Take control of your money before it takes control of you. This 6-week workshop is designed for young adults who want to build real-world financial confidence and make smart decisions from the start. Led by Financial Literacy Coach Mary Pesek, each session breaks down essential money skills—without the jargon. You’ll learn how to budget on a student income, borrow and repay loans wisely, use credit cards without getting burned, and start building savings even when cash is tight. We’ll also cover key steps to protecting your identity, making big purchases like a car or apartment, and setting financial goals that actually feel achievable. Topics Include: Week 1 - Money Management Basics Objective: Build a foundation for financial confidence Understanding income vs. expenses 50/30/20 Budgeting rule Creating & sticking to a simple monthly budget Activity: Fill out a personal budget worksheet Takeaway Resource: Budget Template + Top 5 money tracking apps Week 2 - Smart Financial Decisions Objective: Understanding big-ticket decisions and long term impacts Buying vs. Leasing a Car: cost, maintenance, & lifestyle factors Buying Vs. Renting a Home: equity, flexibility, & costs Activity: Group pros/cons comparison exercises Takeaway Resource: Car & Home decision-making checklist Week 3 - Credit & Debit Management Objective: Learn to Build, Protect, & Improve your Credit What makes up your credit score How to use credit cards wisely Strategies for paying down debt Activity: Credit Score Myth-Busting Quiz Takeaway Resource: Credit Score Improvement Plan Week 4 - Frauds, Scams & Identity Protection Objective: Recognize and Avoid Common Scams Types of Scams (online, phone, social media) How to protect personal information Steps to take if your identity is stolen Activity: Spot-the-scam game using real-life examples Takeaway Resource: Fraud prevention quick guide Week 5 - Life Logistics & Adult Responsibilities Objective: Learn essential skills for day-to-day adult life Apartment hunting tips & lease tricks Setting up utilities & services Basic home maintenance & repairs Activity: Lease review and "red flag" spotting exercise Takeaway Resource: Car & Home decision-making checklist Week 6 - Side Hustles Objective: Explore ways to earn additional income, manage workload, & avoid burnout Materials: Side hustle idea list, pros/cons worksheet, time management tools Activity: Brainstorm income streams; case study of a successful side hustle, create an action plan Key Points: Align side hustle with skills/interests, legal/tax considerations, time vs. income balance Program Highlights Interactive exercises every week Real-life scenarios & decision-making practice Take-home tools to apply immediately Optional one-on-one coaching sessions for participants