High School

How do you see your life path when you are in your 20s, 30s, 40s, and beyond? Financial decisions you make now can mean freedom to pursue your passions in your adult years or having limited choices due to excess debt or not enough savings.

Pathway to Financial Success empowers you to take control of your financial future. Explore the self-paced online modules and other tools to equip you to make sound financial decisions to meet your life goals.

Unit 1 : Being Financially Responsible

Interactive Capture Sheets
Topic 1-5

Being Financially Responsible

10–15 minutes per topic

Use these interactive capture sheets as a way to reflect on the modules and keep track of what you learned. Your future self will be glad you did!

Self-paced Module
Topic 1

Imagining Your Financial Future

10 to 15 minutes

What are your goals for the future? Learn about setting goals and financial success strategies to help you reach those goals.

Launch Module  

Self-paced Module
Topic 2

Setting SMART Goals

10 to 15 minutes

How can you increase your chances of reaching your financial goals? Learn the value of creating goals that are SMART: specific, measurable, achievable, relevant, and time bound.

Launch Module  

Self-paced Module
Topic 3

Money Habits

10 to 15 minutes

Money habits include the ways you spend, save, and talk about money. Learn the differences between good and bad money habits and how to form good money habits.

Launch Module  

Self-paced Module
Topic 4

Budgeting for Success

10 to 15 minutes

Is one way of budgeting better than another? Discover Learn about different approaches to budgeting and how technology can make budgeting easier.

Launch Module  

Self-paced Module
Topic 5

Spending Wisely

10 to 15 minutes

What should you think about before making a purchase? Learn to analyze your spending choices and the factors that affect your spending, so you can think before you spend.

Launch Module  

Supplemental Resource Links

How to Achieve Your Financial Goals

American Institute of Certified Public Accountants 360 Degrees of Financial Literacy

Find out how to set goals, determine milestones, and develop good money habits.

Stay Focused on My Goals

FDIC’s How Money Smart Are You?

Review these tips for staying focused on your financial goals. Which ones would work well for you? Do you have any to add to the list?

Budgeting Basics

PBS Two Cents

Explore a five-category approach to budgeting, strategies to create a spending plan, and how budgeting can reduce stress.

What’s Your Money Sign?

PBS Two Cents

You might know your astrological sign, but what about your money sign? Check out this video and see which of the six money signs you relate to the most.

StickK

StickK

Could you use some support reaching financial or other goals? Apps like StickK (and others) can help you to set goals and track your progress.

Create My Monthly Spending and Saving Plan

Federal Deposit Insurance Corporation (FDIC)

Use this interactive budgeting tool to create a monthly spending and saving plan. Then see if your income is enough to cover your expenses.

Financial Personality Quiz

The Myers-Briggs Company and Marcus by Goldman Sachs

Take this 10-question quiz and find out if you are a value-based planner, laid-back balancer, short-term strategist, or confident money manager. Discover just what that means.

How Social Media Keeps You Poor

PBS Two Cents

Is social media influencing your spending? Check out this 10-minute video and think about how often you see ads and branded content online.

Budget Calculator

Pennsylvania Higher Education Assistance Agency

After entering income and expenses, use this calculator to determine whether a budget is balanced.

Unit 2 : Using Financial Services

Interactive Capture Sheets
Topic 1-5

Using Financial Services

10–15 minutes per topic

Wondering how to keep track of what you learned in this module? These interactive capture sheets provide an opportunity to record what you learned and reflect on your own use of financial services.

Self-paced Module
Topic 5

Making Everyday Purchases

10 to 15 minutes

What is the difference between using cash, debit, checks, and credit? Understand the costs and benefits of using various methods of payments for everyday purchases.

Launch Module  

Self-paced Module
Topic 1

Understanding Financial Institutions

10 to 15 minutes

How can banks and credit unions help you achieve your financial goals? Learn about financial institutions and the products and services they offer.

Launch Module  

Self-paced Module
Topic 2

Deciding Where and How to Bank

10 to 15 minutes

What factors should you consider when choosing a bank? Learn how to compare features and costs of services offered by financial institutions.

Launch Module  

Self-paced Module
Topic 3

Opening New Accounts

10 to 15 minutes

How do you open an account at a financial institution? Learn what to expect when opening a new account along with reviewing steps to take once an account is open.

