Jackson and Isla are planning to buy a new home, but they want to know how much they should budget for repairs and upkeep each year. Can you help them figure out the usual range of yearly costs?

Imagine Jill, James, and Aria are planning to buy their dream homes! Jill earns $7,000/mo and already pays $900/mo for other debts. If she asks the bank for a mortgage, what is the highest monthly payment the bank would likely approve for her home loan?

Olivia is a former military member looking to buy her first home. She wants a mortgage with a super low interest rate and barely any down payment. Which type of mortgage should Olivia check out?

Imagine Anika, Abigail, and Isla are comparing how much they can buy with their money. The material basis of their well-being, shown by their consumption level, is called _____.

Michael, Zoe, and Abigail are chatting about what makes life awesome. They mention getting plenty of rest, spending time with friends and family, and having the freedom to do what they love. These are all examples of:

Priya, Zoe, and Mason are discussing their monthly allowance. The percentage of their income that they spend (and don't save) is called:

Maya, Ava, and Arjun are discussing economics. Can you help them figure out what "the average propensity to consume" means?

Imagine Aria, Arjun, and Oliver are talking about their finances. Which statement best describes what it means to be "living paycheck to paycheck"?

Grace and Kai are setting their SMART Goals for the school year. Can you help them out? What does the "R" in SMART Goals stand for?

Aria and William are learning about SMART Goals in class. Can you help them remember what the "S" in SMART stands for?

Aria, Anika, and Nora are playing a game called "Spot the Real Asset!" Which of the following is an example of a "real asset"?

James wants to buy a cool new vehicle! He decides to take $9,000 from his savings account and purchase a $30,000 vehicle (financing the rest). How will James's assets on his net worth statement change after this exciting purchase?

David just checked his net worth, and it's $50,000! He decides to pay off his student loan using money from his savings account. What will happen to David's net worth statement after this move? (Lesson 2-4, PPT 9)

Olivia and William are reviewing their club's finances. Which of the following best describes what an Income and Expense statement would help them do? (Lesson 2-5, PPT 3)

Maya and Aria are reviewing their finances. They want to know which financial statement helps them look back at a past period to see all the money that came in and went out. Can you help them choose the right statement? (Lesson 2-5, PPT 3)

Kai, Aria, and Maya are playing a game where they have to spot the odd one out! Which of the following is not an example of unearned income? (Lesson 2-5, PPT 4)

Michael, Abigail, and Charlotte are comparing the costs of owning a shiny new car. Which expense will take the biggest bite out of their wallets? (Lesson 6-1, PPT 6)

Daniel, Mason, and Avery are helping Sarah budget her monthly expenses. Sarah’s monthly gross income is $4,000 and her monthly net income is $3,100. She pays $650/mo. for rent, has a car payment of $450/mo., and has $200 in other monthly expenses. Can you help the team figure out Sarah’s debt-to-income ratio? (Lesson 6-3, PPT 12)

James, Grace, and William are reviewing their paychecks. Which of the following is NOT a mandatory deduction from their pay?

Oliver, Mia, and Noah are curious about their paychecks. They notice that most state taxes are deducted to help pay for something important. What is it?

Imagine Aria and Michael are comparing their bank accounts! Aria has an individual account with $200,000 at bank ABC, while Michael has $400,000 in his own individual account at a different bank (bank XYZ). How much of their money is protected by FDIC insurance?

Sophia, Hannah, and Ava are planning for unexpected emergencies. How much should they save in their emergency fund to be prepared for anything?

Mia, Abigail, and Aiden are comparing different ways to save their money. Which of the following savings products is the least liquid, meaning it's the hardest to access quickly?

Benjamin, Oliver, and Avery are learning about smart money habits. Who remembers the golden rule: You should always pay yourself ________?

Jackson and Aria each have $2,000 in their savings account. If their bank offers 10% compound interest, how much money will they have after two years? Can you help them figure out their total?

Nora just landed her dream job with a steady paycheck and top-notch insurance! She wants to build her emergency fund. If you were Nora, how many months of fixed expenses should you save in your emergency fund?

Isla and Aiden are helping Faith organize her different types of credit. They start a friendly competition to see who can spot the revolving credit first! Which of the following is considered revolving credit?

Evelyn, Abigail, and Noah are discussing different types of credit at lunch. Which of the following would they agree is “open-ended” or “revolving” credit?

Evelyn and Michael are comparing loan options for a $10,000 purchase. If they choose an amortized loan with a 4.00% interest rate, what would happen if they stretched their payment schedule from 5 years to 10 years?

Henry, Abigail, and Aiden are planning their monthly budgets. They want to make sure their loan payments (not including their home mortgage) don’t go over the recommended percentage of their net monthly income. What is that percentage?

David needs some quick cash before his next paycheck, but he notices one type of loan has super high interest rates and is only for a short period. Which loan is David looking at?

Aria, Grace, and Luna are discussing different types of loans. Which type of loan has principal payments “built in” so at the end of the loan term there is nothing further owed? (Lesson 5-2, PPT 8)

Lily and Isla are curious about how long a Chapter 7 bankruptcy will affect their credit report. Can you help them figure out the correct answer? (Lesson 5-5, PPT 12)

Aiden, Ethan, and Nora are comparing their credit scores. Which factor below will have the biggest impact on their scores? (Lesson 5-3, PPT 14)

Ava just bought a shiny new car for $40,000! She’s excited, but she knows cars lose value over time. If her car depreciates 25% in the first year and 17.5% in the second year, what is Ava’s car worth at the end of the second year? (Lesson 6-1, PPT 8)

Arjun, Grace, and Ava are planning a road trip! If they drive 600 miles each month, their car gets 24 miles per gallon (MPG), and fuel costs $2.80 per gallon, how much will they spend PER YEAR on fuel for their adventure? (Lesson 6-1, PPT 12)

Avery’s grandma wants to stay in her home and enjoy her retirement, but she needs a little extra income. What type of mortgage could help her out? (Lesson 6-4, PPT 14)

Ava, Anika, and Abigail are competing to become debt-free! If they use the debt avalanche approach, what should they do to win the race?

