Build a safety net
Emergency Savings and Household Budgeting
What counts as an emergency, a starter cushion you can actually reach, and a budget that starts from your own numbers — including money sent home.
Five sessions for newcomers to the United States — plain English, real decisions, and a next action to take home. Interactive slides run in any browser, on a projector or a tablet, with no sign-in and no data collected. Every handout prints on Letter paper.
Enter the code your instructor reads out. Your screen follows theirs — in the language you choose. You can still move on your own at any time.
Build a safety net
What counts as an emergency, a starter cushion you can actually reach, and a budget that starts from your own numbers — including money sent home.
Grow assets
Saving versus investing, where money sits, what interest and time do, a plan at work and the match, and three habits that matter more than picking winners.
Protect money
Why newcomers are targeted, the four red flags, Stop · Check · Talk, and what to do in the first hour if money has already gone.
Understand rights
Bank accounts, credit reports, debt collectors, loans, renting and signing — which rules are national, which depend on the state, and how to ask for it in writing.
Plan for retirement
The three sources of retirement income, the match, IRAs, what happens when you change jobs, and the four pieces — beneficiaries, insurance, documents, family.