Financial Literacy Modules

A budget is a plan you write down to decide how you'll spend your money each month (consumer.gov). The lesson covers:

• A budget for pay that changes: plan the month on a month with no NIL deal, take the tax set-aside off deal money first, and save the extra (CFPB).
• Paying safely: a stolen credit card costs you at most $50 (Regulation Z, 12 CFR 1026.12(b)); a lost debit card, up to $50 if you report it within 2 business days (Regulation E, 12 CFR 1005.6); money sent on a payment app to the wrong person is hard to get back (FTC).
• Buying smart: total cost over time, price per unit, and whether a "was" price is real (FTC, NIST).
• How banks work: deposits are insured up to $250,000 per depositor, per insured bank, for each ownership category (FDIC), with the same $250,000 at credit unions (NCUA), and who regulates which bank.
• Saving when it is hard: pay yourself first, automatic transfers, and a starter emergency fund sized to your own situation (FDIC, CFPB).

Start the lesson →

Compounding, inflation, what stocks, bonds and funds are, risk, and the red flags of a scam. Start the lesson →

Savings accounts, investment accounts for minors, and how NIL pay for work can go into a Roth IRA. Start the lesson →

The scams that target young athletes, identity theft and credit freezes, how credit scores work, credit cards before 21, and what debt really costs. Start the lesson →

How insurance works, premiums and deductibles, health and car coverage in New York, renters and disability insurance, and savings as your own insurance. Start the lesson →