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Level 4 · Decision Making
Charting the Course
Goals, complete costs, borrowing, purchases, and financial cushions
“I can compare my options and choose a path that fits my priorities.”
5 modules · about 226 minComplete Level 3
- Open module
Module 014
Save With a Purpose
Set a reachable savings target; then adjust when plans change.
44 min · Complete module 013
- 14.1 · Set a Reachable Savings TargetTurn a goal into a gap, a weekly contribution, and a date. · 22 min
- 14.2 · Adjust When Plans ChangeRevise a goal's date, size, or funding when the contribution has to drop. · 22 min
- Open module
Module 015
Smart Spending Decisions
Price a purchase in hours; then compare recurring versus one-time costs.
44 min · Complete module 014
- 15.1 · Price a Purchase in HoursConvert a price into working hours and weigh it against the next-best alternative. · 22 min
- 15.2 · Recurring Versus One-Time CostsCompare a subscription to a purchase across the period you will actually use it. · 22 min
- Open module
Module 016
Comparison Shopping
Compare the total delivered price; then read the terms before you buy.
44 min · Complete module 015
- 16.1 · Compare the Total Delivered PriceJudge offers on delivered cost, unit price, and how long the thing lasts. · 22 min
- 16.2 · Read the Terms Before You BuyCheck returns, warranties, trials, and pressure tactics before money moves. · 22 min
- Open module
Module 017
Borrowing Basics
What financing really costs; then minimum payments and overlapping plans.
48 min · Complete module 016
- 17.1 · What Financing Really CostsCompare paying cash to paying monthly, and understand what APR does and does not mean. · 24 min
- 17.2 · Minimum Payments and Overlapping PlansSee how a minimum payment barely moves a balance, and how small plans stack up. · 24 min
- Open module
Module 018
Protect Yourself
Build a small cushion; then how insurance shares risk.
46 min · Complete module 017
- 18.1 · Build a Small CushionSeparate emergencies from predictable irregular costs and start a cushion that fits your income. · 22 min
- 18.2 · How Insurance Shares RiskRead premium, deductible, limits, and exclusions, then compare coverage to self-insuring. · 24 min