[
    {
      "id": "budget-starter",
      "title": "Budgeting Starter: Build a Calm Money System",
      "category": "Budgeting",
      "level": "Beginner",
      "durationHours": 6,
      "price": 49,
      "rating": 4.7,
      "lessons": 24,
      "instructor": "Mila Hart",
      "description": "Design a simple, automated budget with priorities, buffers, and habit loops that actually stick.",
      "tags": ["budget", "automation", "habits"]
    },
    {
      "id": "debt-free-foundations",
      "title": "Debt-Free Foundations: Plan, Prioritize, Progress",
      "category": "Budgeting",
      "level": "Beginner",
      "durationHours": 5,
      "price": 59,
      "rating": 4.8,
      "lessons": 18,
      "instructor": "Rae Morgan",
      "description": "Create a realistic plan to pay down debt using interest-aware strategies without burnout.",
      "tags": ["debt", "interest", "repayment"]
    },
    {
      "id": "index-investing-basics",
      "title": "Index Investing Basics: Fees, Risk, and Allocation",
      "category": "Investing",
      "level": "Beginner",
      "durationHours": 7,
      "price": 79,
      "rating": 4.8,
      "lessons": 22,
      "instructor": "Jonas Leif",
      "description": "Understand index funds, diversification, and how to avoid common behavioral traps.",
      "tags": ["index funds", "risk", "allocation"]
    },
    {
      "id": "investing-intermediate",
      "title": "Investing Intermediate: Portfolio Construction",
      "category": "Investing",
      "level": "Intermediate",
      "durationHours": 9,
      "price": 119,
      "rating": 4.6,
      "lessons": 28,
      "instructor": "Jonas Leif",
      "description": "Translate goals into balanced portfolios with rebalancing rules and cost control.",
      "tags": ["portfolio", "rebalancing", "costs"]
    },
    {
      "id": "retirement-accounts-101",
      "title": "Retirement Accounts 101: IRAs and 401(k)s",
      "category": "Retirement",
      "level": "Beginner",
      "durationHours": 6,
      "price": 69,
      "rating": 4.7,
      "lessons": 20,
      "instructor": "Mila Hart",
      "description": "Learn account types, contribution rules, and how to prioritize tax-advantaged saving.",
      "tags": ["retirement", "ira", "401k"]
    },
    {
      "id": "taxes-essentials",
      "title": "Taxes Essentials: Plan the Year with Confidence",
      "category": "Taxes",
      "level": "Beginner",
      "durationHours": 5,
      "price": 89,
      "rating": 4.5,
      "lessons": 19,
      "instructor": "Rae Morgan",
      "description": "Understand deductions, credits, and basic planning to avoid surprises at filing time.",
      "tags": ["taxes", "deductions", "credits"]
    },
    {
      "id": "homebuying-mortgages",
      "title": "Homebuying and Mortgages: From Pre-Approval to Closing",
      "category": "Real Estate",
      "level": "Intermediate",
      "durationHours": 8,
      "price": 129,
      "rating": 4.6,
      "lessons": 26,
      "instructor": "Mila Hart",
      "description": "Navigate the homebuying journey, compare mortgages, and understand true long-term costs.",
      "tags": ["mortgage", "homebuying", "closing"]
    },
    {
      "id": "credit-score-resilience",
      "title": "Credit Score Resilience: Build and Protect",
      "category": "Credit",
      "level": "Beginner",
      "durationHours": 4,
      "price": 49,
      "rating": 4.7,
      "lessons": 16,
      "instructor": "Rae Morgan",
      "description": "Mechanics of credit scoring, healthy usage patterns, and how to recover after mistakes.",
      "tags": ["credit", "score", "recovery"]
    },
    {
      "id": "insurance-essentials",
      "title": "Insurance Essentials: Transfer Risk Wisely",
      "category": "Insurance",
      "level": "Beginner",
      "durationHours": 5,
      "price": 79,
      "rating": 4.6,
      "lessons": 18,
      "instructor": "Jonas Leif",
      "description": "Evaluate coverage types and limits; focus on high-severity risks and cost discipline.",
      "tags": ["insurance", "risk", "coverage"]
    },
    {
      "id": "emergency-fund-quickstart",
      "title": "Emergency Fund Quickstart",
      "category": "Budgeting",
      "level": "Beginner",
      "durationHours": 3,
      "price": 39,
      "rating": 4.7,
      "lessons": 12,
      "instructor": "Mila Hart",
      "description": "Practical steps to build a starter emergency buffer and keep it funded automatically.",
      "tags": ["emergency fund", "savings", "automation"]
    },
    {
      "id": "behavioral-finance",
      "title": "Behavioral Finance for Everyday Decisions",
      "category": "Investing",
      "level": "Intermediate",
      "durationHours": 6,
      "price": 109,
      "rating": 4.5,
      "lessons": 20,
      "instructor": "Jonas Leif",
      "description": "Biases and heuristics that influence spending, saving, and investing—plus mitigations.",
      "tags": ["behavioral", "bias", "heuristics"]
    },
    {
      "id": "retirement-decumulation",
      "title": "Retirement Decumulation: Withdrawal Strategies",
      "category": "Retirement",
      "level": "Advanced",
      "durationHours": 7,
