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Financial Education Resources

In addition to complete courses, Financial Literacy 101 offers a financial education library with hundreds of articles, assessments, calculators, and videos.

This Week @ Financial Literacy 101 offers daily articles on a new financial topic each week that are also suitable for faculty and staff.

A partial listing of Financial Literacy 101 resources are listed below. And don't forget, with Financial Literacy 101 it's also easy to add your own content as well.

Jump to Financial Aid: Paying for College for sample content.

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Budgeting and Spending

One of the best ways to achieve financial health is to effectively manage your daily, weekly, and monthly spending decisions.

Creating a budget is a great first step, but a budget is just a plan. You then need to track your actual spending behavior. When your actual spending matches your plan, you will be in great shape for realizing your financial goals.

3D dollar signs filling the image.

Tracking Your Spending
A simply way to get the most from your monthly budget.

Person putting coin into a pink piggy bank.

Money Saving Ideas
Looking for ideas for ways to save money now? Almost everyone can find a way to save using at least one of these tips.

Man making two small piles of dollar bills.

Debt and the Pressure to Spend
It’s wonderful to have the freedom to buy so many products, but unless you’re rich, the key to happy spending is planned spending.

Success, Legal Document

Individual Development Accounts
Understanding the benefits of IDAs, how to qualify, and where to find a program.

Woman smiling sitting at desk reviewing paperwork.

How to Improve Cash Flow
A positive cash flow is a key indicator of your financial health.

Young woman with magnifying glass to her eye.

Making Sense of Your Budget
After you've identified your income and tracked your spending, it's time to compare the numbers, gain perspective, set priorities, and make changes.

Two fingers climbing a $100 staircase

Income and Expenses
A big part of budgeting is identifying income and listing expenses.

Buying a Car

Buying a car can be an exciting experience, but it can also involve some complicated financial decisions.
Should you buy new or used, pay in full or finance, or even consider leasing? And to make matters even more complicated, the price you pay for your car is often determined by negotiation, making it hard to tell whether or not you are getting a fair deal.

This material will guide you though the entire process - from choosing the best model to avoiding unnecessary surprises (and costs) at closing.

Person handing car key to another person.

Buying a Car
An introduction to the basics of this major purchase and responsibility.

Front of 5 new cars lined up. Same car, different colors.

Choosing a Make and Model
A look at four important factors to consider when choosing a car: fuel consumption, insurance rates, reliability, and depreciation.

Young woman in driver's seat adjusting rearview mirror in car.

The Total Cost of Ownership
Understanding the many costs associated with owning a car - from financing cost to taxes.

An approved Lease Agreement

Buy or Lease Decisions
The pros and cons of leasing.

Desktop showing two people holding pens and reviewing papers.

Financing a Car Purchase
How a loan affects the total cost of buying a car.

Man pointing under the hood of a car to a man and woman

Evaluating a Used Car
How to "do your homework" before buying a used car.

Two hands shaking (in agreement, or greeting)

Negotiating Your Car Purchase
Effective negotiation could potentially save you thousands on your next car purchase.

Cartoon of Archery Target with Arrow in Bullseye.

Setting a Target Price
How to set a realistic target price for both new and used vehicles.

Tug of War.

Negotiating Price
Know what to expect when negotiating the best deal.

A woman covering her eyes as if she made a big mistake.

Avoiding Surprises
Think the negotiating is finished when you agree on a price? Here's how to negotiate dealer extras and extended warranty pitches.

Lower part of man's leg with one foot about to step on upwards facing tacks.

Common Mistakes
Twelve common mistakes to keep in mind when shopping for a car.

Buying a Home

Owning your own home can make a lot of financial sense - if you are fully prepared for it.

For many, home ownership is a sign of personal and financial success. But there are risks as well as rewards associated with home ownership, and home ownership is not appropriate for everyone.

In this section, we'll take a look at some of the issues involved in making a purchase decision, explore some ways of financing a home purchase, and consider situations in which renting is actually the best financial decision.

For Sale sign in front of a house.

Buying a Home Introduction
Some pros and cons of buying a home, including a comparison with renting.

Model house made with $20 bills.

Understanding Mortgages
The parts of a mortgage and common mortgage loan options.

Small model house on top of a pile of 1 dollar bills.

