Financial Literacy: Budgets, Credit, and Not Going Broke

This audiobook is narrated by a digital voice.

Quick quiz: What’s the difference between a credit score and a credit report?

If you hesitated, welcome to the club.

Most of us learned more about mitochondria than about how money actually works. We left school knowing how to solve for x but not how to file taxes or read a pay stub.

This book covers what actually matters: how credit works, what’s really happening when you swipe a card, why your paycheck looks smaller than you expected, and what all those retirement account letters mean.

You’ll learn how to build a budget that doesn’t make you miserable, what compound interest is doing for (or against) you, and how to stop feeling lost every time someone mentions a 401(k).

**FINANCIAL LITERACY: Budgets, Credit, and Not Going Broke** covers:

• **The Time Value of Money**

• **Budgeting Basics**

• **Banking Basics**

• **Credit Scores Explained**

• **Credit Cards**

• **Debt**

• **Loans**

• **Saving and Emergency Funds**

• **Investing Basics**

• **Retirement Accounts**

• **Taxes**

• **Insurance**

• **Big Financial Decisions**

• **Financial Scams and Fraud**

• **Negotiating Your Financial Life**

• **Estate Planning Basics**

No jargon. No judgment. Just the stuff that matters, explained so it sticks.

Part of **The Stuff You Forgot You Learned** series—quick, smart refreshers for adults who want to sound like they paid attention in school.