Launch Module  

Self-paced Module
Topic 4

Using Mobile Banking

10 to 15 minutes

How can you safely bank from your phone? Explore common online and mobile banking features, and learn how to prioritize personal mobile banking needs.

Launch Module  

Supplemental Resource Links

Dial M For Money: Can Mobile Banking Lift People Out Of Poverty?

National Public Radio (NPR)

National Public Radio explains how people in Kenya are using mobile banking to improve their economic well-being.

Is Cash Going Extinct?

PBS Two Cents

Consider if there will be a time when we won’t need cash and whether it is legal for businesses to refuse cash for payment.

Checklist for Opening a Bank or Credit Union Account

Consumer Financial Protection Bureau

Be prepared when you go to open a checking account with this checklist of information to bring and questions to ask.

Millions of ‘Unbanked’ Americans Lack Adequate Access to Financial Services

PBS News Hour

Explore the reasons many people choose not to use financial institutions and how some are trying to change that.

How to Get the Best Banking Experience

American Institute of Certified Public Accountants 360 Degrees of Financial Literacy

Learn why people have bank accounts, what account types are available, how to automate payments and savings, and how to avoid fees.

My Banking Checklist

FDIC’s How Money Smart Are You?

Use this tool to compare three different financial institutions with questions ranging from your personal needs to the products each offers.

NGPF Bank Simulator

Next Gen Personal Finance

Try your hand at managing a bank account with this free simulation.

Credit Cards

Napkin Finance

Discover the differences between credit and debit cards and why they matter.

Banks and Alternatives

Federal Reserve Bank of St. Louis

Watch this five-minute video to find out about payday lenders, pawn brokers, and check cashers and consider the costs and benefits of using these alternatives to banks.

Unit 3 : Financing Your Future

Interactive Capture Sheets
Topic 1-5

Financing Your Future

10–15 minutes per topic

How can you keep track of what you learned in this unit about Financing Your Future? Take notes, develop a personal action plan, and reflect on what you learned with this interactive capture sheet.

Self-paced Module
Topic 5

Understanding Education Financing Options

10 to 15 minutes

Compare education financing options to make informed choices. Find out the difference between loans and grants/scholarships. Learn about loan terms, GPA requirements, and duration of aid.

Launch Module  

Self-paced Module
Topic 1

Exploring Earning Potential

10 to 15 minutes

How does education and training impact how much money you will earn in the future? Examine information on earnings for specific occupations and learn what to look for when researching earnings and careers.

Launch Module  

Self-paced Module
Topic 2

Weighing Your Career Options

10 to 15 minutes

How do you pick a career? Examine factors, such as potential earnings, job availability, opportunities for advancement, and education requirements.

Launch Module  

Self-paced Module
Topic 3

Choosing Your Path After High School

10 to 15 minutes

What education and/or training will you need to achieve your personal career goal? Learn about the options available after high school, and consider the various benefits and tradeoffs of these options to help guide your decision-making process.

Launch Module  

Self-paced Module
Topic 4

Financing Further Education

10 to 15 minutes

How will you and your family pay for your education and training after high school? Explore options such as scholarships, grants, loans, work study, apprenticeships, and military service.

Launch Module  

Supplemental Resource Links

Saving for College

Federal Reserve Bank of St. Louis

View a video of a student comparing jobs and considering the return on investment of higher education.

Payback

Next Gen Personal Finance and McKinney

Play this game to learn about the issues involved with paying for higher education. Use this worksheet to record your insights and help you plan.

Occupational Handbook

U.S. Bureau of Labor and Statistics

Explore information on duties, education and training, pay, and the outlook for hundreds of occupations through this federal government website.

Human Capital Infographic

Federal Reserve Bank of Atlanta

How long does it take to become a millionaire? Check out this infographic to see how education can make a million dollars come sooner, or later.

It’s a Plan

Oregon GearUp

Find checklists to keep yourself on track as you get ready for college. Checklists cover important tasks for you to accomplish during each grade in high school, broken down by month. (Also available in Spanish.)

Cost of Living Calculator

CNN Money

Students find out how much they would need to earn if they moved to a different part of the country.

College Scorecard

U.S. Department of Education

This resource helps you know what graduates from a particular college are earning after school? You can even explore data by major.

Careers in the Military

U.S. Department of Defense

Explore information about military careers.

Student Loans

Napkin Finance

Explore this infographic and find out about the different kinds of student loans.

My Next Move

U.S. Department of Labor

Explore this site to learn about careers by searching, browsing by category, or completing an interest survey. (Also available in Spanish.)

