Money 101: What They Didn't Teach Us in School

Learn how to shift your money mindset, understand why so many of us struggle with finances, and start building the confidence to take control of your money.

Discover why real wealth isn’t about flashy purchases or big paychecks, but about the money you keep and the habits you build over time.

Learn how to set clear, realistic financial goals that keep you motivated, focused, and moving toward the life you want.

Learn why a budget isn’t a restriction, but a simple plan that gives you control, clarity, and the freedom to spend on what matters most.

Learn how to track every dollar coming in and going out so you can see exactly where your money’s going and start making it work for you.

Find out how to tell the difference between needs and wants so you can spend with purpose and keep your budget on track.

Learn how to sort your spending into clear categories so you can see exactly where your money’s going and make smarter choices with your budget.

Bring together your income, expenses, and categories to create a budget that’s simple to follow and built around your goals.

Learn what debt really is, why people take it on, and how understanding the difference between good debt and bad debt can help you make smarter money choices.

Learn what interest really is, how it’s calculated, and why understanding it can save you from paying far more than you borrowed.

Get to know the most common types of debt, how they work, and what they mean for your financial future.

Learn how to create a clear, realistic plan to pay off debt faster, stay motivated, and free up more money for your future.

Learn what a credit score is, how it’s calculated, and why it’s one of the most important numbers in your financial life.

Learn the key factors that shape your credit score and how to build habits that boost it over time.

Learn where to find your credit report and score, plus the difference between hard and soft checks so you can protect your credit when it matters most.

Follow these practical steps to steadily boost your credit score and build a stronger financial future.

An emergency fund is your financial safety net, giving you peace of mind and protection from life’s unexpected expenses without falling into debt.

Your emergency fund should cover at least 2–3 months of essential expenses, with 6–9 months providing extra peace of mind for families, homeowners, or those with unpredictable income.

Keep your emergency fund in a safe, separate savings account — ideally a high-interest one — where it’s easy to access in a crisis but out of sight for everyday spending.

Sinking funds help you save for big goals like a vacation or new car by setting aside small amounts over time so the money is ready when you need it.