Finance & Investing

For understanding money — budgeting and debt payoff, retirement planning, investing basics, tax filing, and credit building.

FIN-01

BEGINNER

Building a budget and debt payoff plan matched to your real numbers and past habits, not generic tips

50/30/20 Rule Zero-Based Budgeting Snowball vs. Avalanche

FIN-02

INTERMEDIATE

Understanding how retirement accounts actually work before deciding where extra savings should go

Employer Match Roth vs. Traditional Savings Benchmarks

FIN-03

INTERMEDIATE

Understanding how investing concepts and evidence actually work, without a specific stock or fund pick

Modern Portfolio Theory SPIVA Data Advisers Act

FIN-04

BEGINNER

Understanding how your return actually works before you file or talk to a preparer

Filing Status Deductions vs. Credits Marginal vs. Effective Rate

FIN-05

BEGINNER

Understanding what actually moves your score and how to build credit the legitimate way

FICO Factors Utilization Timing FCRA Rights