Students will be introduced to three main fundamentals of personal finance: maintaining a budgeting, managing debt, and investing for the future. They will also be introduced to goal-setting. 

This lecture will go over the concepts of money in (income) versus money out (expenses) that comprise a monthly budget. 

Step-by-step overview of all the categories that comprise a monthly household budget. 

Practical tips and tricks on how to effectively optimize a personal budget by earning more and spending less in all the categories. 

This lectures provides an overview of the more common forms of debt that a person will encounter in their life: credit cards, loans, lines of credit, and mortgages. They will also understand the power and danger of compound interest. 

Students will receive guidance on how to deal with credit cards gain an understanding of the pitfalls of minimum payments. 

The concept of debt consolidation in introduced in this lecture, and how it can play a role in dealing with different types of borrowing like student or vehicle loans.

Lines of credit are discussed and how to approach them for debt consolidation or financial emergencies. 

Detailed review of mortgages and the different terms and jargon surrounding them. 

Students will receive a secret tip on how to pay off a mortgage early. 

Students explore funding a retirement through the concept of a "nest egg". 

A practical discussion of the different assets that help to comprise a retirement nest egg. 

Various income streams are explored like pensions, real estate, passive assets, etc. 

Exploration of the strategies and attitudes that are important for investing for retirement. 

Case study of our family who were able to retire before the age of 40 despite all the challenges we faced.