Financial Literacy

We’ve spent a lot of time in this course talking about choices—how the decisions you make today shape the path you walk tomorrow. We’ve covered how to handle emotions, how to communicate better, how to deal with conflict. But now, we’re stepping into a different kind of responsibility—one that’s just as important.
Money.

Now, I know what some of you might be thinking: "I don’t have a job yet, I don’t have bills, why should I care?" But let me tell you—this is the part where a lot of people mess up. And I don’t want that for you.

See, money isn’t just about numbers. It’s about freedom. It’s about choices. It’s about making sure that five years from now, you’re not stuck in a cycle where you can’t afford the life you want because of mistakes you made today.

How many of you have seen someone make a bad money decision? Maybe they took out a loan they couldn’t pay back. Maybe they blew their paycheck in two days and had nothing left for the rest of the month. Maybe they ruined their credit before they even understood what credit was. It happens fast. And once you’re in that hole, climbing out is hard.

That’s why today, we’re going to break it down. We’re going to talk about how to manage money—how to control it so it doesn’t end up controlling you.

We’ll start with something simple: budgeting. If you’ve ever gotten money and wondered where it disappeared to, this is going to be a game-changer. We’ll also talk about saving—because let’s be real, life happens. One unexpected bill, one emergency, and suddenly, you’re struggling. But if you plan ahead, you can be ready for anything.

And then there’s credit—one of the biggest traps out there. If you don’t understand how credit works, it can wreck your future before you even start. But if you do understand it? It can open doors to the life you want.
So here’s my challenge to you today: Don’t just sit here and listen. Engage. Ask questions. Think about your future, not just next week, not just next month—but years from now. Because the way you handle money isn’t just about surviving—it’s about thriving.

By the time we’re done today, I want you walking out of here with a plan. Not just an imaginary one—but a real, personal strategy for how you’ll make sure your future is strong, stable, and yours to control