For Those Just Starting Their Journey

This course offers financial education for youth and young adults, empowering them with the knowledge necessary for effective financial management. Participants will engage with a range of topics aimed at establishing a solid financial foundation, including:

Financial Philosophy
Understanding how emotions and beliefs influence financial decisions and the importance of developing a healthy financial mindset.

Balance and Budgeting
Learning the fundamentals of managing finances, including identifying income, fixed and variable expenses, and the significance of savings.

Financial Planning and Goals
Exploring different types of financial goals—short-term, medium-term, and long-term—and how to create a plan to achieve them.

Money Management
Gaining insights into the financial system, including various types of bank accounts and practical strategies for effective money management.

Investments
Introduction to various types of investments, including stocks, ETFs, mutual funds, and bonds. Understanding the concept of risk tolerance and its relevance in investment decisions.

Building Credit Early
Overview of credit scores and their impact on personal finances. Introduction to strategies for establishing credit responsibly using various financial products. Understanding the importance of monitoring credit scores.

Student Loans and Education Financing
Overview of student loan options, including types and general borrowing processes. Understanding grants, scholarships, and financial aid available for education. Exploring the concepts of managing student debt and repayment structures.

Navigating First Job Finances
Overview of paychecks: understanding deductions, taxes, and take-home pay. Evaluating job offers with respect to compensation and benefits. Recognizing the role of employer-sponsored benefits, including retirement plans and health insurance.

Government Programs and Benefits
Overview of U.S. government programs that may provide support to young adults. Understanding how government policies can influence personal finances and the role of government benefits in financial planning.