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Money Smart is a free of charge financial education curriculum from the FDIC for individuals of all ages and areas served. It was designed to help people increase financial skills and help low- to moderate-income individuals manage their finances.
Adults
Covers basic financial topics such as:
- Money values and influences
- Financial products and services offered by financial institutions
- Tracking income and expenses
- Spending and saving plans
- Importance of saving
- Credit reports and scores
- Borrowing basics
- Managing debt
- Using credit cards
- Building your financial future
- Protecting your identity and other assets
- Buying a home
- Housing decisions
- How to financially prepare and recover from disasters
Older Adults
Provides new information and resources for older adults and their caregivers such as:
- Common types of fraud and scams
- Identity theft, including medical identity theft
- Common types of elder financial financial exploitation
- Ways to keep your information safe and secure with advanced planning
- Planning for unexpected life events
- How to be financially prepared for disasters
Young Adults
Helps teens learn basic financial lessons related to topics such as:
- Earning money and managing a paycheck
- Career and job opportunities entrepreneurship
- Understanding the economy
- Introduction to taxes
- Spending and budgeting
- Saving and investing
- Financial goals
- Borrowing and credit
- Financial protection
- Insurance
- Financial risk and risk management
Youth
Introduces Elementary School Students to key personal finance concepts such as:
- Understanding currency
- Earning money, including exploring careers and income
- Needs and wants
- Saving and spending, including budgeting
- Setting goals
- Borrowing and lending, including payment options
Small Businesses
Introduces topics related to starting and managing a business, including ones such as:
- Is owning a business a good fit for you?
- Planning for a healthy business
- Managing cash flow
- Organization types
- Risk management
- Time management
- Financial management
- Recordkeeping
- Insurance
- Strong business credit
- Tax planning and reporting
- Selling your business and succession planning
- Banking services available for small businesses
