*1.Budgeting Basics(Required.)

Understanding income vs. expenses

Creating and maintaining budget

Tracking spending habits

*2.Saving and Emergency Funds(Required.)

Importnace of saving money

Setting up emergency fund

Different types of savings accounts

3.Understanding Credit

What is credit and credit scores

How credit affects your financial life

How to build and maintain good credit

Understanding credit reports and how to check them

4.Debt Management

Types of debt (credit card, student loans, mortgages, etc.)

Strategies for paying off debt

Avoiding bad debt and managing good debt

5.Banking Basics

How checking and savings accounts work

Choosing the right bank or credit union

Using online and mobile banking safely

6.Investing Fundamentals

Intro to stocks, bonds, and mutual funds

The power of compound interest

Retirement accounts (401k and IRA)

Risk vs. reward investing

7.Taxes and INcome

Basic understanding of income taxes

How taxes affect take-home pay

tax-advantaged account and deductions

8.Insurance and Risk Management

Types of insurance (health, auto, life, disability)

Why insurance is importnant

How to choose appropriate coverage

9.Financial Goal Setting

Short-term vs. Long-term goals

Planning for big purchases

Strategies for achieving financial goals

10.Consumer Protection and Financial Scams

Recognizing and avoiding scams

Understanding consumer rights

Safe online financial practices