Expand Your Financial Knowledge.
A practical, plain-language path to financial confidence.
Eight short modules that walk you through the foundations of personal finance — from understanding where you stand today to planning for the long term. Watch the videos, work through the companion PDFs, and skip ahead anytime.
Understanding Your Financial Foundation
Before making changes to your finances, you need a clear picture of where you stand. This module helps you build that picture using two simple measures: net worth and cash flow.
What you'll learn
- How to calculate your net worth (assets minus liabilities)
- The difference between positive and negative cash flow
- How to spot your biggest financial pressure points
- Why awareness — not perfection — is the first step
Questions to ask yourself
- Do I have a clear understanding of what I own and what I owe?
- Am I aware of where my money is going each month?
- Which area causes me the most financial stress right now?
Take action
- List your main assets and liabilities
- Estimate your monthly income and expenses
- Identify one area where you want more clarity
Building Stability First
A strong foundation makes everything else easier — saving, investing, long-term planning. This module focuses on the two pillars of stability: managing debt strategically and building emergency savings.
What you'll learn
- How to tell manageable debt from expensive debt
- Why high-interest balances delay every other financial goal
- A simple, prioritized strategy for paying down debt
- How to start an emergency fund — even with $25 a paycheck
Questions to ask yourself
- Do I know which of my debts have the highest interest rates?
- If an unexpected expense came up, how would I handle it today?
- Have I started building any form of emergency savings?
Take action
- Identify your highest-interest debt and focus extra payments there
- Set a small, realistic emergency-savings goal
- Automate a consistent contribution, even if it's small
Saving and Investing Basics
This is where your money begins to work for you over time, rather than simply covering current expenses. The habits you build now, even small ones, can have a meaningful impact years down the road.
What you'll learn
- What is a 401k? Retirement plan basics
- How much should you be saving?
- IRA, Taxable Investment Account, or all three?
Questions to ask yourself
- Am I contributing to my employer's retirement plan today?
- Am I receiving my full employer match?
- Do I know my current savings rate as a percentage of income?
- Am I saving consistently, even if the amount feels small?
- Have I considered opening an IRA for additional savings?
Take action
- Log in to your 401k and confirm your current contribution rate
- Check your plan documents for the employer match details
- Increase your contribution by 1 percent if you are able
- Research IRA options if you are not already contributing to one
Structuring Your Savings Strategy
Each account type serves a distinct purpose; the order in which you fund them matters, and the way each is taxed affects your long-term outcome. This module brings those three ideas together.
What you'll learn
- Different purposes for Emergency and retirement savings
- Prioritizing where your money goes
- Tax-deferred accounts or tax-free growth (Roth)
Questions to ask yourself
- Do I have emergency savings before I invest?
- Am I capturing my full employer match?
- Do I understand the difference between pre-tax and Roth contributions?
- Am I building savings across more than one type of account?
Take action
- Confirm you have at least a starter emergency fund in place
- Check that you are receiving your full employer match
- Review whether your contributions are pre-tax, Roth, or both
- Identify which step in the priority order you are currently on