How people make money — from jobs, entrepreneurship, or investment — and how education, skill, and taxes impact what they actually take home

Spending is how we allocate our money — using budgets, comparing value, and making choices influenced by needs, wants, peers, and advertising

Saving means holding money for short-term goals or emergencies — usually in safe, low-risk bank accounts that sometimes earn interest

Investing is using money to grow wealth over time — with higher potential returns than saving, but with higher risk

Credit lets you borrow money now and pay it back later — but it comes with interest, responsibility, and impacts your credit score

Life is full of financial risks — insurance and smart precautions help protect against loss, fraud, or emergencies