Welcome to Twealth!

Helping Teens Build Wealth

Managing Money
  • Explore how spending, saving and values impact your finances.
  • Set financial goals that are specific and measurable
  • Apply strategies to be mindful about spending decisions.
  • Create a spending plan to reach your goals.
  • Figure out ways to maintain a positive cash flow
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Making Money

  • Explore the payoffs of investing in yourself
  • Measure the value of employee benefits.
  • Assess factors that impact personal tax liability and take-home pay.
  • Start down the path to achieving your lifestyle and financial goals.
  • Prepare to deal with life and work changes.
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Budgeting

  • Identify and prioritize some of your personal and financial goals.
  • Identify the steps you can take and the resources you will need to achieve your goals.
  • Identify and examine your current spending behaviors and patterns.
  • Understand what it means to budget, and identify the reasons to maintain a budget.
  • Create and maintain a personal budget that supports your personal and financial goals.
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Financial Services

  • Use a checking account.
  • Select banking tools and technology to handle personal business transactions.
  • Protect your personal account information.
  • Select a financial service provider.
Saving & Investing Img

Saving & Investing

  • List and explain some of the advantages of saving money.
  • Understand the concept of “pay yourself first” and list some ways to encourage this habit.
  • List and explain the differences among the most common saving methods.
  • Understand the advantages and disadvantages of popular investment vehicles.
  • Understand what investment fraud is, and list some of the ways you can protect yourself against investment swindlers.
  • Compare and contrast the short- and long-term consequences of investment decisions
Borrowing

Borrowing

  • Weigh the benefits and risks of borrowing.
  • Compare the costs and terms of borrowing options
  • Start the journey to establish a good credit rating.
  • Explore the rights and responsibilities of borrowers and lenders.
  • Protect yourself from identity fraud.
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Major Purchases

  • Compare the benefits and drawbacks of renting vs. buying a home.
  • Develop a knowledge of the home-buying process
  • Understand and compare various types of mortgages.
  • List some of the costs of owning and operating a car.
  • List some of the things you should research and some decisions you should make before you begin to shop for a car.
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Insurance

  • Justify reasons to be insured.
  • Investigate how insurance works.
  • Choose insurance for specific needs and situations.
  • Demonstrate what to do after an auto accident.
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Financial Trouble

  • Describe some of the ways you can get in trouble using credit.
  • Explain the first steps to take if you can’t pay your bills on time.
  • Understand how to evaluate a “credit repair” company before deciding whether or not to use its services.
  • Understand the protections provided by the Fair Debt Collection Practices Act.
  • Understand the disadvantages of using bankruptcy as a solution to debt.

Ready to take the course?

Click the START button to begin.