Exploring your life goals Setting goals Money management can help you achieve your goals Getting and staying organized Make a spending plan Income Expenses Compare your income and expenses Make appropriate changes Be creative about cutting expenses Kinds of accounts Get in the habit of saving Use a budget or spending plan Use credit cards wisely Getting your credit report Building good credit Staying out of debt Avoiding scams/predatory lending Identity theft Organizations to help with financial aid Other resources Loans/work study programs Your legal rights Emergency time off Understanding your paycheck Getting organized Where to live Personal assistance Tools and technology Transportation Government help Insurance Saving and government benefits Emergency fund Retirement Special needs trust Annuity Investing Estate planning Hiring a lawyer Talking to your family