Students learn how to develop a budget with examples specific to the lives of high school students. They learn important skills like preparing for expenses, setting priorities, and adjusting to unexpected changes. Students will also explore what constitutes a SMART financial goal and options for saving money. They are introduced to credit, the cost of credit (calculating interest), how to build good credit, and what credit scores and ratings are. They explore why it is important to build good credit and how to manage it responsibly.