Personal Finance

Budget Challenge
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Chapter 1: Keys to Financial Success

• Opportunity Cost. 1:35, Investopedia
• Wants vs Needs. 2:46, YouTube
• Dave Ramsay Debt Snowball. 5:03, YouTube
• Time Value of Money. 1:14, Investopedia
• What is a Budget? 5:12, 2 cents
• Fixed vs. Variable Expenses. 2:06, YouTube
• Two Cents | How Your Cellphone Is Ripping You Off! | Season 4 | 6:51

Chapter 2: Getting Ready for Launch Videos

• Getting Started Video 1 . 3:42
• Getting Started Video 2 - Vendor Selections. 3:48
• Getting Started Video 3 - Filling out your CFB. 9:56
• Additional Budget Challenge Videos

Chapter 3: Employment

• Who is FICA and why is he taking all my money? 1:33, YouTube
• Two Cents | How Do Your Tax Dollars Get Spent? | Season 1 | 4:34
• Will Social Security Be Around? 7:06
• Fringe Benefit. 1:41, Investopedia

Chapter 4: Banking

• Banking Explained 6:09, YouTube
• Are Credit Unions better than Big Banks? 5:24, 2 cents
• Checking and Savings Accounts, 5:00 Cash Course
• Superior Credit Union interest rates. (not a video)
• How to do a Bank Reconciliation. 6:35, YouTube
• Are Payday Loans Ever a Good Idea? | Season 5 | PBS 5:53, 2 cents

Chapter 5: Loans and Credit Cards

• What happens when you file for bankruptcy?, 1:44, Investopedia
• Loan Basics - YouTube, 2:35
• Credit Card: What It Is, How It Works, and How to Get One 1:34, Investopedia
• Getting Your First Credit Card  7:46, YouTube
• Are Buy Now Pay Later Loans a Good Idea? | Season 6 | 7:01, 2 cents

Chapter 6: Saving and Investing

• Rate of Return (RoR) Meaning, Formula, and Examples (investopedia.com), 1:41
• Two Cents | 5 Questions To Ask Before Investing | Season 2 | 5:40
• Two Cents | Is the Stock Market Just a Big Casino? | Season 1 | 6:08
• Two Cents | How to Analyze a Single Stock | Season 4 | 8:22
• Two Cents | Bond. Savings Bond. | Season 3 | 5:39
• Investing Basics: Mutual Funds - YouTube, 4:44
• Two Cents | What the Heck Are Mutual Funds? | Season 1 | 4:44

Chapter 7: Investing for Retirement

• Two Cents | Is It Even POSSIBLE to Save for Retirement? | Season 1 | 6:49
• The Power of Compound Interest - YouTube, 4:11
• Compound Interest Calculator - NerdWallet
• What is a 401k? | by Wall Street Survivor - YouTube, 2:36
• Two Cents | What the Heck is an IRA? | Season 2 | 6:26
• Retirement Plans Explained: 401(k), Roth IRA, and More. - YouTube, 3:08

Chapter 8: Purchasing and Consumer Protection

• 10 WEIRD Money Saving Tips That Actually Work - YouTube, 9:14
• How I save money in my early 20s ✨ Saving tips, hacks & rules - YouTube, 11:01
• Two Cents | Top 5 Biggest Financial Scams | Season 1 | 5:58

Chapter 9: Buying and Leasing a Vehicle

• How To Make a Smart Car Purchase - Dave Ramsey YouTube, 4:49
• Two Cents | Should I Lease a Car? | Season 6 | 7:01
• How Much Car Can I Afford (20/4/10 Rule) - YouTube, 7:37 (skip last minute)
• Tips to buying your first car - YouTube, 8:18
• The Electric Vehicle Charging Problem - YouTube, 19:50

Chapter 10: Housing

• Two Cents | Will the Housing Bubble Burst? | Season 4 | 7:59
• Two Cents | Is It Okay to Rent? | Season 3 | 6:13
• Amortization Calculator
• Two Cents | How Do You Actually Buy A House? | Season 1 | 5:46

Chapter 11: Insurance and Managing Risk: Car and Property

• Risk Avoidance vs. Risk Reduction: What's the Difference? (investopedia.com)
• Homeowners Insurance 101 (Home Shopping) - YouTube, 2:56
• All you NEED to Know about Auto Insurance in 6 Minutes - YouTube, 6:32
• Understanding 5 Types of Car Insurance Coverage - YouTube, 3:54
• Car Insurance Explained, & What to Do After a Car Accident! - YouTube, 2:42-5:38

Chapter 12: Insurance and Managing Risk: Health, Life, Disability

• Health Insurance 101: How Insurance Works In 90 Seconds | BCBSND - YouTube, 1:41
• Two Cents | How Healthcare Can Rip You Off! | Season 4 | 7:49
• What Types of Insurance Do Young Adults Need? - YouTube, 2:25
• Two Cents | Is Whole Life Insurance a Scam? | Season 3 | 6:46

Chapter 13: Building and Managing Credit

• Two Cents | How to Build Credit from Scratch! | Season 5 | 5:51
• How Bankruptcy Works | Season 2 | PBS 6:07, 2 cents (already watched)
• Two Cents | How are credit scores calculated? | Season 1 | 4:52

Chapter 14: Data Security

• Two Cents | Is My Identity Safe From Hackers? | Season 1 | 5:44

Chapter 15: Taxes

• Two Cents | Why Do We Hate Paying Taxes? | Season 4 | 9:08
• The Weird Way Taxes Impact Behavior | TaxEDU | Tax Foundation (article)
• Why Teenagers Should File a Tax Return | Money (article)
• IRS Form 1040
• Two Cents | How Do Tax Brackets Actually Work? | Season 2 | 6:34
• Two Cents | The Secret Tax Hiding in Plain Sight! | Season 6 | 7:03

Chapter 16: The Next Steps: Careers

• Ohio Means Jobs - Occupation Search | Occupational Outlook Handbook
• Two Cents | Is Your Job Future-Proof? | Season 4 | 7:03
• Two Cents | How to Weigh Job Benefits | Season 4 | 9:08
• Two Cents | How to Ask for a Raise | Season 1 | 5:34

Chapter 17: Paying for College

• Two Cents | The Best Way to Apply for Student Aid! | Season 3 | PBS 6:15
• Everything you need to know about Student Loans, 8:24, YouTube