Resources for Adults

Financial literacy empowers you to unlock a world of opportunity. We've curated a collection of free online resources designed to be your launchpad on the path to financial wellness. Explore a diverse selection of programs, articles, videos, and interactive games, all hand-picked by our team. These engaging tools will help you to build your financial knowledge and confidence, one step at a time. 

Free Online Financial Literacy Courses & Educational Tools 

<strong>Financial Literacy Course</strong>

Financial Literacy Course

This is a free online Financial Literacy course offered by Khan Academy. From understanding interest rates to navigating the stock market, this course breaks down complex concepts into easy-to-understand lessons that will empower you to take control of your money.

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<strong>CASHCOURSE</strong>

CASHCOURSE

The Higher Education Financial Wellness Alliance (HEFWA) offers a personal finance course, CASHCOURSE, designed for adult learners and can be used by anyone! It is a free online curriculum that covers topics like Spending & Saving, Credit & Debt, Investments, Insurance and more.

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<strong>Consumer Resources</strong>

Consumer Resources

The Consumer Financial Protection Bureau offers a wealth of resources including educational tools and guides to help answer many commonly asked questions as well as to help you understand and plan for big financial goals.

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Topic-Specific Resources

Retirement

Retirement

Determining your retirement readiness depends entirely on your individual goals and desired lifestyle. The first step in planning for retirement is to envision your ideal future. With a clear picture in mind, you can then develop a personalized strategy to achieve it.

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Insurance

Insurance

Insurance isn't just about safeguarding your own future – it offers financial security for those who depend on you.  A life insurance policy can act as a safety net for these loved ones in the event of your unexpected passing. It can help cover expenses like funeral costs, outstanding debts, and even provide income replacement to help them manage financially.


One of the most overlooked and misunderstood insurance topics is long-term care. This major expense has the potential to derail every financial plan at any age. Whether care is needed at home, assisted living or in a nursing facility, and whether it is for a parent, family member or yourself, care can be expensive and stressful. Long-term care planning can help.


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Estate Planning

Estate Planning

Have you ever wondered how to ensure your wishes are carried out after you're gone? Estate planning is about taking control of your future and protecting your loved ones and is not only for the wealthy. These resources are designed to be your first step towards understanding this important topic. We'll break down the complexities into easy-to-understand language, explain why estate planning is essential and outline key steps you can take now to ensure your wishes are known and your loved ones are cared for. 

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Investing

Investing

Investing involves using your money to acquire things that have the potential to grow in value over time. These things can be shares of companies (stocks), loans you give to others (bonds), or even real estate. The idea is that by owning a piece of something, you might benefit if its value increases.

There are different ways to invest, each with varying levels of risk and potential returns. Some methods might grow your money faster, but also carry a higher chance of loss. Others might be more stable but take longer to show significant results. The key is to find an investment strategy that aligns with your risk tolerance and financial goals.

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Credit &#38; Debt

Credit & Debt

Credit, when wielded responsibly, can be a powerful financial tool. Credit cards allow you to make purchases today and pay them back later, which can be helpful for emergencies or unexpected expenses and you can sometimes earn rewards like cash back or points which can be beneficial. Often people use financing for large items like cars or home purchases. Having a strong credit score can help you qualify for lower interest rates and it is important to understand how to manage credit so that it helps you instead of causing stress.

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Budgeting

Budgeting

Feeling like your money is slipping through your fingers? Budgeting can be the key to taking control of your finances. It helps you track your income and expenses, so you can see exactly where your money goes. This awareness empowers you to make informed decisions about your spending and saving habits. There are multiple budgeting methods to choose from, whether you prefer a spreadsheet, budgeting apps, or the classic pen-and-paper method. The important thing is to find a system that works for you and stick to it. With a budget in place, you can achieve your financial goals, from saving for a dream vacation to planning for retirement.

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<strong>Financing</strong>

Financing

When considering financing, first consider the cost: interest rates, loan terms, and impact on your credit score. Can you save up instead to avoid debt? Before financing, be honest about needs vs. wants and ensure you can comfortably afford the monthly payments. Shop around for the best rates and understand all loan terms before signing. Financing can be helpful, but financial literacy empowers you to use it responsibly.

Financing a Mortgage

Financing an Automobile

<strong>The Value of Having a Financial Advisor</strong>

The Value of Having a Financial Advisor

When it comes to managing your finances, it's easy to feel overwhelmed and unsure of where to begin. From investing in the stock market to saving for retirement, there are countless decisions to be made, and each one can have a significant impact on your financial future. That's where a financial adviser comes in. A financial adviser can help you navigate the complex world of finance and make informed decisions that align with your goals and values. Learn about some of the key benefits of working with a financial adviser.

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