Personal financial literacy and money management
Banking, budgeting, credit, taxes, insurance, investing and retirement. We work from the course your student is actually taking.
Florida · Online tutoring
Online finance tutoring for families in Coral Gables, Coconut Grove and Pinecrest.
Florida public high school students who entered ninth grade in 2023 to 2024 or later need a half credit in personal financial literacy and money management to graduate, so this year's seniors are the first class it applies to. I tutor that course, AP Business and college finance, one-on-one over Zoom.
Private 1-on-1 on Zoom · $250 / hour
Book a session
The courses
What we work on.
Bring your slides, problem sets, and your last midterm. We work from your actual course.
Funds, fees and the long run
Why a 1% fee costs far more than it sounds. Investing is the part of the course with the most math, and the part students use for the rest of their lives.
AP® Business with Personal Finance
College Board's newest AP course, with the first exam in May 2027. I tutor the subject whether or not your student's school offers the course yet.
Corporate finance over break
Students home from UM, UF, FSU or anywhere else often bring their hardest class with them. Break is the best time to fix it.
Local schools
Schools in and around Coral Gables and Pinecrest.
What a student studies in finance depends on the school and the state. Checked October 29, 2026.
- Coral Gables Senior High School Coral Gables
- Miami Palmetto Senior High School Pinecrest area, Miami
- Ransom Everglades School Coconut Grove
- Gulliver Preparatory School Miami
Half a credit, from the 2023 to 2024 freshmen
Florida requires a half credit in personal financial literacy and money management for public high school students who entered ninth grade in 2023 to 2024 or later. Private schools set their own requirements.
A few of the high schools families in the area attend, named for context only. Online Finance Tutor isn't affiliated with any of them. Your assigned M-DCPS school depends on your address.
What a 1% fee costs
Invest $10,000 for 30 years at a 7% return. With a 1% annual fee it grows to about $57,435. With a 0.1% fee it grows to about $74,017. The fee that looked tiny costs more than $16,000, which is why the investing unit spends so much time on cost.
Coral Gables and Pinecrest · Florida
Where students get stuck.
Fees that compound
A fee is charged on the whole balance every year, so it compounds just like returns do. Students rarely see that until they run the numbers.
Retirement accounts
401(k), IRA, Roth. The names blur together, and the course expects students to know when each one makes sense.
Insurance
Deductibles, premiums and coverage limits make little sense until you run a real scenario. We make the terms concrete.
For parents
Parents usually book. Your student joins on Zoom after school or on a weekend, with no drive on US-1. Send me the course, the school and what's giving your student trouble, and I'll tell you honestly whether I can help.
How a session works
Diagnosis first. Then the fix.
- 01
Before we meet
Send me what you're stuck on: a problem set, slides, your last midterm, a practice exam, last week's quiz.
- 02
On Zoom
You walk me through a problem out loud. It usually takes a few minutes to hear where the reasoning goes sideways. We fix that piece and rebuild from there, so you know why each step works.
- 03
Before we finish
The real test: a fresh problem with new numbers and different wording, the way a midterm would ask it, and you solve it yourself. I don't complete assignments or hand over answers. You leave able to do the work.
Your tutor
Studied it. Worked in it. Now I teach it.
I’m Chi Odogwu. I have a B.S. in Business with a finance specialization from Liberty University, earned summa cum laude in three years, and a Master’s in International Economics and Finance from Brandeis. I tutored IB students in grad school, did valuation and private equity consulting at PwC, taught MBA finance at Florida State, and spent three years as an adjunct professor teaching Business Finance.
Questions
Before you book.
Do you tutor in person in Coral Gables?
No. Every session is on Zoom, so there's no travel and scheduling fits around activities. We're on the same Eastern time zone.
Does the Florida requirement apply to private schools?
It covers public high school graduation. Private schools set their own courses, and I can help with those too.
Does my student's school offer AP Business with Personal Finance?
Ask the school. The course is brand new for 2026 to 2027 and each school decides whether to offer it. I tutor the subject either way, including students studying for the exam on their own.
Will tutoring get in the way of my student's teacher?
No. I work from the teacher's materials and never complete graded work, so sessions support the class instead of replacing it.
Is tutoring allowed under my school's honor code?
Tutoring on concepts and practice problems is generally fine, but policies on graded work vary by course. I don't complete graded assignments. Check your syllabus's collaboration policy, and if you're unsure, ask your professor.
Get started
Bring the problem you’re stuck on.
Tell me your course and what isn’t clicking. I’ll tell you honestly whether I can help.
Book your first sessionOnline Finance Tutor is independent. It isn't affiliated with or endorsed by any school named on this page. AP is a trademark registered by the College Board, which is not affiliated with, and does not endorse, this site.