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Personal Finance

Free Personal Finance study guide: 6 units with summaries, key ideas, flashcards and 60 practice questions with step-by-step solutions.

Lines up with: State personal finance graduation standards; W!SE Financial Literacy Certification.

Units

1. UNIT 01

   Earning income and taxes

   Your income depends on education, skills and career choices, and taxes and deductions turn gross pay into take-home pay.
2. UNIT 02

   Budgeting and banking

   A budget plans spending and saving, and bank accounts store money safely and make payments easy.
3. UNIT 03

   Saving and investing

   Compound interest grows money over time, and investing balances risk and return through diversification and long-term accounts.
4. UNIT 04

   Credit and debt

   Credit lets you borrow now and pay later, but interest adds to the cost, and your credit history affects future borrowing.
5. UNIT 05

   Insurance and risk management

   Insurance transfers the risk of large financial losses to an insurer in exchange for regular premiums.
6. UNIT 06

   Consumer skills and major purchases

   Smart consumers compare options, understand contracts, and plan major purchases like cars and homes carefully.