The forgotten algebra you actually need
Quick test. a + b = c. Solve for a.
If you said a = c - b instantly, skip ahead. If you froze for half a second — welcome, you're at the right starting line. Most people think they forgot algebra. They didn't. They forgot the one move behind every equation rearrangement: do the same thing to both sides. That's the entire idea. Pictures help.
The seesaw picture
Imagine an old seesaw. On the left side: a + b. On the right: c. The seesaw is balanced — the equation says they weigh the same.
You want a alone on the left. So you take b off the left side. But the seesaw tips! Right side is heavier now. The fix: take b off the right side too. Same amount, both sides. Balance restored.
Now you read off the seesaw. Left: a. Right: c - b. So a = c - b. Done. That's it. Every equation rearrangement is this one move, repeated.
Multiplication has the same trick
Now: a × b = c. Solve for a. Same idea. a is multiplied by b. To peel off the b, divide both sides by b. Balance preserved.
Result: a = c / b. (Assuming b ≠ 0 — otherwise the seesaw doesn't have a right side to weigh on.)
So: plus comes off with minus, minus comes off with plus, multiply comes off with divide, divide comes off with multiply. Each move is the seesaw, balanced. That's it.
Why this is finance's foundation
Time Value of Money — the very first finance equation you'll meet in Track 2 — looks like this:
That's future value equals present value times one-plus-rate-to-the-n. Don't worry about the exponent yet — we'll get there in Track 1 lesson 5. But notice: this is the same shape as c = a × b, just with longer names.
What if you know FV and want PV? Same trick. Divide both sides by (1+r)^n:
Same seesaw. The names got longer; the move didn't.
Negative numbers — same idea, no panic
Subtraction is just adding a negative. a - b is a + (-b). So everything we said about plus also covers minus. No new rule. If you've ever stared at x - 7 = 12 and wondered what to do — just add 7 to both sides. Seesaw move, same as before. x = 19.
The takeaway
One picture. Whatever you do to one side, do to the other. Add, subtract, multiply, divide — all the same idea, applied symmetrically. The Greek letters and ratios coming up later are just longer names on the seesaw. The seesaw doesn't care.
If you can rearrange a + b = c, you can rearrange any finance equation we'll see. Which is most of them.
1974년에 '불변 초코파이'가 베스트프렌드 50원이랑 시소놀이를 했다. 2026년이 되어 의리의 초코파이가 다시 50원을 불렀다. 이제는 시소가 기울어 같이 못논다. 새 친구 500원이 올라타니 균형유지가 되어 같이 놀았다. 초코파이는 한결같았는데 반대편의 숫자가 바뀌었다. 금융 산수의 본질을 배운다. 시소의 중심을 잡아주는 숫자 '1'의 존재가 코어이다. 1 (기준점): 시소 위에 원래 있던 '초코파이 한 개' 내 원금(100%)을 지켜주는 든든한 뿌리 '1'이 버티고 있어야 그 위에 이자(r)가 올라타도 돈이 증발하지 않고 온전히 보존된다. PV: 1974년 내 주머니 속 50원 (시소의 시작점) r: 시소를 수평으로 맞추기 위해 1(원금) 옆에 붙은 성장 속도 n: 52년 동안 계단을 오르듯 탁탁 끊어지는 시간의 마디 (Number of periods) FV: 2026년 시소 위에서 1과 r이 힘을 합쳐 균형을 맞춘 500원