Compound interest, from a savings and investment perspective, occurs when you earn interest on your interest. This “interest on interest” effect becomes an important factor in long-term growth.

Knowing your risk tolerance doesn’t specify what to invest in, but it provides a helpful starting point. Once you understand what level of risk feels right, you can work with a financial professional to create an investment plan that aligns with your goals and gives you peace of mind.

Risk isn’t something to fear; it’s something to understand because it affects investment decisions. The goal isn’t to take the most risk or avoid it completely, but to find a balance where you feel confident and your money can grow at a rate that aligns with your goals. Knowing your risk tolerance makes investing less stressful and more empowering.

Understanding when copays, deductibles, coinsurance, and out-of-pocket maximums occur helps you grasp your bills and, hopefully, boosts confidence in navigating the healthcare system, especially as you start managing your own coverage.

Health, auto, and renters insurance create a solid foundation that helps prevent a single unexpected moment from becoming a costly setback. The goal is straightforward: stay safe, stay covered, and stay confident as you embrace your independence.

Debt isn't something to fear or feel ashamed of; it’s just a tool. When you understand how student loans, car loans, or any loans work, you can use them to support your future instead of complicate it.

Credit cards aren’t “bad”—they’re tools. Used wisely, they help you build the credit profile you’ll need for bigger goals. Used without a plan, they can make adulthood more stressful than it needs to be. You have so much ahead of you; let your credit habits support your future, not complicate it.

Inflation matters because it affects how much your money can buy. Inflation doesn’t always move in one direction. But as prices rise, every dollar buys less than before.

Creating a Budget? A cash-flow management system, aka a budget, gives you control before bad habits and debt take over. It’s essential to know what’s coming in, what’s going out, and how to make room for the things that truly matter to you.

The bank you choose can either support your goals or slow them down. It should also make your life easier, not more expensive.