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How Money Works: How banks, debt, markets, and personal wealth fit together
Paperback
Series: In Twelve Evenings, Book 20
Investing & FinancePersonal Finance
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ISBN13: 9798175926324
Publisher: Independently Published
Published: Sep 20 2026
Pages: 252
Weight: 0.58
Height: 0.53 Width: 5.25 Depth: 8.00
Language: English
Publisher: Independently Published
Published: Sep 20 2026
Pages: 252
Weight: 0.58
Height: 0.53 Width: 5.25 Depth: 8.00
Language: English
How Money Works
How banks, debt, markets, and personal wealth fit together
Series In Twelve Evenings, Book 20
What Do I Already Know About This?
Vita Harwood
Test your knowledge! What happens to money after it reaches a bank account? Why can making a loan create a bank deposit? How is income different from capital? Why can the same 10,000 have very different purchasing power today and twenty years from now? And what really happens after you tap Buy in a brokerage app?
How banks, debt, markets, and personal wealth fit together
Series In Twelve Evenings, Book 20
What Do I Already Know About This?
Vita Harwood
Test your knowledge! What happens to money after it reaches a bank account? Why can making a loan create a bank deposit? How is income different from capital? Why can the same 10,000 have very different purchasing power today and twenty years from now? And what really happens after you tap Buy in a brokerage app?
Finance: How Money Works brings those questions into one clear system. A hypothetical 10,000 runs through the entire course. Each evening, readers look at it in a different form: cash, a bank deposit, debt, part of a personal balance sheet, a share, a bond, a fund holding, a currency, or a digital asset. The number stays familiar while the legal rights, risks, liquidity, and time horizon change.
Across 12 lessons, the book explains:
Across 12 lessons, the book explains:
- why societies use money and where its value comes from;
- how commercial banks and central banks work;
- what simple and compound interest actually do;
- how inflation changes real purchasing power;
- liquidity, net worth, cash flow, and financial reserves;
- how to read the cost and structure of debt;
- what sits behind an exchange, a broker, clearing, settlement, and custody;
- how shares, bonds, ETFs, and other funds differ;
- why volatility is not the same thing as risk;
- how currencies, Bitcoin, stablecoins, and self-custody fit into the wider financial picture.
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