Every aspect of our adult lives: from paying bills, applying and managing credit, buying cars and homes, and investing for the future, all depend on a basic financial literacy. 

And yet, research shows that only about half of Americans understand concepts like  debt and the importance for saving for retirement.   

California is one of 5 states with no personal finance education standards for any grade level. 

According to the P-Fin Index, the connection is clear: financial literacy leads to financial wellness. 

People with greater financial literacy are:

• Better prepared to achieve short & long-term financial goals
• Better able to handle unexpected expenses
• Are less likely to be bound by debt and tend to make payments on time 
• More likely to plan for & stay on track towards retirement goals 

There is much to know about the financial part of our lives. We often must learn as we go, making painful mistakes along the way. 

Beyond the specifics of budgeting or how credit works, a large part of financial wellness is about self-control, discipline and trade-offs; about delayed gratification and the ability to think long-term. 

Topics include:

Wants vs. Needs

Financial Goal-Setting & Planning

Delayed Gratification & Self-Control

Income & Taxes

Budgeting & Expenses

Savings

Unexpected Life Events

Credit & Debt

Insurance & Risk

Being a Critical Consumer 

Retirement

The Magic of Compounding

Introduction to Investing

Financial Self-Sufficiency

April is National Financial Literacy Month. 

There's no better time than spring for a month of information & action devoted to family-focused financial wellness. 

moneyeducationforall@gmail.com