Investing Concepts and Terminology. Importance of Investing Early?
Learn investing fundamentals, types of accounts vs. investments, history of the stock market and value of starting early. **This course is a prerequisite for the remaining investing courses.
Deep Dive: Index Funds, Mutual Funds, and Power of Diversification
Learn about common types of funds, active vs. passive funds, and why fees make a big difference. Review details of a fund and what to look for.
Deep Dive: Employer-Based Plans (401K, 403b) vs. Roth IRA and IRA
Learn the differences of tax advantages accounts and learn how to sign up, how much to invest and which fund to invest in. Review Target Date Funds details that is the most common type of fund offered for 401Ks.
Credit Score, Credit Report, Credit Cards
Learn the purpose of having credit, types of debt, how credit cards work, what goes into a credit score and how to get a credit report.
Consumer Debt, Repayment Methods, Predatory Lending, Cash Apps
Explore debt types (auto, student, personal, mortgage), consequences of not planning/paying one’s debt. Learn about predatory lending, cash advance apps, Peer 2 Peer lending and debt repayments methods.
Auto Loans, Student Loans
Learn how to estimate your car loan payment, compare auto loans and learn to negotiate. What to know about student loans once graduate and learn about student repayment loan options.
Why Save vs. Invest? Checking vs. Savings and Emergency Funds
Learn the importance of protecting yourself with emergency funds, understand bank fees, setting up alerts. Why online banking?
Importance of Budgeting, Needs vs. Wants, Budgeting Strategies
Learn what budgeting is and why it is important. How to differentiate needs vs. wants and how that can change, which accounts are used when (checking/savings/investing). What are the different budgeting methods and how should I budget using an online budgeting app?
Deep Dive: Create a Salary-Based Budget
Learn the difference between gross and net income and complete an activity to create a budget. Activity is a spreadsheet based by which you’ll choose a career, and work your way to completing savings goals, choosing where to live and selecting all expenses with examples provided.
Job Paperwork and Paying Income Taxes
Evaluate the implications of completing the W4, form, analyze job paperwork (W-4, W-2, I-9, 1099), dive deeper into the difference with W4 and W2. understand payroll taxes as an employee vs. self-employed/side hustle, and receive an overview of tax filing options. Why file a tax return? Should you file? **This course is a prerequisite for the remaining tax courses.
Tax Deductions, Credits, Investments
Identify the impact of tax deductions and tax credits using Form 1040. Review plans that minimize the tax burden with different investment strategies (tax deferred accounts: Health
“HSAs”, Roth, IRA, 401K, 403b, 457b…)
Deep Dive: Filing a student tax return 1040
Learn how to file a tax return with a sample of student W-2s.
Grocery Budgeting & Meal Prep Tips From a Chef!
Learn how to break-down grocery budget for one-time purchases and weekly budget for food. Learn techniques from a chef on how to grocery shop and meal prep efficiently and cost effectively. Ideal for college students, young adults, and anyone who wants to learn shopping/cooking techniques with time and money in mind.
Semi-Private (3-5 Persons)
Implement your own Salary-Based Budget
Take your budgeting skills to the next level. Bring in your own information to create your own budget while getting hands-on support from instructor in a small group setting (3-5). You can work on any areas of budgeting topics in this session.
Activity: 3 Stocks On Your Birthday!
Learn basic stock concepts and learn how to research a stock. Students look up historical stock prices on Yahoo! Finance and create charts and graphs using spreadsheets to compare the yearly values and return on investment (ROI). Must have Investing #111 or already have taken some investing classes.
Asset Allocation, Diversification, $ Cost Averaging
How does your asset mix impact your returns? What is $ cost averaging method in investing? Review important concepts and terminology while applying in specific hands-on activities to hone in on these important investing fundamentals.
Semi-Private (3-5 Persons)
Analyze and Review your Own Investment Portfolio/401K or IRA Accounts
Get ready to implement or discuss which account to open or what to invest in. Bring in your investment research and work through all the options while getting hands-on support from your instructor in a small group setting (3-5). You can work on any areas of investing topics in this session.
Classes are ideal for all ages but would be best suited for middle schoolers, high schoolers, early-in-career professionals, and families with children.
Advocating for every high school student to cross the graduating stage by taking at least one semester of personal finance class.
Course # 1xx = Beginner/Intermediate
Course # 2xx = Intermediate/Advanced
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