Session 1: Advanced Budgeting & Financial Optimization

• Topics Covered:

• Optimizing cash flow (automated savings and expense management)

• Sinking funds: Planning for irregular expenses

• Leveraging financial apps and AI tools

• Engagement Activities:

• Case study: Optimize a sample budget live with audience input

• Q&A on audience’s biggest budgeting challenges

• Resources Provided:

• Advanced budgeting templates

• Recommended financial tools/apps

Session 2: Mastering Credit & Debt for Growth

• Topics Covered:

• Leveraging credit for wealth-building (e.g., rewards points, 0% APR offers)

• Strategic use of good debt (e.g., mortgages, business loans)

• Refinancing and consolidating debt

• Engagement Activities:

• Interactive tool: Calculate debt repayment timelines live

• Audience poll: “What’s your biggest concern with credit management?”

• Resources Provided:

• Credit health checklist

• Debt consolidation options guide

Session 3: Building an Investment Portfolio

• Topics Covered:

• Diversification and asset allocation strategies

• Choosing between active vs. passive investing

• Tax-efficient investing (e.g., tax-deferred accounts, dividends)

• Engagement Activities:

• Group activity: Design a sample portfolio for a 35-year-old professional

• Live Q&A on audience-specific investment scenarios

• Resources Provided:

• Asset allocation calculator

• Recommended reading on intermediate investing

Accommodation was not included in the courses