Buying vs. Renting a Home
Factors to consider when making an informed "buy" or "rent" decision.

For Sale sign in front of a house.

Saving Money for Your Home Purchase
Before you buy a home, determine how much consumer debt is reasonable for you and what upfront costs you will have for your home purchase.

3D dollar signs filling the image.

Assembling a Home Buying Team
Having the right people on your side can help you make the best possible buying decisions.

Debt Management and Financial Trouble

Many people who are in financial trouble may not realize it or may even think their situation is normal.

Almost everyone experiences financial stress at some point, but out of control debts can have serious financial, social, and psychological consequences. To make matters worse, penalty fees, increased interest rates, and high-fee "alternate" financial services can make it difficult to get out of a bad situation.

In this section, we'll look at some of the reasons why people find themselves in financial trouble, review some of the warning signs, and explore options for getting back on track - including how to find extra help from consumer counseling services.

Thumb and index finger hold tiny dollar bill.

Signs of Financial Trouble
Spotting the warning signs of excessive debt.

3D dollar signs filling the image.

Your Debt-to-Income Ratio
One of the first steps in getting out of debt is to analyze calculate your debt-to-income ratio.

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Dealing with Financial Trouble
If you ever find yourself experiencing financial trouble, there are steps you can take to get back on track and to minimize the damage to your credit.

Person putting last piece of a jigsaw puzzle down.

Debt Reduction Plans
Whether you do it yourself or work with a credit counselor, creating a debt reduction plan is an important first step for those with financial trouble.

Pencil eraser taking the t off the word Debt

Simple Steps to Debt Reduction
Regardless of how you got into debt or how severe your debt problems are, these seven steps can help you find your way out.

Blue background with 3 sheets with DEBT on them, red arrow pointing to white cube 1 Debt

Loan Consolidation and Refinancing
Consolidation and refinancing are tools that may help to reduce your debt.

Young woman in gray suit shaking hands with man in gray suit.

Credit Counseling
The role of credit counseling organizations and how a debt management plan works to restore credit over time.

Person putting last piece of a jigsaw puzzle down.

Debt Repayment Strategies
When it comes to building your plan for repaying debt, it's important to have a plan of attack.

Young woman, and on chin, looking up to left, question marks on chalkboard, wondering.

Choosing a Credit Counselor
The best way to find a good credit counselor is knowing what questions to ask. Here's a comprehensive list.

Man in shirt and tie rubbing eyes under glasses. Tired.

Credit Repair Scams
How to spot a credit repair scam.

Envelope with red PAST DUE stamped on it.

Debt Collection
Understanding legal and illegal debt collection practices and how to report companies that ignore the law.

Wooden gavel with gold band around the center.

Debt Collection and Legal Actions
What to do if you are sued over debt.

Monopoly Bankruptcy Cartoon

Understanding Bankruptcy
The types of bankruptcy and why it should be used only as a last resort.

Good Credit/Bad Credit Switch on Good Credit.

Repairing Credit
There are no quick fixes when it comes to removing negative items from your credit report or raising your credit score. Only consistent efforts and payments on your debts will improve your credit.

Financial Aid: Paying for College

A college degree maximizes your chances of being successful. For many families, financial aid is an indispensable part of the equation.

Financial aid involves much more than loans alone. Scholarships, work-study jobs, and service options such as AmeriCorps are all tools that help millions of individuals reach their educational goals. But how do you determine the best path for you?

Here we'll debunk some common financial aid myths, explore the basics of financial aid, and take you step-by-step through the financial aid process.

Graduation Cap on top of $100 bill

Financial Aid Introduction
Why college may be a great investment, even though it has an increasingly high cost.

Road sign that says Students Loans Ahead

Types of Financial Aid
The main types of financial aid are education loans, grants and scholarships, work-study, and service programs.

Maze with the word Plan in the center.

Creating an Aid Strategy
Considerations when planning to pay for school, including school choice, employment options, accounting strategies, and the importance of borrowing wisely.

Young woman reviewing calculator tape with notepad on table.

Understanding Financial Need
Some aid is based on financial need and some is not. What exactly is "financial need?"

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Independent Student Status
Understanding your financial aid dependency status, including a discussion of what to do if the parents of dependent students refuse to help them pay for college.

