Personal Finance

Learn smart shopping tactics to save money with alternative shopping, sales, coupons, and student discounts, then use price matching, comparison shopping, and price per roll calculation to pick value.

Explore how credit cards work, from monthly statements to interest on unpaid balances. Learn why paying the minimum can increase debt and how credit score, convenience, rewards, and security matter.

Explore checking accounts as a daily use bank account for paying bills, withdrawing cash, and receiving paychecks by direct deposit, with a debit card linked to the account.

Learn budgeting by building monthly and yearly income and expense plans, apply the 50/20/30 rule, save, and avoid spending ahead of income while exploring later investing.

Learn how to build an emergency savings fund, consisting of three to six months of expenses, kept in a readily accessible account, separate from regular savings, for unexpected expenses.

Explore the federal progressive income tax, how tax brackets determine tax owed, and how deductions and credits support retirement planning and financial goals.

Learn why saving for retirement early matters by illustrating the time value of money and reviewing retirement options like traditional, Roth, and SEP IRAs, plus 401(k), HSA, and Social Security.

Learn investing basics, including account types (brokerage, IRAs, 401(k)s) and common investments (stocks, bonds, mutual funds, ETFs, real estate), plus risks, diversification, and early-start benefits.

Understand federal student loans, including subsidized, unsubsidized, and plus loans, and how they compare with private loans. Apply via Sasko, manage interest, grace periods, and public service forgiveness.

This personal finance course builds essential money management and investing skills, highlights the education gap in financial literacy, and teaches avoiding credit card debt and investing early.