Finacial Education for Adults
Learning about personal finances can positively impact various aspects of a person's life.
Improved Financial Decision Making
Financial literacy equips adults with the knowledge and skills needed to make informed financial decisions. They learn how to budget effectively, manage debt, save for the future, invest wisely, and navigate financial products and services. By understanding concepts such as interest rates, inflation, and risk management, adults can make decisions that align with their financial goals and minimize the likelihood of financial pitfalls.
Increased Financial Stability
Financial literacy empowers adults to take control of their finances and build a solid foundation for financial stability. By developing healthy financial habits and practices, such as living within one's means, maintaining an emergency fund, and establishing a retirement savings plan, individuals are better prepared to weather economic uncertainties, unexpected expenses, or life transitions without experiencing significant financial stress.
Enhanced Career Opportunities
Financial literacy can positively impact one's career trajectory and professional success. Adults who understand how to manage their finances effectively are better positioned to pursue education and training opportunities to enhance their skills and qualifications. They may also be more confident in negotiating salary and benefits packages, managing workplace benefits such as retirement plans or health insurance, and taking calculated risks to advance their careers or start their own businesses.
Greater Financial Independence & Freedom
Financial literacy empowers adults to take control of their financial future. By understanding how to grow their wealth over time, adults can work towards achieving important life goals such as homeownership, higher education for themselves or their children, travel, or early retirement. Moreover, financial literacy enables individuals to make choices that align with their values and priorities, rather than being constrained by financial constraints or external influences.
Having financial literacy as an adult not only provides practical skills for managing money but also fosters confidence, resilience, and a sense of empowerment in navigating the complexities of the modern financial world.
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WHy Adults Need Financial Education
Everyday Financial Management
Financial education equips adults with the knowledge and skills necessary to manage their day-to-day finances effectively. This includes creating budgets, tracking expenses, paying bills on time, and making informed decisions about spending and saving.
Avoiding Debt and Financial Pitfalls
Without financial education, adults may be more susceptible to accumulating debt, falling victim to financial scams, or making poor financial decisions that can lead to long-term financial hardship. Learning about topics such as credit management, debt repayment strategies, and avoiding predatory financial practices can help individuals avoid these pitfalls.
Planning for the Future
Financial education empowers adults to plan for their future financial goals and aspirations. This includes saving for emergencies, retirement, homeownership, education, or other major life expenses. Understanding concepts such as investing, asset allocation, and retirement planning enables individuals to build wealth over time and achieve their long-term financial objectives.
Navigating Life Transitions
Throughout life, individuals may encounter various life transitions that have financial implications, such as getting married, having children, changing careers, or caring for aging parents. Financial education provides the tools and knowledge needed to navigate these transitions successfully and make sound financial decisions that support their goals and priorities.
Empowerment and Independence
Financial education empowers adults to take control of their financial lives and make choices that align with their values, priorities, and aspirations. It fosters a sense of independence, autonomy, and confidence in managing money and navigating the complexities of the financial world.
Addressing Economic Disparities
Financial education can play a crucial role in addressing economic disparities and promoting financial inclusion. By providing individuals from diverse backgrounds with the knowledge and skills needed to build wealth and achieve financial stability, financial education can help reduce inequalities and promote economic mobility.
financial education is essential for helping adults build the knowledge, skills, and confidence needed to make informed financial decisions, achieve their financial goals, and secure their financial well-being both now and in the future.
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ON DEMAND FINANCIAL EDUCATION FOR ADULT EDUCATION PROGRAMS
rethink financial education
INTRODUCING
who will the rethink financial education course work for?
Adult Basic Education (ABE)
Adult Secondary Education (ASE)
Immigrants & Refugees
College Students
Military Servicemembers
Social Services
Adults in Correctional Facilities
Adults looking to improve workplace skills
We incorporate a crawl-walk-run concept that will apply to every student, no matter what socioeconomic background they come from.
crawl
The crawling phase is where the student will learn about the financial information they need to know.
WALK
The walking phase is where the student starts doing the research and critical thinking in order to make well informed decisions.
RUN
The running phase is where the student will take ACTION and DO the things they learned about. They will CREATE the financial systems they will use in real life.
This program not only teaches students about finances, it walks them through setting everything up and helps them get started with a real financial system that works.
