[
  {
    "id": 1,
    "title": "Budget Foundations: Build a System That Sticks",
    "category": "Budgeting",
    "level": "Beginner",
    "durationHours": 3,
    "price": 79,
    "rating": 4.7,
    "modules": 8,
    "summary": "Create a realistic budget with buckets, buffers, and review rituals that fit busy schedules.",
    "outcomes": ["Set up spending buckets", "Design a review ritual", "Track cash flow with confidence"],
    "tags": ["budget", "cash flow", "habits"]
  },
  {
    "id": 2,
    "title": "Debt Payoff Basics: Snowball vs. Avalanche",
    "category": "Debt",
    "level": "Beginner",
    "durationHours": 3,
    "price": 69,
    "rating": 4.6,
    "modules": 7,
    "summary": "Choose a payoff strategy and build momentum with simple decision rules.",
    "outcomes": ["Compare methods", "Prioritize accounts", "Automate payments"],
    "tags": ["debt", "snowball", "avalanche", "automation"]
  },
  {
    "id": 3,
    "title": "Emergency Funds and Risk Buffers",
    "category": "Planning",
    "level": "Beginner",
    "durationHours": 2,
    "price": 49,
    "rating": 4.5,
    "modules": 5,
    "summary": "Size and fund your emergency reserves without starving long-term goals.",
    "outcomes": ["Calculate reserve size", "Pick account types", "Stage funding goals"],
    "tags": ["emergency fund", "savings", "risk"]
  },
  {
    "id": 4,
    "title": "Investing Essentials: Index Funds and Allocation",
    "category": "Investing",
    "level": "Beginner",
    "durationHours": 4,
    "price": 99,
    "rating": 4.8,
    "modules": 9,
    "summary": "Understand diversification, risk, and low-cost strategies using index funds.",
    "outcomes": ["Select index funds", "Build target allocation", "Rebalance annually"],
    "tags": ["investing", "index funds", "diversification"]
  },
  {
    "id": 5,
    "title": "Intermediate Investing: Factor Tilts and Rebalancing",
    "category": "Investing",
    "level": "Intermediate",
    "durationHours": 5,
    "price": 119,
    "rating": 4.6,
    "modules": 10,
    "summary": "Explore factor tilts, glide paths, and disciplined rebalancing without speculation.",
    "outcomes": ["Evaluate factors", "Design glide paths", "Apply rebalancing bands"],
    "tags": ["asset allocation", "factors", "risk"]
  },
  {
    "id": 6,
    "title": "Retirement Accounts: 401(k), IRA, and Roth",
    "category": "Retirement",
    "level": "Beginner",
    "durationHours": 3,
    "price": 89,
    "rating": 4.7,
    "modules": 8,
    "summary": "How tax-advantaged accounts work and how to prioritize contributions.",
    "outcomes": ["Understand account types", "Set priorities", "Avoid common penalties"],
    "tags": ["retirement", "401k", "ira", "roth"]
  },
  {
    "id": 7,
    "title": "Tax Basics for Individuals",
    "category": "Taxes",
    "level": "Beginner",
    "durationHours": 3,
    "price": 79,
    "rating": 4.5,
    "modules": 7,
    "summary": "Learn how deductions, credits, and brackets work so you can plan better.",
    "outcomes": ["Identify credits", "Estimate brackets", "Prepare documents"],
    "tags": ["tax", "credits", "deductions"]
  },
  {
    "id": 8,
    "title": "Advanced Tax Planning: Timing and Harvesting",
    "category": "Taxes",
    "level": "Advanced",
    "durationHours": 5,
    "price": 139,
    "rating": 4.6,
    "modules": 9,
    "summary": "Timing income and capital gains, and using tax-loss harvesting responsibly.",
    "outcomes": ["Plan income timing", "Apply harvesting rules", "Avoid wash sales"],
    "tags": ["tax", "harvesting", "capital gains"]
  },
  {
    "id": 9,
    "title": "Insurance Essentials: Health, Auto, Home, Life",
    "category": "Insurance",
    "level": "Beginner",
    "durationHours": 3,
    "price": 69,
    "rating": 4.4,
    "modules": 6,
    "summary": "Understand coverage types, deductibles, and how to compare policies.",
    "outcomes": ["Read policies", "Compare coverage", "Right-size deductibles"],
    "tags": ["insurance", "risk", "coverage"]
  },
  {
    "id": 10,
    "title": "Credit Scores and Reports",
    "category": "Planning",
    "level": "Beginner",
    "durationHours": 2,
    "price": 49,
    "rating": 4.5,
    "modules": 5,
    "summary": "What makes up your credit score and how to build or repair it over time.",
    "outcomes": ["Read reports", "Dispute errors", "Build credit safely"],
    "tags": ["credit score", "report", "dispute"]
  },
  {
    "id": 11,
    "title": "Side Income and Self-Employment Basics",
    "category": "Planning",
    "level": "Intermediate",
    "durationHours": 4,
    "price": 109,
    "rating": 4.5,
    "modules": 8,
    "summary": "Set up simple bookkeeping, estimate taxes, and separate business finances.",
    "outcomes": ["Track income/expenses", "Estimate taxes", "Choose entity basics"],
