Build wealth through real investing knowledge — not hype.
Nine core courses, 57 in-depth lessons, with ongoing updates while your membership is active. Built for action, not theory. $25/month — cancel any time.
Nine courses. One investor.
Everything you need to build, run, and protect a real portfolio. All included in your $25/mo membership.
Stocks 101
What a stock actually is, how to value one, and how to build a portfolio that compounds.
Bonds & Fixed Income
Treasury bonds, corporate bonds, yield curves, and the role bonds play in protecting capital.
Crypto Fundamentals
Bitcoin, Ethereum, custody, risk — what's real, what's noise, and how much (if any) belongs in a portfolio.
Precious Metals
Gold, silver, and the inflation hedge. Physical vs. paper. Why and when metals belong in your stack.
Real Estate Investing
Rental property, REITs, house hacking, and the leverage that turns real estate into wealth.
Living Off Dividends
The full income system — building a portfolio that pays you monthly, and knowing when the income is safe to live on.
Portfolio Structures & Model Allocations
How real portfolios are assembled — core and satellite, model allocations, and rebalancing without guesswork.
Sector Investing & Rotation
Investing across the sectors of the market, and how capital rotates between them through a cycle.
Master Investor Program
The frameworks of Buffett, Graham, Munger, Lynch and Marks, taken from the original sources. Intrinsic value, economic moats, owner earnings, market cycles and the 13F study.
See your money compound.
Project what a dividend portfolio could become — with reinvestment, dividend growth, and ongoing contributions. This is the kind of thinking we teach inside the Academy.
Everything. One Price.
Three levels. One summit.
Every member climbs the same mountain. First you learn the language of money. Then you turn that knowledge into income. The summit is where you study the exact frameworks of history's greatest investors — all included in your membership.
Learn the Game
Stocks, bonds, crypto, metals, real estate. You built the foundation most people never bother to lay.
Build the Machine
Dividend income, portfolio structures, sector investing. You turned lessons into a working portfolio.
Master the Craft
Now you think like the owners, not the crowd. Graham's math. Buffett's discipline. Munger's mental models. This is the highest level of the Academy.
You've made it to the top tier.
From 1965 to 2023, Berkshire Hathaway compounded at roughly 20% per year — about double the S&P 500's total return over the same period. That record wasn't luck. It was a repeatable framework: buy wonderful businesses below their intrinsic value and hold them with discipline. The Master Investor Program teaches that framework, lesson by lesson, from the original sources — Graham's texts, Buffett's shareholder letters, Munger's talks, Lynch's books, and Marks' memos.
The Master Investor Program — 10 Lessons
The Margin of Safety
Benjamin Graham's central idea: only buy when price sits well below your estimate of intrinsic value, so being roughly wrong still leaves you safe.
Mr. Market & Investor Psychology
Graham's famous allegory: the market is a moody business partner quoting you prices daily. You're free to ignore him — his mood is your opportunity, never your guide.
Intrinsic Value & Discounted Cash Flow
A business is worth the cash it will produce over its life, discounted to today. Build a DCF by hand, choose discount rates, and learn why conservative inputs beat precise ones.
Owner Earnings — Buffett's Yardstick
Reported net income isn't what an owner actually keeps. Buffett's "owner earnings": net income, plus depreciation & amortization, minus the capital spending needed to maintain the business.
Economic Moats
Durable competitive advantages that protect profits: brands and intangibles, switching costs, network effects, and cost advantages. Learn to spot a real moat vs. a temporary edge.
Circle of Competence & Mental Models
Munger's discipline: know the edge of what you truly understand and stay inside it. Use inversion — "invert, always invert" — to avoid the errors that destroy compounding.
Growth at a Reasonable Price — the Lynch Method
Peter Lynch averaged roughly 29% a year running Fidelity Magellan (1977–1990). Learn his PEG ratio, his six stock categories, and why "invest in what you know" is a starting point — not the whole job.
Market Cycles & Second-Level Thinking
Howard Marks on why cycles never die and consensus is priced in. First-level thinking says "it's a good company, buy it." Second-level thinking asks what the crowd already believes — and where it's wrong.
Capital Allocation, Buybacks & Float
What great CEOs do with each dollar of profit: reinvest, acquire, buy back stock, or pay dividends — and how Berkshire's insurance float became an engine of compounding.
