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My Money. My Next Step.

Free · Self-paced · No account needed

My Money. My Next Step.

A Practical Money Management Course for Young Adults

Plain-language lessons for ages 18–25. Wherever you're starting from — steady pay or not, bank account or not — this course meets you there.

Start LearningMoney Vocabulary

12 modules · 25–35 minutes each

What you'll be able to do

  • Explain why money skills matter and what financial wellbeing means to you

  • Read a pay statement and plan around changing income

  • Use checking and savings accounts and avoid surprise fees

  • Set goals and build a budget that fits real life

  • Understand credit reports, scores, and healthy credit habits

  • Compare borrowing costs and debt payoff approaches

  • Compare total costs for vehicles and housing

  • Spot scams, find trustworthy help, and write an action plan

The 12 modules

  1. 1

    Why Personal Finance Matters

    25 minutes · See how money knowledge supports informed choices — wherever you're starting from.

  2. 2

    Money Basics and Vocabulary

    25 minutes · Connect earning, spending, saving, borrowing, and protecting — and learn the words.

  3. 3

    Understand Income and Pay

    30 minutes · Read a pay statement, know gross vs. take-home pay, and plan for pay that changes.

  4. 4

    Manage Checking and Savings

    35 minutes · Use accounts practically, read a statement, and avoid surprise fees.

  5. 5

    Set Financial Goals

    25 minutes · Turn your own priorities into clear goals with a next action and check-in date.

  6. 6

    Build a Budget That Fits Real Life

    35 minutes · Create a flexible spending plan for weekly, biweekly, or monthly pay.

  7. 7

    Reach Goals Through Budgeting

    30 minutes · Make goals actionable with sinking funds, milestones, and plan reworks.

  8. 8

    Build and Maintain Good Credit

    35 minutes · Understand credit reports and scores, and the habits that support healthy credit.

  9. 9

    Borrowing, Interest, and Debt

    35 minutes · Understand loan terms, compare payment approaches, and know where to get help.

  10. 10

    Plan for a Vehicle Purchase

    35 minutes · Decide if you need a vehicle, budget total transportation, and compare offers.

  11. 11

    Find Affordable Housing and Plan Housing Costs

    35 minutes · Plan the all-in cost of renting, review a lease, avoid scams, and learn homebuying basics.

  12. 12

    Protect Your Money and Create Your Action Plan

    35 minutes · Plan for emergencies, spot scams, find trustworthy help, and write your action plan.

Start Learning