James, David, and Kai are comparing colleges to find the best deal. What should they focus on to truly understand the cost?

Charlotte, Harper, and Ava are chatting about their student loans during lunch break. While you are in school full-time, who is responsible for the interest on an unsubsidized loan?

Elijah, Jackson, and Abigail are exploring ways to pay for college. If you qualify, which type of aid gives you direct funds to lower your college costs, is based on financial need (not merit), and doesn’t need to be paid back? Help them choose the best option!

Arjun, Anika, and Liam are discussing scholarships during lunch break. Can you help them figure out which of the following best describes scholarships?

Aiden, Maya, and Elijah are comparing different types of loans for college. Which of the following loans would likely give them the best terms and lowest interest rates?

Nora, Michael, and Mia are comparing their student loan statements over coffee. They wonder: How much student loan interest can each of them deduct yearly as an adjustment to their income?

Emma and William are discussing student loans. Emma asks, "Which repayment plan has fixed or graduated payments over 25 years?" Can you help her out?

Arjun, Abigail, and Luna just graduated and are thinking about consolidating their federal student loans. What is one cool advantage they’ll get if they consolidate their loans?

Imagine David gets into a fender bender and files an insurance claim. The insurance company settles and pays David for the damages. Now, David can't turn around and personally sue Noah, the other driver. What insurance principle does this situation show?

Arjun and Elijah are working on a school project and want to make sure their team doesn't run into too many problems. They decide to try reducing the frequency and severity of any risks they might face. What risk management technique are they using?

Emma, Abigail, and Henry are discussing insurance risk strategies. Evan is unsure when it's best to transfer risk to insurance. Can you help them out? When should risk be transferred to insurance?

If Sam has a $1,000 deductible and $3,000 out of pocket maximum with 20% co-insurance, how much would he pay if he received $5,000 of medical care?

How much life insurance should Tyson have if he earns $60,000 a year and his spouse also works?

If a disability policy pays out $3,000/mo maximum, has a 5-year benefit period, and a 90-day elimination period, how much would be paid out if a person was injured and stopped working for 7 months (and then returned to work)?

A standard homeowners insurance policy covers all of these perils except?

If you caused damage to someone else’s property, what would be the maximum payment for property damage for a 100/300/200 policy?

In home insurance, which detail prevents a consumer from under-insuring their property (and expecting the insurance company to fully cover a smaller claim)?

Fraudulent purchases on your credit card are limited to expose you to $_____ per charge.

Jonah has a $1,000 initial amount. He has secured an account that will pay a compound interest rate of 10%. The interest will be compounded yearly. What will his investment be after 3 years?

If a stock you buy is $30 per share and pays $3 per year in total dividends, what is the dividend yield of the stock?

Which of the following is not a characteristic of a bond?

Two investments that may produce a similar rate of return over time but perform “opposite” of one another would be said to be __________?

When comparing two similar investments and their rates of return, what might be something to consider when judging the risk of the investments?

The best strategy for reducing market timing risk is to __________.

Which of these are traded in dollar amount, not shares?

John estimates that he will need $40,000/yr in extra income at retirement. Based on the 4% rule, what will his retirement/investment portfolio balance need to be?

Which of the following is NOT a retirement income source?

Other than IRA’s, other sources of income during retirement might come from:

This type of retirement account has after-tax contributions, tax-free withdrawals, penalty for early withdrawal, and has income limitations.

Early retirement can reduce your Social Security benefits by about 27.5%. According to the Social Security Administration, at what age is early retirement?

What percentage of your wages do you pay for social security?

Which of the following statements are true about property tax?

Cryptocurrency is:

The U.S. federal income tax is a:

Financial planners recommend that you save ________ of your income if you start saving in your 20s.

What is the biggest difference between a bank and a credit union?

Which of the following is NOT true about a soft inquiry regarding your credit report?

The most common format for a resume is (Lesson 10-1, PPT 6):

What order should your work experience be listed? (Lesson 10-1, PPT 14):

The purpose of a cover letter is to (Lesson 10-2, PPT 3):

What are appropriate actions to take AFTER an interview? (Lesson 10-4, PPT 17):

Juan received two job offers - one in Kansas City for $45,000 with 50% of health insurance paid by the company and the other in San Diego, CA for $55,000 with full health insurance paid by the company. Which statement is TRUE? (Lesson 10-5, PPT 11):

Aria, Anika, and Nora are discussing investments. Which of the following is considered a financial asset?

Imagine Arjun, Abigail, and Luna are talking about budgeting. What does it mean to have an emergency fund?

Olivia and William are reviewing their savings. What is the maximum amount insured by the FDIC for a single account holder at one bank?

Lucas, Emma, and Noah are deciding whether to lease or buy a car. Which cost should they consider most when comparing both options?

Sophia needs a small loan to cover an emergency expense, but she notices the lender charges extremely high fees and requires repayment by her next payday. What type of loan is this?

Jacob earns $5,500 per month and has $1,200 in monthly debt payments. If he applies for a mortgage, what is the maximum monthly payment the bank is likely to approve?

Olivia, Mason, and Henry are reviewing their monthly budgets. Which of the following is considered a fixed expense?

Emma and Noah are discussing ways to improve their credit scores. Which action will most likely have a positive impact on their credit score?

Liam, Ava, and Zoe are talking about emergency funds. Which situation would most likely require them to use their emergency fund?