Shockterminal

Financial Literacy That Actually Makes Sense

Most financial education feels abstract. Ours doesn't. We walk through real scenarios facing Thai businesses and families in 2025—teaching you how to build genuine stability instead of chasing trends.

Start Your Journey
Financial planning session with detailed analysis documents

Why This Matters Now

Markets shift. Regulations change. But solid financial principles hold steady.

Built Around How People Actually Learn

I've watched too many programs throw charts and theories at people without context. That doesn't work. Our approach starts with your current situation—maybe you're managing cash flow month to month, or maybe you're planning for growth but unsure about risk exposure.

We break down stability analysis into steps you can follow. Not generic advice from textbooks written in another decade—practical methods suited to what businesses and individuals face right now in Thailand's economy.

Our September 2025 cohort focuses on cash reserve planning, expense auditing, and building buffers that actually protect you when things go sideways. And yeah, things do go sideways sometimes.

What You'll Learn Over Six Months

Starting November 2025, we cover the fundamentals that keep businesses alive during tough stretches.

Core Stability Concepts

Understanding where money flows and where it leaks.

  • Income tracking methods that reveal patterns
  • Expense categorization without complexity
  • Cash flow forecasting basics
  • Emergency reserve structuring

Risk Assessment Frameworks

Spotting vulnerabilities before they become crises.

  • Identifying exposure points in operations
  • Scenario planning exercises
  • Building contingency strategies
  • Evaluating insurance needs realistically

Decision-Making Tools

Making choices with incomplete information.

  • Cost-benefit analysis that's practical
  • Prioritization when resources are tight
  • Timing major financial moves
  • Avoiding common cognitive traps

Long-Term Planning

Thinking past next quarter without fantasy projections.

  • Setting achievable milestones
  • Adjusting plans as conditions change
  • Balancing growth with stability
  • Building sustainable habits

Regulatory Context

Navigating compliance without panic or confusion.

  • Thai financial regulations overview
  • Documentation standards
  • Common audit triggers
  • Working with accountants effectively

Real Case Analysis

Learning from situations similar to yours.

  • Anonymized business case studies
  • What worked and what failed
  • Applying lessons to your context
  • Group discussion sessions

Who's Teaching This

We're not academic theorists. Each instructor has spent years working directly with Thai businesses and families—helping them survive downturns, plan expansions, and avoid expensive mistakes. They've seen what works when pressure hits.

Kieran Walsh financial analyst portrait

Kieran Walsh

Lead Instructor

Spent twelve years advising SMEs in Ratchaburi and Bangkok. Kieran focuses on practical cash flow management and has guided over forty businesses through financial restructuring when markets shifted.

Freja Andersen risk management specialist portrait

Freja Andersen

Risk Analysis

Works with family-owned enterprises on identifying vulnerabilities before they escalate. Freja's background includes operational finance and crisis planning—she knows where things break down under stress.

Saoirse Bennett financial educator portrait

Saoirse Bennett

Planning Strategies

Specializes in long-term financial planning for individuals and small businesses. Saoirse teaches methods for setting realistic goals and adjusting plans when circumstances change unexpectedly.