Will Your Job be Done by a Machine

National Public Radio

What are the chances a job you want will be done by a machine 20 years from now? Discover the probability and learn what factors influence the answer.

Career Outlook

U.S. Bureau of Labor and Statistics

Access up-to-date information on job trends including articles and graphic displays of data.

Unit 4 : Getting Paid

Interactive Capture Sheets
Topic 1-5

Getting Paid

10–15 minutes per topic

Use these interactive capture sheets to record what you learned. Taking notes and putting your reflections in writing can help commit your ideas to memory.

Self-paced Module
Topic 5

Creating Your Own Job

10 to 15 minutes

How would you like to be your own boss someday? With the right idea and hard work, you could become an entrepreneur. Learn how.

Launch Module  

Self-paced Module
Topic 1

Preparing for Work

10 to 15 minutes

How do you get your desired job? Learn key job search skills, including networking and research. See how to prepare your résumé, cover letter, and job application.

Launch Module  

Self-paced Module
Topic 2

Calculating Different Types of Pay

10 to 15 minutes

What difference does it make if you earn a salary, tips, commission, or another type of pay? Does it make a difference if you are an employee or a contractor? Complete this module and find out.

Launch Module  

Self-paced Module
Topic 3

Comparing Job Offers

10 to 15 minutes

What should you look for in a job offer? Learn how to explore income and non-income factors, such as insurance, flexibility, and personal satisfaction when considering a job.

Launch Module  

Self-paced Module
Topic 4

Paying Taxes

10 to 15 minutes

Why is money taken out of your paycheck? How do you benefit from paying taxes? Examine parts of a paycheck and typical deductions for taxes and benefits.

Launch Module  

Supplemental Resource Links

Influenc’d

Next Gen Personal Finance (NGPF)

Play this game and view the world of entrepreneurship through the eyes of an influencer.

Read a Pay Statement

Federal Deposit Insurance Corporation (FDIC)

Explore the elements of a pay statement and compare them to one you or someone else has received.

Resume Generator

Read.Write.Think

Enter your personal information to build chronological or functional résumés. When you complete your résumé, you can save, print, or email it. You will also have the opportunity to compose a cover letter.

Choosing Between Offers

Massachusetts Institute of Technology’s Career Advising & Professional Development

Use this worksheet to rate and then score over 20 factors you might consider when deciding between jobs.

How to Weigh Job Benefits

PBS Two Cents

Watch this video to learn about common job benefits and the importance of calculating total compensation.

Calculate Total Compensation

CalXML

Put in information about wages, time off, and retirement benefits to calculate total compensation from a job.

The Power of Passion

TEDEd

Watch this video from TEDEd about the role of passion in choosing a job. After watching, answer some questions for yourself and dig deeper with links to additional resources.

State Minimum Wage Laws

U.S. Department of Labor

Check out this interactive map to see how the minimum wage varies from one state to another.

Should I Stay or Should I Go?

Fidelity Investments

Enter information about a current job and a potential job to weigh the costs and benefits of making a change.

Unit 5 : Paying Yourself First

Interactive Capture Sheets
Topic 1-5

Paying Yourself First

10–15 minutes per topic

These interactive capture sheets offer a place to keep your notes and reflections. Consider revisiting them when you are faced with savings decisions in the future.

Self-paced Module
Topic 5

Choosing a Savings Method

10 to 15 minutes

During this module, you will compare various savings methods, including certificates of deposit, savings accounts, and money market accounts, and consider the benefits and tradeoffs of each.

Launch Module  

Self-paced Module
Topic 1

Deciding To Save Money

10 to 15 minutes (plus optional discussion)

What will happen if you don’t save money? Learn why saving early can pay off big as you move through different stages of your life, and build strategies to help you think smart about your spending and savings decisions.

Launch Module  

Self-paced Module
Topic 2

Setting Savings Goals

10 to 15 minutes

Once you have a savings goal, how do you reach it? Achieve your savings goals by exploring various categories in which they might fall, how long they will take to reach, and how to balance multiple savings goals over time.

Launch Module  

Self-paced Module
Topic 3

Find Money to Save

10 to 15 minutes

With this module, get an overview of the principles and purpose of saving money and learn strategies for saving money.

Launch Module  

Self-paced Module
Topic 4

Growing Savings Through Compound Interest

10 to 15 minutes

Why it is important to start saving money now? Explore the power of compound interest by seeing how people who save small amounts early on increase their money.