A hypothetical FAFSA admission ticket

Applying for Aid
The aid application process, including descriptions of the FAFSA and Profile forms.

Cap and Gown will spare change and cardboard that says Student Loans

Education Loans
A description of the main types of student loans, including government loans, consolidation loans, and private loans.

Graduation Cap on top of a stack of quarters and bills.

Choosing the Right Loan
Questions every student should be able to answer before taking on a student loan.

Woman with shrugging shoulders -- not sure what to do.

Selecting a Private Loan Lender
When federal loans are not enough, private lenders such as banks, credit unions, and non-profit lenders can help to fill the gap.

A Promissory Note with sharp pencil on it.

The Master Promissory Note
An introduction to the agreement that specifies your rights and responsibilities when accepting a student loan.

Young man dressed in cap and gown with $ tag hanging as a tassle.

Repaying College Debt
Common repayment plans are outlined, as well as instructions for finding your loans and the consequences of non-payment.

Green dollar sign with graduation cap in a field on a sunny day.

Borrowing Wisely
Making smart choices about student loans, including a description of the impact of loan capitalization.

Graduate School, Cap

Borrowing for Graduate School
Financial choices about graduate school can be complicated. It pays to understand your borrowing and repayment options.

Life Saving Ring thrown in the air. White with bright red stripes.

Dealing with Too Little Aid
Why some students find themselves with too little aid and what can be done to make ends meet.

Financial Aid: Repayment Success

There are more options than ever for repaying federal student loans. Learn how to choose the best option for you.

Student loans are often the first significant debt incurred by people today. Managed appropriately, they offer flexible repayment plans for just about any income level. But the penalties for non-payment can be lasting and serious.

In this section, we explore repayment strategies, cover repayment options, and review common repayment scenarios - including what to do in the event of financial trouble.

Money overflowing a bag with words COLLEGE on it.

Making Smart Repayment Decisions
Flexible federal student loan repayment plans can help you avoid financial trouble and reach your financial goals.

Road Sign with Arrows Facing Left and Right.

Repayment Plans Affect Loan Cost
Your repayment plan choice can greatly affect your monthly payment and the total cost of your student debt.

Woman completing paperwork at desk.

Repayment Strategies
To repay your student loans, you need a comprehensive strategy to put your education debt in a larger financial picture that includes your income, non-education debt, and long-term goals.

Clock superimposed onto a dollar bill.

Grace and Deferment Strategies
Federal education loans all offer a grace or deferment period – a set amount of time during which repayment is not required. How you manage loans during your grace period can make a big difference.

An award marking 10 years.

The Standard Repayment Plan
Of all federal student loan repayment options, the Standard Repayment Plan is the quickest way to repay your loans at the lowest possible total cost.

Man balancing on a red robe suspended in the clouds.  Rope becomes stairs.

The Graduated Repayment Plan
After the Standard Repayment Plan, the Graduated Repayment Plan is the next least expensive way to repay your federal loan and offers lower payments for the first four years.

View of the horizon down a long desserted road in the middle of nowhere.

The Extended Repayment Plan
The Extended Repayment Plan spreads student loan payments over up to 25 years for those with federal student loan balances over $30,000.

Man in suit with his hands holding empty pants' pockets.

The Income-Based Repayment Plan
This plan offers borrowers of qualifying loans a flexible payment schedule based on yearly income. A financial hardship is required.

Bottom portion of a W-2 Form.

The Pay As You Earn Repayment Plan
Exclusively for Direct Loans, this plan offers borrowers of qualifying loans a flexible payment schedule based on yearly income. A financial hardship is required.

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The Income-Contingent Repayment Plan
The Income-Contingent Repayment Plan can be a good way to work out a manageable monthly payment if you have high debt compared with your income.

Two fingers climbing a $100 staircase

The Income-Sensitive Repayment Plan
The Income-Sensitive Repayment Plan helps Federal Family Education Loan Program borrowers keep up with payments even if their income is low.

Clock superimposed onto a dollar bill.

Deferment and Forbearance Options
Both deferment and forbearance can help you avoid financial trouble. If you think you might qualify, reach out to your loan servicer as soon as you first experience financial difficulty.

