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Awareness and understanding of core personal finance principles including the following:

1. Budgeting

   • Understand the definition of budgeting and why it’s important
   • Understand the types of budget approaches

• • Learn the general process of budgeting

1. • Develop a clear understanding of the tools and resources for implementing a budget

2. Saving and Reserving

   • Understand the types of savings vehicles
   • Learn the process of goal setting and matching savings to specific goals

3. Credit and Debt

   • Understand the purpose of credit and debt
   • Learn the types of credit and debt and the appropriate uses of each and when to use credit/debt

4. Insurance

   • Understand the purpose of insurance
   • Learn the types of insurance (i.e. life, health, etc.), types of coverage, and the common uses of each

5. Investments

   • Description of Account types and investment vehicles
   • Overview of markets, asset classes, and financial instruments

• • Understand the common uses of each of the general financial instruments within the context of wealth building and wealth preservation.