Level 5 · Stewardship
Wings of Independence
Life transitions, investing, compound growth, credit, and protection
“I can protect my financial future and keep learning as my life changes.”
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Module 019
Your Financial Picture
See your whole picture; then compare pathways after school.
46 min · Complete module 018
- 19.1 · See Your Whole PictureAdd assets, subtract debts, and keep estimated value separate from spendable cash. · 22 min
- 19.2 · Compare Pathways After SchoolPrice setup costs and monthly costs across several genuinely different routes. · 24 min
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Module 020
Saving and Investing Basics
Saving and investing are different jobs; then diversification, accounts, and red flags.
48 min · Complete module 019
- 20.1 · Saving and Investing Are Different JobsMatch money to a time horizon: preservation for soon, growth for far away. · 24 min
- 20.2 · Diversification, Accounts, and Red FlagsSpread risk, tell accounts from investments, and recognize a sales pitch. · 24 min
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Module 021
Compound Growth
How compound growth works; then test one assumption at a time.
48 min · Complete module 020
- 21.1 · How Compound Growth WorksWatch interest earn interest, year by year, against a simple-interest comparison. · 24 min
- 21.2 · Test One Assumption at a TimeChange rate, time, principal, or contributions separately to see what each one does. · 24 min
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Module 022
Credit Reports and Scores
What a credit report is; then what actually affects a score.
44 min · Complete module 021
- 22.1 · What a Credit Report IsSeparate the report from the score and learn how to check and correct yours. · 22 min
- 22.2 · What Actually Affects a ScoreWeigh the real scoring factors and retire the myth that carrying a balance helps. · 22 min
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Module 023
Fraud, Scams, and Safety
Spot the scam; then respond to fraud calmly.
46 min · Complete module 022
- 23.1 · Spot the ScamRecognize the patterns behind the scams that target students most. · 22 min
- 23.2 · Respond to Fraud CalmlyWork a clear response order and know the protections that exist for you. · 24 min
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Module 024
Capstone: Your First Month Money Mission
Manage the month; then handle a surprise and explain your choices.
70 min · Complete module 023
- 24.1 · Manage the MonthBuild your own dated 28-day plan from practice figures, separating required bills from choices. · 35 min
- 24.2 · Handle a Surprise and Explain Your ChoicesAbsorb a repair and a short paycheck, then defend your decisions with records. · 35 min