      "short": "Price your work kindly, set buffers, and plan for slow months.",
      "outcomes": ["Set rates", "Plan taxes", "Create buffers"],
      "topics": ["pricing", "quarterly estimates", "cash runway"],
      "prerequisites": "Side Income Basics or equivalent",
      "teacher": "Luis Ortega"
    },
    {
      "id": "c-bud-004",
      "title": "Groceries and Meal Planning on a Budget",
      "category": "Budgeting",
      "level": "Beginner",
      "durationHours": 3,
      "format": "Self-paced",
      "price": 25,
      "rating": 4.4,
      "short": "Plan meals and reduce waste while keeping nutrition and comfort in mind.",
      "outcomes": ["Plan weekly menus", "Use pantry lists", "Reduce waste kindly"],
      "topics": ["meal planning", "pantry", "bulk buys"],
      "prerequisites": "None",
      "teacher": "Maya Chen"
    },
    {
      "id": "c-inv-004",
      "title": "Bonds and Interest for Beginners",
      "category": "Investing",
      "level": "Beginner",
      "durationHours": 4,
      "format": "Self-paced",
      "price": 45,
      "rating": 4.5,
      "short": "Understand how bonds work, yields, and when they fit a plan.",
      "outcomes": ["Bond basics", "Yield vs. price", "Role in portfolios"],
      "topics": ["fixed income", "duration", "risk"],
      "prerequisites": "Everyday Economics helpful",
      "teacher": "Luis Ortega"
    },
    {
      "id": "c-eco-004",
      "title": "Reading Economic News Without Anxiety",
      "category": "Economics Basics",
      "level": "Intermediate",
      "durationHours": 4,
      "format": "Workshop",
      "price": 39,
      "rating": 4.6,
      "short": "Build a calm filter for headlines so you can stick to your plan.",
      "outcomes": ["Identify noise", "Find key indicators", "Decide calmly"],
      "topics": ["media literacy", "indicators", "bias"],
      "prerequisites": "Everyday Economics",
      "teacher": "Amina Patel"
    },
    {
      "id": "c-bfi-004",
      "title": "Financial Boundaries and Generosity",
      "category": "Behavioral Finance",
      "level": "Advanced",
      "durationHours": 5,
      "format": "Cohort",
      "price": 109,
      "rating": 4.6,
      "short": "Practice saying yes and no to money requests with empathy and structure.",
      "outcomes": ["Define limits", "Scripts for asks", "Align giving with values"],
      "topics": ["boundaries", "negotiation", "values"],
      "prerequisites": "Money Mindset",
      "teacher": "Amina Patel"
    },
    {
      "id": "c-ent-003",
      "title": "From Idea to First Customer",
      "category": "Entrepreneurship",
      "level": "Advanced",
      "durationHours": 7,
      "format": "Cohort",
      "price": 129,
      "rating": 4.7,
      "short": "Turn a calm plan into your first sale using ethical, low-pressure methods.",
      "outcomes": ["Define offer", "Test channels", "Track unit economics"],
      "topics": ["MVPs", "pricing", "conversion basics"],
      "prerequisites": "Freelance Finance Toolkit",
      "teacher": "Evan Brooks"
    },
    {
      "id": "c-fam-003",
      "title": "Couples and Money: A Shared Playbook",
      "category": "Family Finance",
      "level": "Intermediate",
      "durationHours": 5,
      "format": "Workshop",
      "price": 49,
      "rating": 4.6,
      "short": "Build a plan that respects both voices, with regular check-ins.",
      "outcomes": ["Create a playbook", "Use money dates", "Resolve tensions kindly"],
      "topics": ["communication", "conflict resolution", "values"],
      "prerequisites": "Family Finance: Shared Plans",
      "teacher": "Maya Chen"
    },
    {
      "id": "c-inv-005",
      "title": "Tax Basics for Everyday Investors",
      "category": "Investing",
      "level": "Intermediate",
      "durationHours": 5,
      "format": "Webinar",
      "price": 55,
      "rating": 4.5,
      "short": "Learn the essentials of taxes related to investing without diving into complex rules.",
      "outcomes": ["Know what to track", "Use tax-advantaged accounts", "Avoid common mistakes"],
      "topics": ["capital gains", "dividends", "tax lots"],
      "prerequisites": "Investing Basics",
      "teacher": "Luis Ortega"
    },
    {
      "id": "c-bud-005",
      "title": "Emergency Funds: Build Calm Resilience",
      "category": "Budgeting",
      "level": "Beginner",
      "durationHours": 3,
      "format": "Self-paced",
      "price": 29,
      "rating": 4.6,
      "short": "Start small, protect essentials, and grow your safety net over time.",
      "outcomes": ["Set target", "Automate contributions", "Choose account type"],
      "topics": ["savings accounts", "automations", "risk management"],
      "prerequisites": "None",
      "teacher": "Maya Chen"
    }
  ]