Blue background with 3 sheets with DEBT on them, red arrow pointing to white cube 1 Debt

Loan Consolidation
Loan consolidation can simplify the loan repayment process, but you must review the loans you plan to consolidate carefully – once consolidated, there’s no going back.

Celebrate Public Service

Public Service Loan Forgiveness
If you work in certain fields or for certain employers, a portion of your Direct Student Loan debt may be eligible for forgiveness.

Father reviewing homework with his two kids.

Teacher Loan Forgiveness
The Teacher Loan Forgiveness Program offers financial incentives intended to encourage individuals to enter the teaching profession.

3D dollar signs filling the image.

Perkins Loan Repayment and Forgiveness Options
Perkins Loans are administered differently than other student loans and include expanded cancellation or discharge options.

View looking down into four office cubicles with employees working.

The Role of Your Loan Servicer
Your loan servicer is your primary point of contact when you’re repaying your federal student loans.

Young woman with magnifying glass to her eye.

The National Student Loan Data System (NSLDS)
The National Student Loan Data System, commonly referred to as NSLDS, stores your federal loan information.

Success, Legal Document

Avoiding Delinquency and Default
“Delinquent” and “Default” are similar words. Both refer to late payments, but the consequences of each are very different.

Woman looking shocked at a piece of paper.

Resolving Student Loan Disputes
Your loan servicer’s job is to help you repay your education loans, but even experienced servicers sometimes make mistakes. Loans are your right and your responsibility so you must address issues as they arise.

Wooden stamp sitting next to red word CANCELLED

Discharging Student Loans
There are limited circumstances in which a borrower can be released from his or her obligation to repay student loan debt.

Young woman sitting at desk, receipts in hands, calculator on desk, dismayed expression.

Managing Loans in Times of Financial Distress
You can’t always prevent financial stress, but how well you manage it will make all the difference in how successful you’ll be in meeting your repayment obligation.

Life saving ring made of dollars with red bands.

Dealing with Student Loan Default
The consequences of defaulting on federal student loans can be severe, which is why you should take advantage of the options there are to help you avoid it. But, should you end up in default, there are steps you can take to regain lost benefits.

Financial Health

Good financial health offers both short and long-term benefits.

What does it mean to be financially healthy? A lot depends on you - students living off of student loans may want to minimize spending to reduce student loan debt. Those in the workforce may want to set certain savings or debt reduction goals. Either way, understanding exactly where your money goes on a daily, weekly, and monthly basis is a great first step.

No matter what your financial situation may be now, this material can help you set financial priorities, understand your spending, and even help you find money-saving opportunities.

Young woman, and on chin, looking up to left, question marks on chalkboard, wondering.

Your Financial Values
While each of us may have different financial values, we all make decisions based on them.

Woman with hand under trunk of tree with $ signs as leaves on chalkboard

Financial Health
The concept of financial health, including smart decision-making.

Road Sign with Arrows Facing Left and Right.

Choices About Money
Financial decisions almost always involve a trade off - getting something now usually means giving up something else.

Vintage photo of young woman hurdling over an obstacle.

Setting Goals
Setting financial goals offers the chance to step back from everyday pressures, allowing us to think about how we’d like to be rather than as how we are.

Kid on a bike heading down a long road. Word START is next to boy.

Achieving Financial Goals
No matter what your financial goal, it's important to have an accountability system in place.

Kid on a bike heading down a long road. Word START is next to boy.

Nudging Yourself Towards Your Goals
No matter what your financial goal, it's important to have an accountability system in place.

Young man dressed in cap and gown with $ tag hanging as a tassle.

Test University Financial Aid Tips
Fresh from the financial aid office - what you can do today.

Financial Planning

From setting a monthly spending plan to saving for retirement, financial planning doesn't have to be complicated.

We all have unique financial goals. For some, minimizing debt while in school is a top priority. Others may want to save for a comfortable retirement. Still others may just want to strike it rich (nice work if you can get it). Either way, financial planning is the process of making sure we're taking concrete steps towards reaching those goals, even as our income, employment, and family situations change.

In this section, we'll explore some the financial planning process and take a look at some of the tools you can use to turn your plans into reality.

Coach Writing Play on Chalkboard

Financial Planning
Learning the "how" and "why" of short, medium, and long-term financial planning.

