Stepping Stones Financial Cleveland, Ohio

Lessons

26 short videos in English: an introduction, three modules of 8 lessons each, and a conclusion. Each lesson page has the video, its worksheet, and a list of what it covers.

Introduction

  1. IntroductionHow the course is set up and how to use it.

Module 1: Financial Hardware

  1. Banks vs Credit UnionsThe difference between the two, and how to choose.
  2. Checking Accounts ExplainedHow checking accounts work and how to use one well.
  3. Savings Accounts and Emergency FundsWhy to keep a savings buffer and how to start one from zero.
  4. Understanding Your Paycheck and Pay StubWhat each line of a pay stub means.
  5. Budgeting BasicsHow to build a budget you can keep.
  6. 50-30-20 Rule and Zero-Based BudgetingTwo ways to divide up your income.
  7. Tracking Expenses and Subscription CreepHow small recurring charges add up, and how to find them.
  8. Avoiding Fees and Money LeaksCommon bank fees and how to stop paying them.

Module 2: Rules of the Game

  1. Credit FundamentalsWhat credit is and how lenders use it.
  2. Credit Scores and Credit ReportsHow scores are calculated and how to fix errors on your report.
  3. Building Credit SafelyWays to build credit without taking on debt you can't handle.
  4. Loans, Debt, and Repayment StrategiesTypes of loans and two ways to pay debt down.
  5. Debt Traps and Serious ConsequencesPayday loans, predatory lenders and what happens when debt goes unpaid.
  6. Taxes Made SimpleHow income tax works and how to file.
  7. Insurance BasicsHealth, auto, renters and life insurance explained.
  8. Fraud Protection and Consumer RightsHow to spot scams and what rights you have when something goes wrong.

Module 3: Growth Engine

  1. Introduction to InvestingWhat investing is and how to get started.
  2. Asset Classes and DiversificationStocks, bonds, real estate, and why to spread your money out.
  3. Index Funds vs Individual StocksLow-cost index funds compared with picking stocks.
  4. Long-Term Investing StrategiesHow to invest steadily over many years.
  5. Retirement Accounts Explained401(k), IRA and Roth IRA, and which to use first.
  6. Employer Benefits and Free MoneyHow to use an employer match, an HSA and other workplace benefits.
  7. Wealth-Building Habits and Financial MindsetHabits that help people build savings over time.
  8. Building Your Personal Financial SystemA simple system for income, spending, saving and investing.

Conclusion

  1. ConclusionPutting what you learned into action.

The videos play on Google Vids and open in a new page. Captions are being added.