    "tags": ["self-employment", "side gig", "bookkeeping"]
  },
  {
    "id": 12,
    "title": "Home Buying Readiness",
    "category": "Planning",
    "level": "Intermediate",
    "durationHours": 4,
    "price": 119,
    "rating": 4.4,
    "modules": 9,
    "summary": "Assess affordability, mortgages, and long-term tradeoffs before you buy.",
    "outcomes": ["Calculate affordability", "Compare mortgages", "Prepare documents"],
    "tags": ["home", "mortgage", "affordability"]
  },
  {
    "id": 13,
    "title": "College Savings and 529 Plans",
    "category": "Planning",
    "level": "Beginner",
    "durationHours": 3,
    "price": 79,
    "rating": 4.3,
    "modules": 6,
    "summary": "Plan for education costs using tax-advantaged accounts and realistic goals.",
    "outcomes": ["Understand 529s", "Set targets", "Automate funding"],
    "tags": ["college", "529", "education"]
  },
  {
    "id": 14,
    "title": "Behavioral Finance for Everyday Decisions",
    "category": "Planning",
    "level": "Intermediate",
    "durationHours": 3,
    "price": 89,
    "rating": 4.6,
    "modules": 7,
    "summary": "Design systems that reduce friction and protect decisions from biases.",
    "outcomes": ["Spot biases", "Create guardrails", "Use precommitments"],
    "tags": ["behavior", "bias", "habits"]
  },
  {
    "id": 15,
    "title": "Retirement Income Planning",
    "category": "Retirement",
    "level": "Advanced",
    "durationHours": 5,
    "price": 149,
    "rating": 4.7,
    "modules": 10,
    "summary": "Coordinate withdrawals, Social Security timing, and sequence risk management.",
    "outcomes": ["Build withdrawal plan", "Evaluate timing", "Manage sequence risk"],
    "tags": ["retirement", "withdrawals", "social security"]
  },
  {
    "id": 16,
    "title": "HSAs, FSAs, and Health Costs",
    "category": "Insurance",
    "level": "Intermediate",
    "durationHours": 3,
    "price": 89,
    "rating": 4.4,
    "modules": 7,
    "summary": "Compare medical accounts and plan for expected and surprise health costs.",
    "outcomes": ["Use HSAs/FSAs", "Forecast costs", "Maximize benefits"],
    "tags": ["health", "HSA", "FSA"]
  },
  {
    "id": 17,
    "title": "Taxes for Investors",
    "category": "Taxes",
    "level": "Intermediate",
    "durationHours": 4,
    "price": 119,
    "rating": 4.5,
    "modules": 8,
    "summary": "Understand capital gains, dividends, and account location to improve tax efficiency.",
    "outcomes": ["Categorize gains", "Use qualified dividends", "Apply asset location"],
    "tags": ["tax", "investing", "dividends"]
  },
  {
    "id": 18,
    "title": "Windfalls and One-Time Decisions",
    "category": "Planning",
    "level": "Advanced",
    "durationHours": 3,
    "price": 129,
    "rating": 4.4,
    "modules": 6,
    "summary": "A checklist for inheritances, bonuses, and liquidity events to avoid hasty moves.",
    "outcomes": ["Set guardrails", "Stage transfers", "Document decisions"],
    "tags": ["windfall", "inheritance", "bonus"]
  },
  {
    "id": 19,
    "title": "Protecting Your Identity and Credit",
    "category": "Planning",
    "level": "Beginner",
    "durationHours": 2,
    "price": 59,
    "rating": 4.5,
    "modules": 5,
    "summary": "Freeze, monitor, and respond to identity risks without panic.",
    "outcomes": ["Freeze credit", "Monitor reports", "Respond to breaches"],
    "tags": ["identity", "security", "credit"]
  },
  {
    "id": 20,
    "title": "Estate Planning Essentials",
    "category": "Planning",
    "level": "Intermediate",
    "durationHours": 4,
    "price": 129,
    "rating": 4.6,
    "modules": 8,
    "summary": "Wills, powers of attorney, beneficiaries, and organizing documents for loved ones.",
    "outcomes": ["Draft basics", "Name beneficiaries", "Organize records"],
    "tags": ["estate", "will", "beneficiary"]
  },
  {
    "id": 21,
    "title": "Advanced Budgeting: Sinking Funds and Seasonality",
    "category": "Budgeting",
    "level": "Intermediate",
    "durationHours": 3,
    "price": 89,
    "rating": 4.5,
    "modules": 7,
    "summary": "Plan for irregular expenses and avoid surprises with sinking funds and seasonality models.",
    "outcomes": ["Map seasonality", "Fund sinking categories", "Update glide ratios"],
    "tags": ["budgeting", "planning", "sinking funds"]
  },
  {
    "id": 22,
    "title": "Ethical Investing and ESG Trade-offs",
    "category": "Investing",
    "level": "Intermediate",
    "durationHours": 3,
    "price": 99,
    "rating": 4.2,
    "modules": 6,
    "summary": "Consider values, diversification, and tracking error when selecting ESG options.",
    "outcomes": ["Define constraints", "Measure tracking error", "Set expectations"],
    "tags": ["ESG", "values", "portfolio"]
  }
]