Merrick Learning Lab reader resources

WORKSHEET.md is a readable exercise; WORKSHEET.csv is the blank spreadsheet version. Open a copy locally and keep personal entries private. The site has no upload form.

All teaching_data files and debt_methods/data schedules are constructed teaching examples, not market history, observed returns or personal recommendations. Read the matching book for assumptions and interpretation.

No full books, private reports, vendor market records or account data are included. Existing source notices remain; no blanket software license is added.
