Personal finance for people who work in the trades

Three short lessons on percentages, what borrowing really costs, and square-foot and gallon math, with pavement examples. Free from NPMCA.

1. Percentages without the headache
2. Rates, time and what borrowing really costs
3. Square feet, gallons and checking the answer

Free lessons for crew members and anyone paid weekly, by the job or in cash: pay stubs, W-2 vs 1099, banking, seasonal budgets and the Winter Fund.

1. Where you stand: your money snapshot
2. W-2, 1099 or cash
3. Read your paycheck and set your W-4
4. Choosing a bank or credit union
5. Second chance banking
6. Mobile deposits and money apps: Zelle, Venmo, Cash App and X Money
7. A budget that works on seasonal pay
8. Winter is not an emergency: the Winter Fund and your starter cushion
9. Short this week: what to pay first
10. Help between paychecks: food, health care, utilities and unemployment
11. Before you borrow: payday, title, rent-to-own and cash-advance apps
12. What CDFIs are and why they exist
13. Credit union or bank: what's the difference

Free lessons on credit reports and scores, getting out of debt, debt collectors, insurance basics, scams and starting over after a setback.

1. Credit reports and scores
2. Fix mistakes on your credit report for free
3. Build or rebuild your credit history
4. Raise your score: the habits that move it
5. Credit cards: the honest version
6. Getting out of debt: snowball or avalanche
7. Debt collectors, garnishment and your rights
8. Starting over after a big setback
9. Insurance basics: car, renters, disability and life
10. Money traps: scams, identity theft and betting apps

Free lessons on a full emergency fund, 401(k)s and IRAs, investing basics, tax credits, how much vehicle you can afford, and renting or buying a home.

1. From starter cushion to full emergency fund
2. Retirement at work: 401(k)s and the match
3. Retirement on your own: IRAs, Roth and self-employed accounts
4. Investing basics: how money grows and what it costs
5. Investing traps: hype, crypto, day trading and "guaranteed" returns
6. Taxes, level two: credits, refunds and free filing
7. Cars and trucks: how much vehicle you can afford
8. Rent or buy a home
9. Earn more: skills, trust and your next chapter

Free lessons on money with a partner, having a baby, saving for college or trade school, life insurance, wills, Social Security, giving and a 10-year plan.

1. Money and your partner
2. Having a baby: costs, leave and help
3. Saving for kids' futures: college, trade school and Trump accounts
4. If the paycheck stops: life and disability insurance
5. Wills, guardians and powers of attorney
6. Social Security and Medicare: what you've earned
7. Teaching kids about money
8. Giving and generosity
9. Your 10-year money plan