1. Foundations of Personal Finance
1.1. Introduction to Financial Literacy
1.1.1. Importance of Financial Literacy
1.1.2. Overview of Personal Finance
1.1.3. Setting Financial Goals
1.1.4. Budgeting and Financial Planning
1.2. Money Management
1.2.1. Budgeting Techniques (50/30/20 rule, Zero-based budgeting)
1.2.2. Creating and Managing a Personal Budget
1.2.3. Bank Accounts: Checking vs. Savings Accounts
1.2.4. Understanding Statements, Fees, and Online Banking
1.2.5. Emergency Funds
1.3. Saving and Investing
1.3.1. Difference Between Saving and Investing
1.3.2. Types of Savings Accounts (e.g., HIgh-Yield Savings Accounts, CDs)
1.3.3. Basic Investement Options: Stocks, Bonds, Mutual Funds, Real Estate, ETFs Alternatives (Crypto, Commodities, Collectibles)
1.3.4. Compound Interest and Time Value of Money
1.3.5. Introduction to Retirement Accounts (401(k), IRA, Roth IRA)
1.3.6. Risk vs. Return
2. Credit, Debt, and Consumer
2.1. Credit and Debt Management
2.1.1. Understanding Credit Scores and Reports
2.1.2. Types of Credit: Credit Cards, Loans, Mortages
2.1.3. How to Build and Maintain Good Credit
2.1.4. Debt Management Strategies
2.1.5. Dangers of Credit Card Debt and High-Interest Loans
2.1.6. Understanding APR, Interest Rates, and Minimum Payments
2.1.7. Student Loans: Types, Repayment Options, and Impacts
2.2. Taxes and Income
2.2.1. Understanding Different Sources of Income (Wages, Salaries, Investments)
2.2.2. Basics of Income Tax: Federal, State, and Local Taxes
2.2.3. How to Read a Pay Stub
2.2.4. Filing Taxes: Forms (W-2, 1099, etc.), Deductions, and Credits
2.2.5. Tax Planning and Preparation
2.3. Consumer Rights and Responsabilities
2.3.1. Understanding Contracts and Agreements
2.3.2. Consumer Protection Laws
2.3.3. Recognizing and Avoiding Scams and Frauds
2.3.4. Financial Scams and Identity Theft Protection
3. Planning for the Future
3.1. Insurance and Risk Management
3.1.1. Types of Insurance: Health, Auto, Life, Home/Renters, Disability
3.1.2. Understanding Premiums, Deductibles, and Coverage
3.1.3. Importance of Insurance in Financial Planning
3.1.4. Evaluating Insurance Needs
3.2. Budgeting for Major Life Events
3.2.1. Financial Planning for College, Car Purchase, and First Apartment
3.2.2. Saving for Big Expenses (Weddings, Buying a Home, Travel)
3.2.3. Planning for Future Family and Children
3.3. Retirement and Estate Planning
3.3.1. Long-Term Financial Planning
3.3.2. Basics of Estate Planning: Wills, Trusts, and Beneficiaries
3.3.3. Social Security and Pensions
3.3.4. Planning for Healthcare in Retirement