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Essentials
ESSENTIALS
Goals and Budgeting
Overview
Organizing Your Financial Life
Budgeting
Your Personal Net Worth
Setting Goals
Financial Planning
Planning Your Charitable Giving
Credit and Debit
Overview
Good Debt versus Bad Debt
How Credit Can Help—and Hurt
Understanding Your Credit Score
Preventing Identity Theft
Paying Off Student Debt
Estate Planning
Overview
Estate Plan Basics
Creating an Estate Plan
Types of Accounts
Overview
Choosing the Right Accounts
Individual Retirement Accounts
Employer Sponsored Retirement Accounts
Small Business Retirement Accounts
College Savings Accounts
Custodial Accounts
Understanding FDIC and SIPC Insurance
Saving
Overview
Why You Should Save and How Much
Making the Most of Your Paycheck
Saving for an Emergency
Eight Savings Fundamentals
Investing
Overview
Getting Started with Investing
Stocks, Bonds, and Cash
Fractional Shares
Socially Responsible Investing
Understanding Mutual Funds and ETFs
Creating an Investment Plan
Finding the Right Asset Allocation
The Advantages of Diversification
Benefits of Compound Growth
Tax-Smart Investing
The Importance of Monitoring and Rebalancing
Taxes
Overview
Income Taxes
Income Taxes for Children
Calculate Taxes
Payroll Taxes
Insurance
Overview
Insurance You Need
Individual Health Insurance
Group Health Insurance
Understanding Medicare
Disability Insurance
Life Insurance
Long-Term Care Insurance
Auto Insurance
My Life
MY LIFE
STARTING OUT
BUYING A CAR
MILITARY COMMUNITY
Buying a Home
Overview
Buy or Rent?
How Much House Can You Afford?
Mortgage Basics
Beyond Mortgage Costs
Jobs
Overview
Changing Jobs
What to Do If You Lose Your Job
Managing Your Finances as You Change Jobs
Protecting Your 401(k)
Getting Married
Overview
Planning and Paying for a Wedding
Marrying Your Finances
Prenups: Do You Need One?
Starting a Family
Overview
Budgeting for a Child
Insurance and Estate Planning Needs
Planning for a Child's Education
Divorce
Overview
Preparing Your Finances for Divorce
Protecting Yourself During a Divorce
Managing Money After a Divorce
Helping Aging Parents
Overview
Talking Money with Aging Parents
Insurance Needs
Managing Income and Investments
Knowing Their Wishes
Social Services
Losing a Loved One
Overview
Handling Finances After Loss
Special Guidelines for Loss of a Spouse
Retirement
Overview
Starting Retirement
Nearing Retirement
Enjoying Retirement
Money Talk
MONEY TALK
Planning & Goals
Investing Basics
Insurance
Education Savings
Couples & Families
Kids & Teens
Estate
Retirement
Major Purchases
Banking, Credit & Debt
Budgeting & Saving
Taxes
About Money Talk
Teaching Kids
TEACHING KIDS
Basics
Overview
Rules of the Road at Every Age
Budgeting
Saving
Overview
Starting the Savings Habit
Motivating Your Kids to Save
Tips for Parents with Kids and Teens
Investing
Overview
Introducing Kids to Investing
Important Investing Concepts
Benefits of Early Investing
Investment Accounts for Kids
Giving Back
Life Lessons
Overview
Tips for Financial Success
Managing an Allowance
Help Teens use Credit Wisely
Buying a Car
Overview
Your Teen's First Car
Assessing Your Teens Needs and Budget
Cash or Financing?
Auto Insurance
First Job
Overview
Your Teen's First Job
Income Tax Basics
Payroll Tax Basics
Getting Serious About Saving
Going to College
Overview
Costs Beyond Tuition
Life Away from Home
Leaving the Nest
Overview
A Checklist for Leaving Home
Activities and Resources
Overview
Overview
Categories
Overview
Classroom Curriculum
Personal Finance Activities
Financial Literacy Programs
Age Groups
Overview
Elementary School
Middle School
High School
Tools & Resources
TOOLS AND RESOURCES
Worksheets
Calculators
Spending Tracker
Monthly Budget Planner
Financial Fitness Quiz
Documents and Forms
Overview
Form W-4
Form W-2
Form 1099
Research
Overview
Studies and Findings
Ariel-Schwab Black Investor Survey (2022)
Ariel-Schwab Black Investor Survey (2020)
Charles Schwab Financial Literacy Survey
Young Adult Financial Literacy Survey
Older Workers and Money Survey
Financial Glossary
Financial Help for Hard Times
Foundation
FOUNDATION
Moneywise America
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Ariel-Schwab Black Investor Survey (2020)