Launch Module  

Supplemental Resource Links

3 Psychological Tricks to Help You Save Money

TED

Discover tricks you can use to save more money more often. 

54 Ways to Save Money

America Saves

Check out this list of 54 ways to cut costs and find money to save in areas such as food, entertainment, and transportation.

Savings: One Penny at a Time

Napkin Finance

How much about saving money could you fit on a napkin? Check out this infographic and the short video that goes with it.

Why Should You Save And Invest?

Federal Reserve Bank of Atlanta

Explore the differences between saving and investing and common tools used for each.

Unique Money Traditions from Around the World

PBS Two Cents

Watch this video and learn how money habits, values, and experiences can be influenced by culture and tradition.

Emergency Savings Calculator

American Institute of Certified Public Accountants 360 Degrees of Financial Literacy

Find out how long it will take for you to build an emergency fund based on your personal circumstances.

How to Save Money

NerdWallet

Learn how to save money on daily, monthly, and yearly expenses.

Setting a SMART Savings Goal

Consumer Finance Protection Bureau (CFPB)

Apply the elements of a SMART goal to the topic of savings with this student worksheet.

Why You NEED an Emergency Fund!

PBS Two Cents

Why do you need an emergency fund and what happens if you don’t have one? Find out with this video.

Options for Storing My Savings

Consumer Finance Protection Bureau (CFPB)

Learn about common ways you can store your savings, along with a few benefits and risks of each option.

Storing My Savings

Consumer Finance Protection Bureau (CFPB)

Use this worksheet to compare nine options of places to keep your savings, including several different types of accounts.

Find Money to Save

FDIC's How Money Smart Are You

Check out this list of twenty strategies for saving money and see which ones might work for you.

Unit 6 : Using Credit Wisely

Interactive Capture Sheets
Topic 1-5

Using Credit Wisely

10–15 minutes per topic

Use these interactive capture sheets to take notes on what you learned about credit, including how to access your credit report and build credit.

Self-paced Module
Topic 5

Managing Debt

10 to 15 minutes

In this module, explore strategies for paying off debt (lowest balance first vs. highest interest rate first; debt transfer and consolidation), how to avoid scams, and the cost of poor debt management.

Launch Module  

Self-paced Module
Topic 1

Understanding Credit

10 to 15 minutes

What is credit, and what are the different types of credit? Understand the basics of credit in this introductory overview. After learning the definition of credit, we will explore the three main types of credit along with their similarities and differences.

Launch Module  

Self-paced Module
Topic 2

Deciding When to Use Credit

10 to 15 minutes

When should you use credit and when should you avoid it? In this module, you will explore benefits and tradeoffs of using credit, including building credit over time, purchasing a home, or funding your education. You will also learn how to compare credit offers.

Launch Module  

Self-paced Module
Topic 3

Checking Your Credit Report

10 to 15 minutes

What is a credit report, and how do you know what’s in yours? Learn how to access your credit report, what information you can expect to find on it, and the steps you should take after obtaining it.

Launch Module  

Self-paced Module
Topic 4

Improving Your Credit Score

10 to 15 minutes

How do lenders judge if lending you money is worth the risk? Most likely, they will check your credit score. In this module, find out the parts of a credit score, and how you can improve your credit score to help you get favorable loans on houses and cars in the future.

Launch Module  

Supplemental Resource Links

Is There Such a Thing as Good Debt?

PBS Two Cents

There are lots of opinions about debt. Use this video to help form your own.

Understanding How a FICO Credit Score is Determined

Federal Reserve Bank of St. Louis

Watch this six-minute video to find out how credit scores are calculated and what impacts a person's score.

Are You Ready for Your First Credit Card?

TransUnion

Take this quiz to figure out if you’re ready for a credit card.

The Amazing $2,000 Pizza

Federal Reserve Bank of St. Louis

Watch this three-minute video to learn how credit cards work and how misusing them can lead to paying $2,000 for pizza!

Credit Decisions

Council for Economic Education

Watch this four-minute video for an overview of what loans are, the Five Cs of credit, and what to consider when comparing credit offers.

Credit Bureaus: The Record Keepers

Federal Reserve Bank of St. Louis

Find out about the credit bureaus that track your credit history, how they work, and why it matters to you.

