BEGINNER
Budgeting basics
- · Needs, wants and savings
- · Building your first monthly budget
- · Tracking spending without stress
SALTWATER ACADEMY
Learn. Grow. Succeed.
Practical financial knowledge in plain language — for teens, young adults, families, educators and anyone starting fresh.
Learning tracks
BEGINNER
Understanding credit
- · How credit scores work
- · Using a card responsibly
- · Reading a statement
INTERMEDIATE
Getting out of debt
- · Avalanche vs. snowball
- · Talking to lenders
- · Staying debt-free
BEGINNER
Saving & emergency funds
- · Pay yourself first
- · How much is enough?
- · Where to keep savings
INTERMEDIATE
Investing foundations
- · Risk and time horizon
- · Diversification
- · Why tracking matters
ALL AGES
Money for families & classrooms
- · Teaching kids about money
- · Allowance and first jobs
- · Classroom discussion guides