Financial Wellness Curriculum

Expand Your Financial Knowledge.

A practical, plain-language path to financial confidence.

Eight short modules that walk you through the foundations of personal finance — from understanding where you stand today to planning for the long term. Watch the videos, work through the companion PDFs, and skip ahead anytime.

Start with Module 1 Top 10 Financial Tips Download all workbooks
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1
Module 1

Understanding Your Financial Foundation

Video · 5 minWorkbook PDF
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"Know where you stand before deciding where to go."
Workbook
Module 1 — Understanding Your Financial Foundation.pdf
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Before making changes to your finances, you need a clear picture of where you stand. This module helps you build that picture using two simple measures: net worth and cash flow.

What you'll learn

  • How to calculate your net worth (assets minus liabilities)
  • The difference between positive and negative cash flow
  • How to spot your biggest financial pressure points
  • Why awareness — not perfection — is the first step

Questions to ask yourself

  • Do I have a clear understanding of what I own and what I owe?
  • Am I aware of where my money is going each month?
  • Which area causes me the most financial stress right now?

Take action

  • List your main assets and liabilities
  • Estimate your monthly income and expenses
  • Identify one area where you want more clarity
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Module 2

Building Stability First

Video · 6 minWorkbook PDF
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"Without savings, every surprise becomes a debt."
Workbook
Module 2 — Building Stability First.pdf
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A strong foundation makes everything else easier — saving, investing, long-term planning. This module focuses on the two pillars of stability: managing debt strategically and building emergency savings.

What you'll learn

  • How to tell manageable debt from expensive debt
  • Why high-interest balances delay every other financial goal
  • A simple, prioritized strategy for paying down debt
  • How to start an emergency fund — even with $25 a paycheck

Questions to ask yourself

  • Do I know which of my debts have the highest interest rates?
  • If an unexpected expense came up, how would I handle it today?
  • Have I started building any form of emergency savings?

Take action

  • Identify your highest-interest debt and focus extra payments there
  • Set a small, realistic emergency-savings goal
  • Automate a consistent contribution, even if it's small
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Module 3

Saving and Investing Basics

Video · 3 minWorkbook PDF
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"Even small extra payments build real momentum"
Workbook
Module 3 — Saving and Investing Basics.pdf
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This is where your money begins to work for you over time, rather than simply covering current expenses. The habits you build now, even small ones, can have a meaningful impact years down the road.

What you'll learn

  • What is a 401k? Retirement plan basics
  • How much should you be saving?
  • IRA, Taxable Investment Account, or all three?

Questions to ask yourself

  • Am I contributing to my employer's retirement plan today?
  • Am I receiving my full employer match?
  • Do I know my current savings rate as a percentage of income?
  • Am I saving consistently, even if the amount feels small?
  • Have I considered opening an IRA for additional savings?

Take action

  • Log in to your 401k and confirm your current contribution rate
  • Check your plan documents for the employer match details
  • Increase your contribution by 1 percent if you are able
  • Research IRA options if you are not already contributing to one
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Module 4

Structuring Your Savings Strategy

Video · 3 minWorkbook PDF
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"Savings across all three tax buckets creates flexibility"
Workbook
Module 4 — Structuring Your Savings Strategy.pdf
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Each account type serves a distinct purpose; the order in which you fund them matters, and the way each is taxed affects your long-term outcome. This module brings those three ideas together.

What you'll learn

  • Different purposes for Emergency and retirement savings
  • Prioritizing where your money goes
  • Tax-deferred accounts or tax-free growth (Roth)

Questions to ask yourself

  • Do I have emergency savings before I invest?
  • Am I capturing my full employer match?
  • Do I understand the difference between pre-tax and Roth contributions?
  • Am I building savings across more than one type of account?

Take action

  • Confirm you have at least a starter emergency fund in place
  • Check that you are receiving your full employer match
  • Review whether your contributions are pre-tax, Roth, or both
  • Identify which step in the priority order you are currently on
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Module 5

Financial Prudence Phases

Video · 4 minWorkbook PDF
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"What matters is moving forward with intention."
Workbook
Module — Financial Prudence Phases.pdf
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Everyone progresses through their financial journey at a different pace. Financial Prudence Phases provide a framework for understanding where you are and what to focus on next. There is no set timeline.

What you'll learn

  • Getting Your House in Order
  • Building on What You Have Started
  • Taking Your Finances to the Next Level

Questions to ask yourself

  • Which phase best describes where I am right now?
  • Do I have positive cash flow each month?
  • Have I started emergency savings, even in a small way?
  • Am I capturing my full employer match?

Take action

  • Identify which phase you are currently in
  • Write down the one or two steps most relevant to your phase
  • Set a specific, small goal you can act on this month
  • Revisit your progress in 90 days and adjust as needed
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Module 6

Module Six Title Coming soon

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Module 7

Module Seven Title Coming soon

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Module 8

Module Eight Title Coming soon

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