The words: Last Will and

Creating a Will
A will is the cornerstone of the legal framework of an estate plan, and everyone should have one.

Power of Attorney document in a typewriter.

Powers of Attorney
Everyone faces the possibility of temporary or permanent incapacitation. Make sure your wishes are followed.

Hanging file with label Estate Plan

Estate Planning
Wills, trusts, and other end of life issues.

Four surgeons in masks looking down at someone of table. Appear to be looking at viewer.

Medical Care Planning
How to make sure your wishes are followed in a medical crisis.

Two wedding rings touching and on top of $300.

Talking About Money
A look at some of the financial considerations of getting married.

Dentist giving young man novocaine in his mouth.

Planning for the Unexpected
Planning for unexpected events, including accidents, death, and even the possibility of divorce, are all part of a responsible marriage.

Wedding cake split in half between groom and bride cake toppers.

The Divorce Process
Nobody gets married planning to get divorced. But sometimes, wedded bliss does not work out. Whether you’re contemplating a divorce or have already started the process, here are some financial implications to know before you make it official.

Red Knot with many ends of rope

Getting Divorced: Untangling Joint Accounts
Part of the divorce process is reviewing all accounts, insurance policies and the like and determine what’s yours and what’s your spouses’.

Butcher paper slightly ripped to reveal words After Divorce

Financial Life After Divorce
If you get divorced, every aspect of your life can be affected including your finances. There are a number of actions you should not overlook.

Financial Services

There are dozens or even hundreds of financial services providers in your area. Learn how to find the best deal.

Banks and credit unions can be important partners in helping you reach your financial goals. But account choices that aren't matched to your needs can result in excessive fees and even damage to your credit report.

Even if you've had a financial services relationship for years, this material will help you identify strategies for minimizing fees, backing up important financial information, and understanding the pros and cons of optional services.

Bank Teller dispensing cash under bank window.

Choosing a Bank or Credit Union
Types of financial services accounts.

Young woman in gray suit shaking hands with man in gray suit.

Financial Service Providers
Not all financial services companies provide equal value.

Personal Check with pen point on amount box.

Managing Accounts
Account management strategies for checking and savings.

Nest with gold egg in it.

Checking and Savings Accounts
Checking and savings accounts strategies for minimizing fees.

3D dollar signs filling the image.

Balancing Your Checking Account
You are ultimately responsible when it comes to keeping track and managing your checking account.

Money Shredder

Avoiding Fees
Suggestions for avoiding or minimizing financial service fees.

3D dollar signs filling the image.

Overdraft Protection
The benefits and potential risks of overdraft protection.

A neon payday advance sign

Alternative Financial Services
Understanding why payday loans, check cashing services, and similar services are bad deals for consumers.

Having a Baby

The financial realities of caring for a baby can be daunting, but the major risks can be managed with simple planning.

In this section, we'll review short and long-term steps you can take to give your child the best possible financial future. From getting off to a great start by auditing your pre-baby spending to making sure your health insurance covers everything you'll need, we'll explore just about everything you'll need to know to make informed financial decisions.

Kid on a bike heading down a long road. Word START is next to boy.

Having a Baby Introduction
Having a baby is not just a family decision, it's a financial decision too.

Baby, future, hope

Babies and Budgets
How to get your finances in shape before a baby arrives, including a budget review, paying down debt, making sure you're getting the best on any long-term debt, and creating an emergency fund.

African American Couple with baby - looking at us.

Paying for the Baby Years
The non-childcare costs you can expect when having a baby, from cribs to health insurance.

A woman giving a young girl a piggy back ride.

Childcare Choices
An overview of different childcare choices and the financial implications of each.

Scattered coins on part of a tax form.

Children and Taxes
A review of the tax benefits that can help you manage the expenses incurred with children.

Parent pushing daughter on a swing.

Managing Risks
Life is filled with unexpected events. Learn how to ensure the financial security of your child in the worst case scenario.

Young boy holding books balancing an apple in front of chalk board, drawn graduate cap on his head

Growing Up - Childhood and Beyond
A look at the additional costs of raising a child beyond the first few years including the indirect costs.

Identity Theft

Identity theft costs Americans billions of dollars per year, but there are steps you can take to minimize the chance of it happening to you.