      "price": 149,
      "rating": 4.4,
      "lessons": 22,
      "instructor": "Mila Hart",
      "description": "Understand sequence risk, withdrawal rules of thumb, and tax-aware drawdown options.",
      "tags": ["retirement", "withdrawal", "sequence risk"]
    },
    {
      "id": "freelance-taxes",
      "title": "Freelance Taxes and Quarterly Planning",
      "category": "Taxes",
      "level": "Intermediate",
      "durationHours": 5,
      "price": 99,
      "rating": 4.6,
      "lessons": 17,
      "instructor": "Rae Morgan",
      "description": "Estimate quarterly payments, track deductions, and stay organized year-round.",
      "tags": ["freelance", "quarterly tax", "records"]
    },
    {
      "id": "side-income-systems",
      "title": "Side Income Systems: From Idea to Execution",
      "category": "Careers",
      "level": "Beginner",
      "durationHours": 6,
      "price": 69,
      "rating": 4.6,
      "lessons": 21,
      "instructor": "Mila Hart",
      "description": "Choose realistic side-income paths, budget your time, and avoid common legal pitfalls.",
      "tags": ["side hustle", "planning", "execution"]
    },
    {
      "id": "college-financial-aid",
      "title": "College Planning and Financial Aid",
      "category": "Budgeting",
      "level": "Intermediate",
      "durationHours": 6,
      "price": 89,
      "rating": 4.5,
      "lessons": 19,
      "instructor": "Rae Morgan",
      "description": "Understand aid formulas, savings vehicles, and timelines to reduce long-term costs.",
      "tags": ["college", "aid", "529"]
    },
    {
      "id": "ethical-investing",
      "title": "Ethical and Sustainable Investing",
      "category": "Investing",
      "level": "Intermediate",
      "durationHours": 5,
      "price": 119,
      "rating": 4.3,
      "lessons": 18,
      "instructor": "Jonas Leif",
      "description": "Explore frameworks for values-aligned investing, data caveats, and cost trade-offs.",
      "tags": ["ESG", "sustainable", "values"]
    },
    {
      "id": "mortgage-refinance",
      "title": "Mortgage Refinance: Timing and Trade-offs",
      "category": "Real Estate",
      "level": "Intermediate",
      "durationHours": 4,
      "price": 79,
      "rating": 4.5,
      "lessons": 14,
      "instructor": "Mila Hart",
      "description": "Compare refinancing scenarios, closing costs, and break-even timelines with discipline.",
      "tags": ["refinance", "mortgage", "rates"]
    },
    {
      "id": "insurance-advanced",
      "title": "Insurance Advanced: Edge Cases and Exclusions",
      "category": "Insurance",
      "level": "Advanced",
      "durationHours": 6,
      "price": 139,
      "rating": 4.4,
      "lessons": 20,
      "instructor": "Jonas Leif",
      "description": "Deep dive into policy language, exclusions, and when to self-insure vs. transfer risk.",
      "tags": ["insurance", "exclusions", "self-insure"]
    },
    {
      "id": "credit-repair-ethics",
      "title": "Credit Repair Ethics and Best Practices",
      "category": "Credit",
      "level": "Intermediate",
      "durationHours": 4,
      "price": 69,
      "rating": 4.2,
      "lessons": 15,
      "instructor": "Rae Morgan",
      "description": "Your rights under credit laws, disputes, and legitimate ways to rebuild over time.",
      "tags": ["credit report", "rights", "disputes"]
    },
    {
      "id": "inflation-resilience",
      "title": "Inflation Resilience: Budgets and Pricing Power",
      "category": "Budgeting",
      "level": "Intermediate",
      "durationHours": 5,
      "price": 89,
      "rating": 4.5,
      "lessons": 17,
      "instructor": "Mila Hart",
      "description": "Adjust spending plans, renegotiate bills, and rethink buffers when prices move.",
      "tags": ["inflation", "budget", "negotiation"]
    },
    {
      "id": "risk-and-return-lab",
      "title": "Risk and Return Lab: Scenarios Workshop",
      "category": "Investing",
      "level": "Advanced",
      "durationHours": 7,
      "price": 159,
      "rating": 4.4,
      "lessons": 21,
      "instructor": "Jonas Leif",
      "description": "Hands-on exercises modeling allocation trade-offs and stress testing strategies.",
      "tags": ["risk", "scenarios", "allocation"]
    },
    {
      "id": "retirement-healthcare",
      "title": "Retirement and Healthcare Costs",
      "category": "Retirement",
      "level": "Intermediate",
      "durationHours": 6,
      "price": 129,
      "rating": 4.3,
      "lessons": 18,
      "instructor": "Mila Hart",
      "description": "Understand health-related expenses and how they shape retirement cash flows.",
      "tags": ["retirement", "healthcare", "planning"]
    },
    {
      "id": "tax-loss-harvesting",
      "title": "Tax-Loss Harvesting: Methods and Limits",
      "category": "Taxes",
      "level": "Advanced",
      "durationHours": 5,
      "price": 149,
      "rating": 4.2,
      "lessons": 16,
      "instructor": "Jonas Leif",
      "description": "Explore mechanics, wash sale rules, and realistic benefits in diversified portfolios.",
      "tags": ["taxes", "harvesting", "wash sale"]
    }
  ]