General Financial Education Modules

Learning modules that provide comprehensive and detailed information on basic financial principles.




Title Overview

Budget Basics

Provides basic information on budgets and their purpose, how financial stress can affect our families, and how our attitudes and behavior affect our financial decisions.  It also provides guidance on how to create and maintain a budget.

Understanding Credit

Provides information on the purpose of credit, types of credit accounts, using credit and credit cards wisely, credit laws, interpreting credit reports and credit scores, and how to build a good credit history.

Managing Personal Debt

Provides information on types of debt, debt management and reduction strategies, borrower responsibilities, and major laws protecting borrowers.

Personal Loans

Provides basic information on personal loans and their purpose and parts.  It discusses how various factors can influence the terms of the loan, how interest is calculated, considerations for applying for a loan, and repaying a loan.  It also presents information on predatory and payday loans and legal protections for borrowers.

Money Behaviors

Provides information on how attitudes and habits are formed, money attitudes and habits, and descriptions and explanations of the six Money Behaviors that result. It includes a survey that can be used to determine a personal Money Behavior.

Investing Fundamentals

Provides basic information on how the time value of money, elements of money growth, saving vs. investing, equity investments including market indexes, bonds, stocks, mutual funds, index funds, and ETFs.  Includes a brief discussion of dollar cost averaging, asset allocation, and the Rule of 72.

Planning for Retirement

Provides basic information on developing retirement goals, determing life expectancy, determining retirement income required, retirement investment vehicles, Social Security, reverse mortgages, Rule of 200/300, inflation, retirement tax planning tips, developing a retirement budget, and replacing insurance benefits, including a summary of Medicare, and critical retrement dates.

Life Insurance

Provides basic information on reasons for having life insurance, the parties to a life insurance policy, reasons for covering a spouse and children, premiums and insurability, types of policies, riders, cancelling a policy, and military life insurance programs.

Developing a Financial Plan

Provides basic information on the need for and uses of a financial plan.  It includes recommendations for subjects that a financial plan should address including net worth, goals, budgets, credit and debt, saving, investing, retirement plans, tax planning, college planning, and estate planning.  It also discusses the advantages of working with a financial professional.