Did you know that there are many kinds of identity theft? In fact, some forms can remain hidden for months or even years - doing damage that can can be tough to undo entirely. In this section, we'll review what exactly identity theft is, how to protect your identity, and what to do if you become a victim.

Woman's forehead leaning down on her hand.  Discouraged.

Identity Theft
Understanding ID theft and how to prevent it.

Shadow figure holding bag representing money.  Thief.

Avoiding Identity Theft
The three Ds of identity protection: Deter, Detect and Defend.

Shadow figure holding bag representing money.  Thief.

Dealing with Identity Theft
Understanding the different types of identity theft and what to do in each scenario.

Computer Screen Shot of Closed Padlocks

Protecting Your Digital Information
There are many data backup solutions available designed to protect personal information that vary in their security and ease of use.

Insurance

Insurance is an important tool for managing financial risk, even for those with few assets.

Most of us don't think about it often, but life is filled with uncertainty. In fact, life can seem downright predictable - until something unpredictable happens. From covering medical bills related to a serious illness to paying for car repairs in the event of an accident, it's not difficult to imagine how insurance can be useful for avoiding financial trouble. Unfortunately, many individuals are underinsured, meaning they are more vulnerable than they realize.

In this material, we'll review common insurance options and look at some low-cost strategies for making sure your insurance truly meets your needs.

Miniature house, gold coins, car protected with black umbrella

Insurance
Understanding how insurance plays an important role in our financial lives.

Car Accident

Auto Insurance
Types of auto insurance, factors influencing cost, and choosing a policy that's right for your situation.

Sillouette of two children walking under parents' arms raised as an archway with sun setting.

Life Insurance
Who needs life insurance, types of policies, and how to determine coverage.

House on fire.

Renter's Insurance
Understanding the benefits (and potential pitfalls) of this type of inexpensive insurance.

A woman giving a young girl a piggy back ride.

Health Insurance
The various health insurance choices.

Partial picture of someone moving down sidewalk in wheelchair.

Disability Insurance
The benefits and costs of these often complex policies.

Managing Credit

How you manage credit can affect your life in serious ways you may have never considered.

Most people accept the fact that a late credit card payment will result in a penalty fee. But the consequences of missed or late payments don't end there - they can even affect your ability to find a job or rent an apartment.

In this section, you'll learn how credit reports and scores are calculated, how to get free copies of your credit reports, and how protect your hard-earned credit rating.

Boy Scout in uniform with hand raised for Scout Pledge. Boy Scouts written above.

Credit Reports and Scores
Credit reports and scores determine the rates you pay when borrowing and can affect your ability to get certain jobs.

Hand running credit card through credit card machine.

Credit vs. Debit Cards
Credit and debit cards each have pros and cons. When should you use each?

Pile of different credit cards.

Students and Credit Cards
Special challenges for students with credit cards.

Credit Report with Score

Building Credit
Understanding the decisions and behaviors that can lead to improved credit scores.

Printed Credit Report with Pen next to it.

Reading Your Credit Report
A detailed description of what to expect and look for when viewing a credit report.

Stack of credit cards.

The Credit Card Act of 2009
How the new regulations work to protect card holders.

Open hand with pennies.

How Interest Works
Why understanding interest is crucial for comparing loans and for investing for your future.

Thumb and index finger hold tiny dollar bill.

Cutting Credit Card Costs
With credit cards, interest on your purchases is only part of the equation - late payment fees, annual fees, and cash advance fees could cost you money too.

9 red dice thrown with % signs

Understanding Daily Simple Interest
How lenders charge interest can have a big impact on your interest charges - and how you should manage the loan.

Renting an Apartment

Renting an apartment is a rite of passage for many people.

Whether you're renting an apartment for the first time or you've been renting for years, it can be complicated to understand your rights and responsibilities. Further, without a mortgage and the home owner's insurance required, renters may be at increased risk for the loss of personal belongings through theft, fire, or other accident.

In this section, we'll explore lease agreements, how to protect your possessions, and some strategies to consider if you're moving in with roommates.

An approved Lease Agreement

Renting an Apartment
Your rights and responsibilities when signing a rental agreement.

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Roommates and Money
Simple strategies for managing your financial relationship with roommates.

