Build Your Financial Base
Master budgeting, credit, savings, and debt management. Essential tools for everyone.
50/30/20 Budget Calculator
The simple rule: 50% needs, 30% wants, 20% savings/debt.
Complete Credit Education
Master credit scoring, reporting, and optimization. Click cards for details.
📋 The 3 Credit Bureaus
Experian, Equifax, TransUnion
Each holds slightly different data. Monitor all three.
🏗️ High Score vs. Strong Report
Understand the difference between your score (reputation) and your report (resume).
🎯 Optimal Credit Utilization
2-9% is optimal
Credit cards & lines only. Not installment loans.
🔍 Credit Inquiries
Keep Under 3 Per Bureau
Too many looks desperate to lenders.
Building Payment History
Services to build credit through rent and loans.
Building Credit History
Services for thin files and authorized users.
Adding Positive Accounts
Credit builder loans and strategic additions.
⚡ Managing High Utilization
Quick fixes for balances over 30%.
Credit Utilization Calculator
Calculate your utilization. Aim for 2-9% for optimal scores.
Emergency Fund Calculator
Calculate your 3-6 month fund target.
Debt Payoff Calculator
See timeline and total interest.
Turn Stability Into Prosperity
Grow wealth through investing, tax optimization, and strategic planning.
Compound Interest Calculator
See how money grows with consistent investing.
Investment Platforms
Where to invest based on your goals.
Beginner-Friendly
- Vanguard - Low fees, index funds
- Fidelity - Great research tools
- Charles Schwab - No minimums
📱 Apps & Robo-Advisors
- Betterment - Automated investing
- Wealthfront - Tax optimization
- Acorns - Round-up investing
Active Trading
- Webull - Free stocks
- TD Ameritrade - Research tools
- E*TRADE - Options trading
FIRE Calculator
When can you retire? Calculate financial independence.
Continue Your Education & Build Income
Books, courses, podcasts, tools, and strategies to scale wealth and create secondary income.
Must-Read Books
Curated library for wealth building.
Foundation Books
Wealth Building
Advanced Strategies
Free & Paid Courses
Structured learning paths.
100% Free Courses
- Khan Academy - Personal Finance
- Alex Hormozi FREE - Business & offers
- Coursera (Yale) - Financial Markets
Premium Courses
- The Complete Financial Analyst Course (Udemy)
- Real Estate Investing (Udemy)
- Stock Market Investing (Udemy)
Podcasts & YouTube Channels
Learn on the go.
Top Podcasts
- The Dave Ramsey Show - Debt payoff
- So Money - Farnoosh Torabi
- BiggerPockets Money - Financial independence
- ChooseFI - FIRE movement
- Afford Anything - Paula Pant
YouTube Channels
- Graham Stephan - Real estate & investing
- Minority Mindset - Wealth building
- Andrei Jikh - Investing strategies
- The Financial Diet - Personal finance
Secondary Income Strategies
Build additional revenue streams beyond your 9-5.
Freelancing & Consulting
Monetize your professional skills.
→ Learn more
Side Business
Start small, scale smart.
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Passive Income
Earn while you sleep.
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Real Estate
Property income strategies.
→ Learn more
Digital Products
Create once, sell forever.
→ Learn more
Investment Income
Dividends, interest, capital gains.
→ Learn more
These Tools Are Free. Our Mission Isn't.
You just accessed financial literacy tools at no cost. But for 400 high school students in under-resourced communities, access to this kind of information—and the support that changes lives—requires people like you.
Our mission is to provide scholarships, one-on-one mentorship, financial literacy education, and real-world exposure to students in circumstances where this information simply isn't available.
We believe every student deserves the tools, network, and resources to defy the odds—to reach their full potential and build a better future for themselves, their communities, and this world.
Students Waiting for Support
To get there, it requires support from individuals like you—people who believe that access to the right information changes one's situation.
Your Donation Funds:
- Scholarships for college tuition, trade programs, and career certifications
- One-on-one mentorship with professionals in their field of interest
- Financial literacy education that builds lifelong money management skills
- Real-world exposure through company visits, networking events, and internships
Let's make a change. Each donation—great or small—draws a student out of their negative circumstances and gives them the tools, network, and resources to reach the future they once thought impossible.
Support Our Mission