Financial Literacy

Saving and Budgeting
Covers essential budgeting techniques, building emergency savings, and setting financial goals. It emphasizes disciplined saving and practical strategies for managing day-to-day finances within one's means.

Investing
Introduces investing basics, including stocks, bonds, mutual funds, and retirement accounts. Focuses on diversification, risk management, and strategies like dollar-cost averaging for long-term wealth building.

Debt and Credit Management
Focuses on responsible debt management, distinguishing between good and bad debt, improving credit scores, and effective debt repayment strategies, including consolidation options.

Real Estate and Homeownership
Explores the financial implications of buying vs. renting, real estate investment, and homeownership costs. It includes mortgage options and programs for veterans, along with basics of home equity loans.

Insurance and Risk Management
Provides insights on different types of insurance (life, health, auto) and assessing coverage needs. Also covers estate planning essentials, such as wills and trusts, to ensure financial security.

Retirement Planning
Helps participants prepare for retirement by exploring military pensions, the Thrift Savings Plan (TSP), and IRAs. Emphasizes early savings, retirement needs calculation, and income management strategies.

Tax Planning
Introduces key tax concepts like tax brackets, deductions, and credits. Guides participants on tax-efficient investing and understanding tax implications of significant life events, such as homeownership and retirement.

Entrepreneurship and Business Finance
Provides guidance on starting and financing a small business, with focus on managing business credit, taxes, and financial planning. Highlights veteran-specific resources, such as loans and grants.

Financial Protection and Estate Planning
Covers estate planning tools like wills, trusts, and power of attorney. Focuses on strategies to minimize estate taxes, protect assets, and make charitable contributions for legacy planning.

Veteran-Specific Financial Topics
Focuses on veteran financial benefits, including VA home loans, military pensions, the GI Bill, and disability compensation. Offers guidance on transitioning from military to civilian financial life.

Financial Mindset and Education
Examines the psychological aspects of money management, fostering healthier financial habits. It promotes building wealth through disciplined habits and understanding economic trends for informed decision-making.