What you’ll learn

Paychecks, 50/30/20 and the art of not running out by the 25th.

1. Lesson 1: Where your money goes

   You will be able to tell gross pay from net pay, sort expenses into fixed and variable, and spot needs versus wants.

2. Lesson 2: The 50/30/20 rule

   You will be able to split take-home pay with the 50/30/20 rule and explain what "pay yourself first" means.

3. Lesson 3: Emergency funds

   You will be able to explain what an emergency fund is for, how big it is usually, and where people keep it.

4. Lesson 4: Sinking funds and goals

   You will be able to plan for known future costs with a sinking fund and turn a goal into a weekly or monthly amount.

Also in this track: Match game · Speed review · Quiz · Memory game · Speed review · Summary · Final test

Scores, utilization and how to make a credit card work for you.

1. Lesson 1: What is a credit score?

   You will be able to explain what a credit score is, what affects it most, and who looks at it.

2. Lesson 2: Utilization

   You will be able to calculate credit utilization and describe habits that keep it low.

3. Lesson 3: Interest and APR

   You will be able to estimate interest from an APR and compare two ways to pay off debt.

4. Lesson 4: Building credit from zero

   You will be able to describe common ways to start building credit with no history.

Also in this track: Match game · Speed review · Quiz · Memory game · Speed review · Summary · Final test

Index funds, compounding and how to grow money while you sleep.

1. Lesson 1: Compound interest

   You will be able to explain compound interest, do a simple two-year calculation, and use the Rule of 72.

2. Lesson 2: Stocks vs bonds

   You will be able to explain the difference between stocks and bonds and why investors spread their money out.

3. Lesson 3: Index funds

   You will be able to explain what an index fund is, calculate a fund's yearly fee, and describe dollar-cost averaging and a 401(k) match.

4. Lesson 4: Risk and time horizon

   You will be able to explain time horizon and risk tolerance, and estimate how a mixed portfolio moves.

Also in this track: Match game · Speed review · Quiz · Memory game · Speed review · Summary · Final test

Checking, savings, fees and how to keep your money safe.

1. Lesson 1: Checking vs savings

   You will be able to explain what checking and savings accounts are for, how a debit card works, and how deposits and withdrawals change your balance.

2. Lesson 2: Interest and APY

   You will be able to explain how savings interest works, tell simple from compound interest, and use APY to compare accounts.

3. Lesson 3: Bank fees

   You will be able to name common bank fees, estimate what they cost, describe ways people avoid them, and read the main parts of an account statement.

4. Lesson 4: Keeping money safe

   You will be able to explain how FDIC and NCUA insurance protect deposits, compare banks and credit unions, and spot common bank scams.

Also in this track: Match game · Speed review · Quiz · Memory game · Speed review · Summary · Final test