Capstone: The 13F Deep Dive & Master Exam
Read real quarterly 13F filings of super-investors, reverse-engineer one holding with a full valuation write-up, and sit the Master Investor exam.
The Margin of Safety
The one idea everything else rests on
Benjamin Graham — Warren Buffett's professor at Columbia and his first employer on Wall Street — argued that the entire discipline of investing reduces to one move: estimate what a business is worth, then refuse to pay anything close to that number. The gap between price and value is your margin of safety. It is not a way to earn more. It is a way to survive being wrong — and every investor is wrong regularly.
Price is not value
Buffett compressed the idea into eight words in his 2008 shareholder letter: "Price is what you pay; value is what you get." The stock market quotes you a price every second. Value changes far more slowly — it's driven by the cash the business will generate over its lifetime. The elite investor's job is to act only when the quoted price falls meaningfully below a conservative estimate of that value.
Why the margin must be wide
Your valuation will be imprecise. The future will surprise you. Management will disappoint you. A wide margin of safety — historically, value investors have looked for discounts of roughly one-third or more to estimated intrinsic value — means that even if your estimate is 20% too optimistic, you still bought below what the business is worth. This is the engine behind Buffett's two famous rules: "Rule No. 1: never lose money. Rule No. 2: never forget Rule No. 1."
You estimate a business's intrinsic value at $100 per share using owner earnings and a conservative discount rate. A one-third margin of safety means your maximum buy price is about $67. If the stock trades at $95 — even though it's "below value" — you pass. If a market panic drops it to $60, your homework lets you act decisively while the crowd flees. The margin of safety converts volatility from a threat into your greatest ally.
What this lesson changes about your behavior
You stop asking "will this stock go up?" and start asking "what is this business worth, and how far below that number can I buy it?" That single shift in the question is the difference between speculating and investing — and it is the foundation for every lesson that follows in this program.
Prove Your Mastery
Five questions. Answer all, then grade yourself. The pass mark is 60% or higher.
Mentorship
The Academy teaches the frameworks. Mentorship is where we apply them to your situation, one to one.
For Mentorship — Email Me
Tell me where you are, what you are working toward, and what is in your way. I read every message myself.
Mentorship is arranged separately and is not included in the $25/mo membership. Educational guidance only — not investment, legal, or tax advice.
The AI-SC Investing Partner Program
Two doors, one building. The course door is the main entrance — and you walk through it first.
Member
$25/month. Nine courses, 57 in-depth lessons. This is the product.
Most people join for this reason and nothing else — and that is completely fine. You will never be pushed to promote anything.
Partner
Free. An optional add-on for members who also want to earn.
There is no fee to join the Partner Program. Your membership is for the courses — it is what you would pay to be here anyway.
CLICK HERE TO GET STARTED →How It Works
Join the Academy
$25/month, nine courses. Stop here if that is all you want.
Apply to Partner
Free and separate. Every application is reviewed within two business days.
CLICK HERE TO GET STARTED →Share Your Partner ID
Once approved you receive your own Partner ID. Whoever you refer types it into the checkout box marked “Who referred you?” — that is what credits the sale to you.
flat, one time, for every qualifying new member you refer
A referral qualifies when the person you referred has made their second monthly payment — about thirty days in. We only pay on members who stay. Commissions are paid on the 15th of the month after they are earned. It is a one-time commission, not a recurring one, and it is never a percentage.
Who Can Become a Partner
You must be an active AI-SC Investing member. Partner status requires a current $25/month membership — to join, to stay, and to be paid. You promote what you actually use.
No quotas. No minimums. No pressure. Refer at your own pace. We do not remove partners for a slow month.
Not approved? Nothing changes. You keep your membership and all nine courses. Partner approval is separate from being a customer.
Before you apply — which are you?
Partner status requires an active AI-SC Investing membership. Pick the one that fits.
You have an active $25/mo membership. You can apply now.
Start your membership first — nine courses, $25/mo. Then come back and apply.
Applications from non-members are held, not declined. Join at any time, reply to our email, and we pick your application straight back up.
AI-SC Investing is educational content, not investment advice. We make no guarantee that any partner will earn any amount — what you earn depends entirely on how many qualifying members you refer, and many partners refer none. Partners are required to disclose that they earn a commission.
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