Credit Scores

Federal Trade Commission

What’s your credit score and why does it matter? Check out this federal government site to find out about credit scores and how you can work to improve your score.

Credit Score Video

Council for Economic Education

Watch this two-minute video about a young entrepreneur who needs to improve his credit to start his business.

Credit Clash

Next Gen Personal Finance (NGPF)

Battle your way to a perfect credit score in this fun game and learn what makes credit scores go up and down.

How to Build Credit from Scratch!

PBS Two Cents

It can be challenging to obtain credit without a credit history, especially when you are young. Watch this video and learn ways to build credit.

How to Build Credit at 18

Nerdwallet

Read about steps you can take to build credit as a young adult, like becoming an authorized user, getting a credit-builder loan or secured credit card, and more.

Credit Score Estimator

FICO Simulation

Use this estimator to see what your credit score might look like now and in the future. Enter different responses to the 10 questions and evaluate how they impact the results.

Credit Score Basics

Experian

Explore this site for more detailed information on credit scores including credit utilization rates—a concept that confuses many people.

How to Use AnnualCreditReport.com

NerdWallet

This site explains how to get your credit reports through the government-endorsed website for free credit reports and what you should look for in your reports.

Debt Diaries

ABC's Good Morning America

Be inspired by these stories of people facing—and rising above—their debt management challenges.

AnnualCreditReport.com

Equifax, Experian, and TransUnion

When you turn 18, use this site to request free copies of your credit report each year. Until you are 18, you may preview the site and bookmark it for future use. (Or you can ask your parents about accessing your credit report.)

Should You Consolidate Your Debt?

PBS Two Cents

Some people with debt combine it into one new loan, but is that a good idea? Learn the pros and cons of debt consolidation with this video.

Managing Debt

Federal Trade Commission (FTC)

Check this site for an overview of what debt is, strategies to reduce debt, and advice for how to work with debt collectors.

Unit 7 : Making Major Financial Decisions

Interactive Capture Sheets
Topic 1-5

Making Major Financial Decisions

10–15 minutes per topic

These interactive capture sheets offer prompts to help you take notes and give you something to look back on when the time comes to making major financial decisions like purchasing a car, home, or insurance.

Self-paced Module
Topic 5

Understanding Your Consumer Rights

10 to 15 minutes

Learn how to be an informed consumer, who carefully examines the source of information, and is less likely to get cheated.

Launch Module  

Self-paced Module
Topic 1

Paying for a Vehicle

10 to 15 minutes

You may be hoping to buy a car. Explore whether you should get a new or used vehicle. Learn the difference between leasing and buying a vehicle, and consider the benefits and tradeoffs of various options.

Launch Module  

Self-paced Module
Topic 2

Renting or Buying a Home

10 to 15 minutes

When it comes to housing, is it better to rent or buy? Learn the key terms and concepts related to renting and buying, and take a “personality” quiz to determine whether your preferences would steer you more toward one of those options.

Launch Module  

Self-paced Module
Topic 3

Understanding Insurance

10 to 15 minutes

Why do people pay for insurance, and how does it work? In this module you will learn all about insurance, how it works, key terms and discover the factors that might influence the amount people pay for insurance.

Launch Module  

Self-paced Module
Topic 4

Choosing an Insurance Plan

10 to 15 minutes

Explore factors to consider when selecting an insurance plan and ways to reduce costs including staying on your parents’ plan.

Launch Module  

Supplemental Resource Links

Bummer!

Next Gen Personal Finance

Play this fun game and see firsthand the impact of pet, rental, and auto insurance choices.

Buying and Owning a Car

Federal Trade Commission (FTC)

Learn about buying, leasing, renting, and maintaining vehicles. Watch the video in the "Are Car Ads Taking You for a Ride?" section to help you be a smarter car buyer.

Is It Better to Rent or Buy?

The New York Times

Deciding to buy a home will be one of the biggest financial decisions you will make. By adjusting the variables on this calculator, you can explore factors to consider when deciding to rent or buy.

Explore Three Methods for Estimating Affordable Housing Payments

FDIC’s How Money Smart Are You?

How do you know how much you can afford to spend on housing? Compare three basic methods for figuring that out.

Review My Lease

FDIC’s How Money Smart Are You?

What should you look for before signing a lease for an apartment or home? Use this tool as a checklist.

How Cars Can Keep You Poor

PBS Two Cents

Thinking about getting a car? Make sure you understand everything it will cost and how depreciation works.

