Financial Empowerment: A 12-Week Journey to Prosperity
Audience: Adults and families building financial stability and long-term security
Format: 12 weekly sessions (2 hours each), interactive and workshop-based
Resources: The Financial Empowerment Handbook and the Finance IQ Test (FIT-1)
This program is a structured, step-by-step approach to building real financial capability. Each session aligns with a core area of personal finance and includes practical tools, guided exercises, and take-home actions. Participants complete the FIT-1 at the beginning and end of the program to measure progress and reinforce learning.
Program Overview
1. Earning Money
Understanding income types, paychecks, taxes, benefits, and how money actually flows in.
2. Entrepreneurship
Exploring self-employment, business basics, pricing, expenses, and building a side income.
3. Education and Career Pathways
Making informed decisions about college, trades, or military paths, and understanding long-term financial impact.
4. Saving
Building emergency funds, planning for future expenses, and creating consistent saving habits.
5. Spending
Budgeting, opportunity cost, and making intentional decisions with cash, debit, credit, and other payment methods.
6. Debt and Credit
How borrowing works, how interest compounds, and how to use credit without getting trapped.
7. Big Purchases
Planning and evaluating major decisions like vehicles and other high-cost items.
8. Investing
Understanding compounding, basic investment types, and how to start building wealth over time.
9. Retirement Planning
Key retirement accounts, long-term planning, and building stability even when starting late.
10. Risk and Protection
Insurance, fraud prevention, and protecting assets, income, and identity.
11. Financial Goals
Setting clear goals, tracking net worth, and making data-driven financial decisions.
12. Recap and Action Plan
Participants measure progress, reinforce key concepts, and finalize a Personal Financial Empowerment Plan with a clear 90-day path forward.
