Teach Personal Finance With Confidence

“I look at money now in a new way, not only as something I can use to get stuff that I like but more as a tool that I know how to use for a successful future.”

“I didn’t have a budget, so I struggled with impulsive spending and retail therapy. ”

“My main takeaway is how to use money to achieve your dreams and approaching it with a healthy mindset. I think in the past, I viewed money as something negative, but after taking this class, I’ve realized that it’s a powerful tool to achieve goals and once you breakdown your money blocks and understand how to better approach spending and budgeting, it’s not something to be scared of. I’ve learned that making your financial dreams is possible if you use the right tools to do so. That is to say, not everything is a need, but it’s okay to splurge once in a while if it means living your dream life. Budgeting has taught me where my spending holes are and what I need to prioritize when it comes to my purchases. It’s shown me what I tend to buy and that has helped me shift my spending to more practical purchases. Most of all, I’ve learned that financial freedom is possible. I haven’t grown up with that mindset, so this class teaching me that I have the potential to make that a reality has been extremely inspiring.”

“I know how to make money but can not hold on to it to save my life.”

“This class has motivated me to form good habits that don’t necessarily have to be big but they need to start now so that I can have an easier road to financial freedom and being on track for my dream life.”

“Because of this class, I have a more positive relationship with money. I know how to use my money to my long term advantages and how to save my money to build generational wealth. Before this class, I was struggling with saving money. Every time I would get money, it would be gone within a week, if not a few days.”

“Budgeting, managing debt, banking and high yield savings account, investing. These things are stuff you need to be able to know to live financially stress free. I would have never know about any of these things if it wasn’t for this class. So if you can handle these things you’ll be able to build wealth and avoid debt.

This class set me up for my future. If I didn’t take this class I would have just put my money into a bank account and left it there for years. Now I know what to do with my money, and where to put it, so I will be set up well for my future.”

“Some of the most important things I learned this year were investing and budgeting because they allow me to plan for a financially stable future. I didn’t know much about investing before this class, but now I feel confident I can build up my millions. This class helped me understand that the most important thing I have in terms of finances is time. Budgeting was also super helpful because I never tracked my spending before this. Budgeting helps you identify your biggest expenses and helps you determine where you can cut costs. I’ve learned to differentiate between my wants and needs. Thanks to this class I feel more confident about reaching my financial goals for the future.”

“This class has had an] extreme impact [on my life]. I’ve learned so much about money, how to save money, how to spend money, etc. that I don’t think I would have learned without this class. I think learning the reality of money is so important at this time in peoples lives because often money isn’t talked about and good habits go undiscussed which leads to financial ruin, this class helps avoid that.”

The most important things you learned are …
”How to properly invest, I have never been told how to safely invest or set up a retirement account
Budgeting, learning recommended percentages for where to allocate money, how to have that conversation about where money is going is really important.
Managing habits, learning how to reverse long term impacts by making small changes to your daily routine.
Finding housing and knowing how much to spend on housing, especially in the market our generation is going to (and me going to Santa Cruz) figuring out how to efficiently and productively find housing is so important.”

“This class definitely had a big impact on my life. It made me think about money and my future in such a different way. I was able to think deeply about what I want for my life, and figure out the ways to make those things happen. It also gave me so much valuable information that I will be able to use for my whole life.

All of the things we learned this year were important, however a few stood out to me. Learning about investing, saving, and budgeting were some of the most useful things I have learned in my entire life. These subjects have helped me in my life today and will be able to help me so much in the rest of my life. They gave me the opportunity to look my life and be able to plan and dream for the life that I want. They give me the framework to work hard and accomplish everything I want to do.”

“The most important thing to me that we learned and the most useful was the tactics of budgeting and investing. I feel like there’s not enough education around this topic and if I hadn’t taken this class I would already be facing thousands of dollars in debt in my first 5 years of independence. No one in my family really knows how to finance their lives efficiently enough to reach those goals of $2M. When I mentioned to my mom that this was a reachable goal she didnt believe it. SHe only has around $100k in her 401k and she considered that a lot, but in reality our world suffers from inflation and that wont be enough even after they retire. It really helped me get a head start on my future and I now know how to manage money more consciously and in a way that will help me in the future. If I hadn’t taken this class I wouldn’t know how to invest with who and when I should start. There are many factors to living your best life and in our society money is one of those top things that are necessary.”