State Consumer Protection Offices

U.S. Government

Use this site to locate the consumer protection agencies in your state.

Consumer.gov

Federal Trade Commission

Visit this one-stop-shop for helpful explanations on consumer financial issues. You will find out what to look out for, how to prevent fraud, and which government agency to contact if you have a problem.

Consumer Rights Resources

Life Smarts

Check out the LifeSmarts competition for students to show what you know about consumer issues.

Shop Wisely for Insurance

FDIC’s How Money Smart Are You?

Shopping for insurance can be hard. This guide suggests what to look for and where to turn for trustworthy information.

I'm Young & Healthy, Can I Skip Health Insurance?

PBS Two Cents

Is paying for health insurance worth it, especially for young and healthy people? Watch this video and form your own opinion.

Life Happens

Life Happens

Calculate how much life insurance you might need and learn why life insurance is important for people in different situations.

Unit 8 : Growing and Protecting Your Finances

Interactive Capture Sheets
Topic 1-5

Growing and Protecting Your Finances

10–15 minutes per topic

How will you remember what you learned about Growing and Protecting Your Finances in these modules? Check out these interactive capture sheets and use them to record what you learned.

Self-paced Module
Topic 5

Getting Help with Financial Decisions

10 to 15 minutes

Explore different ways that people can get help making financial decisions, and discover ways you can first help yourself by locating sound and trustworthy sources of financial information.

Launch Module  

Self-paced Module
Topic 1

Understanding Investing Options

10 to 15 minutes

Explore different types of investments (stocks, bonds, mutual funds, and money market account) and the possible risks and rewards of each.

Launch Module  

Self-paced Module
Topic 2

Building a Diversified Portfolio

10 to 15 minutes

Learn about the different risks associated with investing in stocks, bonds and mutual funds, and discover ways to diversify your portfolio to balance that risk.

Launch Module  

Self-paced Module
Topic 3

Making Charitable Donations

10 to 15 minutes

Check out different types of charitable organizations, learn how to make wise giving decisions, and know the potential tax benefits of making charitable contributions.

Launch Module  

Self-paced Module
Topic 4

Avoiding Financial Fraud

10 to 15 minutes

Get an overview of different types of financial fraud including identity theft and investment fraud and learn strategies to reduce your risks.

Launch Module  

Supplemental Resource Links

STAX

Next Gen Personal Finance

See if you can “beat the market” in this investing game and learn about different investment options as you go.

Financial Markets

Council for Economic Education

Watch this four-minute video to find out how people make—and lose—money through investing. Stocks, bonds, mutual funds, and exchange-traded funds are explained.

What the Heck Are Mutual Funds?

PBS Two Cents

Learn about mutual funds, how they work, and why many people choose them when investing.

Index Funds

The Balance

Read this article to find out what index funds are and how they can help you as an investor.

Diversification

Napkin Finance

Look at this infographic showing how diversification works. Examples demonstrate the difference between an aggressive and conservative portfolio.

Crypto Craze

Next Gen Personal Finance (NGPF)

Play this game and learn more about cryptocurrencies, including just how volatile they can be.

Charity Navigator

Charity Navigator

Research and compare organizations that you may want to support.

50 Community Services Ideas for Teen Volunteers

Teen Life

Check out this list of 50 ways you could give back to your community.

Charity Reports

Charity Watch

How much of your donation will support its intended cause? Find out with this tool.

10 Common Scams Targeted at Teens

Investopedia

Many financial scams are targeted at teens. Take steps to avoid becoming a victim of one.

Top 5 Biggest Financial Scams

PBS Two Cents

With this video, students learn about common investment scams, including Ponzi schemes, pyramid schemes, pump-and-dump scams, IRS imposter scams, and phishing.

Child Identity Theft

Federal Trade Commission (FTC)

Learn how you can find out if you have already become a victim of identity theft, steps you can take if you have, and ways to prevent it if you haven’t. Some might require the help of a parent or guardian.

Should I Use a Robo-Advisor?

PBS Two Cents

Can a “robot” help you make sound investing decisions? Learn what robo-advisors do, how investors can use them, and the potential downsides for some people.

Manage My Own Investments? Are You Kidding?

Investopedia

Read this article to understand the benefits and tradeoffs of investing with help from a financial professional.

What Do Financial Experts Do?

PBS Two Cents

Watch this video and find out who you might want to have on your side as you make financial decisions down the road.