Financial Literacy Essentials

A Dollars and Sense Guide to Budgeting, Saving, Investing and More for Teens and Young Adults

De: Dollars and Sense Publishing

Narrado por: Nick Giedris

Are you looking for a straightforward guide that makes money matters easy to understand and apply in real life? It’s no secret—financial education is overlooked in schools, leaving many unprepared for the realities of managing money. Whether you’re dealing with the weight of paying for college or bills, uncertainty about how to build credit, or confusion about where to start investing, it’s easy to feel lost and overwhelmed.

Financial Literacy Essentials: A Dollars and Sense Guide for Young Adults gives you confidence and paves the way toward financial freedom. This comprehensive guide breaks down complex financial concepts into practical, easy-to-follow steps designed specifically for young adults. You’ll learn how to build a strong financial foundation that will serve you for years to come—without the jargon or intimidation.

Here’s what you’ll gain:

• Master the Art of Budgeting: Learn how to create a budget that works for you, so you can manage your income and expenses with ease.
• Finding that First Job or Being Your Own Boss: Get resume and job interviewing tips that will help you now and in the future, as well as learn about the benefits and the risks of starting a small business venture.
• Build Strong Financial Habits: Unlock tips for building smart financial routines that will help you save more, spend wisely, and grow your wealth over time.
• Understand Credit and Loans: Learn about credit scores, how to build and maintain good credit, and how to avoid common credit pitfalls.
• Invest with Confidence: Get the basics of investing—from stocks to retirement accounts to cryptocurrency—and start building your wealth!
• Learn How to Pay for College: Explore various options for funding your education, including scholarships, grants, student loans, and work-study programs, to minimize debt.
• Avoid Financial Pitfalls: Identify the most common financial mistakes young adults make—and learn how to avoid them before they cost you.
• And more!

©2024 Dollars and Sense Publishing (P)2025 Dollars and Sense Publishing

A Must-Read for Financial Independence

This book makes personal finance easy to understand and apply. It breaks down essential money management skills like budgeting, saving, and investing in a way that anyone can follow. The budgeting section alone was very informative - it went over financial habits and eliminating unnecessary expenses. A must-read for anyone serious about financial independence. It was easy to listen to and I enjoyed it.

Perfect for First-Time Job Seekers

This book really covers a wide variety of financial topics. I remember finding my first job and how nervous I felt, so I found the section on finding a first job helpful... with clear guidance on resumes, interviews, and job applications. I feel like these insights are very helpful to prepare for job interviews and to feel more confident. Anyone looking for their first job or career change will find this book incredibly helpful.