Checking out a copy of 'the intelligent investor' from your local library would fit all three criteria you mentioned. Buying at least one share of Berkshire Hat

Checking out a copy of 'the intelligent investor' from your local library would fit all three criteria you mentioned. Buying at least one share of Berkshire Hathaway comes with a lifetime subscription to Warren Buffet's shareholder letters, not quite free but certainly good value for money. But in general, I think the issue is that basic financial competence doesn't require a very sophisticated model, it just requires the emotional intelligence and self-discipline to stick to a robust one. That probably can be taught, but not a lot of schools exist for it.