1. Introduction to Personal Finance (“Money Matters: Earning and Spending”)

o Vocabulary: Budget, Savings, Income, Expenses, Debt, Interest, Credit Score

o Concepts: Importance of budgeting, understanding income and expenses, importance of an  emergency fund, basics of saving for future goals 

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2. Tax Basics (“Basics of taxes, why they matter”) 

o Vocabulary: Income Tax, W-2, Payroll Tax, Tax Deduction, Tax Credit, Retirement  Accounts 401(k), IRA 

o Concepts: Understanding taxes, basics of filing taxes, common deductions and credits 

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3. Understanding Credit and Loans (“Credit and Debt: Friends or Foes?”)

o Vocabulary: Credit Report, Loans, Interest Rate, Credit Card 

o Concepts: What is credit, how to use credit cards responsibly, understanding loans and  interest rates, types of loans (auto and mortgage) 

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4. Insurance and Risk Management (“Insurance: Protecting Yourself”) 

o Vocabulary: Insurance Policy, Premium, Deductible, Coverage 

o Concepts: Types of insurance (health, auto, life), understanding insurance policies,  importance of risk management 

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5. Introduction to investing, risk and return (“Investing 101: Growing Your Money”)

o Vocabulary: Asset, Investment, Portfolio, Stocks, Bonds, Mutual Funds, ETF (Exchange Traded Fund), Risk, Return, Volatility 

o Concepts: Introduction to investing, the relationship between risk and return, importance  of diversification, understanding different asset classes, market dynamics 

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6. Planning for the Future (“Future Goals: Planning Ahead”) 

o Vocabulary: Financial Goals, Estate Planning, Retirement Planning 

o Concepts: Importance of long-term financial planning, setting and achieving financial  goals