Saving and Investing

Investing offers the chance of earning better returns on your money than savings accounts, but there are risks.

When saving for a long-term goal, like retirement or college for your kids, many individuals choose to invest their money in stocks, bonds, or other assets. There's no guarantee than any investment will consistently earn more money than cash alone, but investing offers a unique opportunity - rather than you working for your money, your money works for you.

In this section, we'll cover some common investment categories, explore investment accounts, and take a deeper look at how to save for retirement.

Glass jar filled with coins labeled Retirement with person sitting in background.

Saving and Investing
The difference between investing and saving, and how to tell what's the best option for your needs.

Digital Stock ticker tape

Types of Investments
The pros and cons of stocks, bonds, and cash. The concept of asset allocation is explained.

Two eggs (IRA and Roth on them) on top of money.

Investment Accounts
The types of accounts available to investors, including both taxable and tax advantaged accounts.

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Saving for Retirement
Why save for retirement and the impact of fees on investment performance.

Person putting last piece of a jigsaw puzzle down.

Retirement Saving Strategies
How to develop a comprehensive retirement savings strategy.

Digital Stock ticker tape

Retirement Savings Ideas
A few simple things to keep in mind when starting a retirement savings plan.

Two eggs (IRA and Roth on them) on top of money.

Retirement Accounts
An overview of the major retirement accounts, include Individual Retirement Accounts, Simplified Employee Pensions, and 401(k) plans.

Taxes

"In this world nothing can be said to be certain, except death and taxes.”

When Benjamin Franklin wrote these words in 1789, he could scarcely have imagined the sheer number of taxes paid by Americans today. But in addition to being an expense to pay, there are many benefits that can come through our tax code - from education benefits to saving accounts for retirement.

In this section, we'll look at some common taxes, how they could benefit you, and how to make sure you're paying exactly the right amount.

Green dollar sign with graduation cap in a field on a sunny day.

Tax Benefits for Higher Education
The federal government provides a number of tax deductions and credits that can help reduce your cost of attending college.

Bottom portion of a W-2 Form.

Paycheck Tax Deductions
Making sense of the deductions taken from your paycheck. How "independent" workers have unique tax challenges.

Workplace Transition

Whether you may be starting your first job or transitioning to a new one, learn key financial and social skills.

From making decisions about employer benefits to understanding the how and why of professional networking, a new job offers both risks and opportunities.

Graduate, Financial Success, Financial Superhero

Workplace Transition Introduction
An overview of topics covered in our Workplace Transition material.

Man in suit with his hands holding empty pants' pockets.

Salary Expectations Versus Reality
Most young people tend to overestimate their starting salaries.

Kid on a bike heading down a long road. Word START is next to boy.

Money in the Real World
No matter what your financial outlook is after leaving school, the concept of financial health is an important step towards long-term financial success.

Cartoon, tied green bag with $ on it, man is suit smiling reaching for it.

Employer Benefits
There are four main types of employee benefit programs: health insurance, retirement plans, tax-advantaged savings, and supplemental benefits such as life and vision care insurance.

Two fingers climbing a $100 staircase

Creating Healthy Spending Habits
No matter how much or how little you earn, your spending habits play a major role in your financial health.

Woman looking at several forms on a table with her hand on a calculator.

Managing Student Loan Debt
Student loan debt is often the first significant debt acquired by adults today. Repaying your debt responsibly helps you establish good credit and helps you qualify for the best-possible interest rates on future loans.

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The Concept of Professionalism
Being a “professional” paves the way for both current and future success, no matter what career you choose. Professionalism requires you to draw upon a set of skills that may seem outside the specific skills required for your job.

Person putting last piece of a jigsaw puzzle down.

Decisions About Employee Benefits
Employee benefits vary between employers, so it’s up to the employee to make the most of whatever benefits are offered.

Young man in sports coat walking, looking at smartphone, and smiling.

Day One of a New Job
First impressions are important. New employees should take the time to prepare for the first day to ensure that they start off on the right foot.

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Communication Skills
Strong communication skills are essential to success in the workplace, but mastering these skills takes time and practice.

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Time Management
To be successful in today’s workplace, you need to know how to manage the limited amount of time you have to accomplish all of your tasks.

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Networking in the Workplace
Effective networking can lead to success in your career both now and in the future.