FINANCIAL LITERACY

The 50/30/20 Rule

Using this practical budgeting framework, you’ll understand how to divide your income into needs, wants, and savings. We’ll explain how this rule can help you build financial discipline and long-term stability.

Increasing Your Credit Card Limits

You’ll learn proven strategies to responsibly raise your credit limit over time, improving your credit score and giving you greater financial flexibility.

How Tax Brackets Work

We’ll clarify how U.S. tax brackets function, helping you understand marginal tax rates and how your income is taxed—so you’re never caught off guard at tax time.

The Importance of a Savings Account

You’ll learn the purpose of a savings account, how it supports emergency preparedness, and why separating your savings from everyday spending is key to financial growth.

Before You Open Your First Credit Card

We’ll cover the essentials of choosing your first credit card, from interest rates to annual fees and rewards programs, so that you can make informed and confident decisions.

What Credit Bureaus Look For

We’ll break down the key factors that influence your credit score, such as payment history, credit utilization, and account age, so you can take control of your credit score.