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Topics Covered Inside Rethink Financial Education
BANKING
▶︎ Why Using a Bank is Important
▶︎ Checking Accounts vs. Savings Accounts
▶︎ Understanding Interest & Inflation
▶︎ Comparing Banking Options
▶︎ Why Having Multiple Accounts is Important
▶︎ Choosing the Right Bank for You
▶︎ How to Open a Bank Account
▶︎ How to Write a Check
▶︎ Understanding How
EFT & ACH Works
▶︎ Digital Wallets & Payment Apps
▶︎ How to Setup Direct Deposit
▶︎ Bank Account Alerts
BUDGETING
▶︎ What is a Budget & Why You Need One
▶︎ The 70/10/10/10 Rule
▶︎ Fixed vs. Variable Expenses
▶︎ Needs vs. Wants
▶︎ Budgeting for Your Lifestyle
▶︎ Prioritizing Your Expenses
▶︎ Creating Your Budget
▶︎ Automating Your Savings
▶︎ Tools for Tracking Spending
CREDIT
▶︎ Why You Need Credit
▶︎ What Makes Up Your Credit Score?
▶︎ What is a Credit Report?
▶︎ Credit Card Debt
▶︎ Debt Collections
▶︎ Secured vs. Unsecured Credit
▶︎ Ways to Get Your First Credit Card
▶︎ Cash Advances, Interest Rates, and Penalties
▶︎ Comparing Credit Cards (Not All Created Equal)
▶︎ Applying for Your First Credit Card
▶︎ Building Credit on Autopilot
▶︎ Buy Now, Pay Later
DEBT
▶︎ Good Debt vs. Bad Debt
▶︎ Credit Card Debt
▶︎ Auto Loans
▶︎ Student Loans
▶︎ Medical Bills
▶︎ Payday Loans
▶︎ Court Issued Debts
▶︎ Debt Consolidation
▶︎ Ways to Get Out of Debt
TAXES & INCOME
▶︎ What Are Taxes & Why Do We Pay Them?
▶︎ Types of Income
▶︎ How Taxes Affect Your Paycheck
▶︎ How to Read Your Paystub
▶︎Tax Brackets
▶︎ Form W-4 Explained
▶︎ Other Tax Forms You Need to Know About
▶︎ Filing Your Own Taxes vs. Hiring a Tax Professional (CPA)
INVESTING
▶︎ Investing Basics
▶︎ The Power of Compound Interest
▶︎ IRAs and 401(k)s
▶︎ Risk Tolerance and Your Personality
▶︎ DIY vs. Hiring a Professional
▶︎ Investment Strategies
▶︎ Order of Operations for Investing
▶︎ The 5 Step Process to Start Investing
▶︎ What is a Custodial Roth IRA? (Video for Parents)
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Topics Covered Inside Rethink Financial Education
BANKING
We have a lifelong relationship with banks, so it's important to understand how they work.
BUDGETING
Creating a budget that's relevant to your lifestyle is essential for financial success.
CREDIT
Credit is a tool that can make your life easier --
if you know how to use it without going into debt.
DEBT
Understanding how debt accumulates, how to avoid it, and what happens when you have it will make debt less overwhelming.
TAXES & INCOME
Taxes are your biggest lifetime expense. Knowing how they affect your paycheck will help you avoid unpleasant surprises.
INVESTING
Time is on your side when you're young and investing early is the best way to reach your long-term financial goals.
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By the end of this program, students will have...
A clear understanding of how to apply financial education in their own life.
The students won’t just be LEARNING about financial literacy, they will immediately put that information to work and apply those concepts to their life.
The ability to make intentional decisions with their money.
Your student will skip the struggle of trial and error and go straight to making good decisions using the action plans we outline in this course. You'll be setting your student up for financial success as a young adult.
A solid foundation for their personal finances.
Putting all of this information into action will take time. The action plans that go along with the lessons are designed to take the guesswork out of finances and help your student graduate with a solid financial foundation.
A system that works.
They’ll learn how to automate their finances and maximize their ability to save for future goals and build credit without going into debt.
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6 Modules
This course covers
Banking, Budgeting, Credit, Debt, Income & Taxes, and Investing.
59 Video Lessons
Because attention spans are shorter than ever, each video lesson is under 10 minutes.
PDF Downloads
Guides, Checklists, and Worksheets for your students to reference and work through everything they learn.
Teacher's Guide
A road map of what students will learn and questions to foster engagement.
What's Included in Rethink Financial Education
Captions & Transcriptions
We offer a variety of ways for the content to be consumed to meet the needs of different learning styles.
Pre & Post Assessments
Students will be evaluated on how prepared they feel managing their own finances after graduation.
Auto-Graded Quizzes & Tests
Each lesson requires a passing grade of 80% in order to unlock the next lesson.
Auto-Graded Final Test
Once all six modules have been completed, students will be tested on what they learned throughout the course.
what makes us different?
WE TEACH A REALISTIC APPROACH TO BUILDING AND USING CREDIT
It's nearly impossible to get by without credit as an adult. We provide strategies for building credit on autopilot, to help them avoid going into debt.
STUDENTS set up a real financial system
Using a Crawl-Walk-Run method, students not only learn about finances, but setup a system that can be utilized throughout their life.
individual, on-demand access
Students can access the content at any time, from any place, on any device.
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