50 Things You Shouldn’t Learn the Hard Way
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The Basics of Value
1. Money as a Tool
2. The 50/30/20 Rule
3. Opportunity Cost
4. Inflation
5. Assets vs. Liabilities
6. The Time Value of Money
Chapter TL;DR
Earning and Employment
7. Gross vs. Net Income
8. Understanding Your Pay Stub
9. FICA Taxes
10. The W-4 Form
11. The W-2 vs. 1099
12. Minimum vs. Living Wage
13. Income Tax Brackets
14. Filing Taxes (The 1040)
15. Direct Deposit
Chapter TL;DR
Banking and Spending
16. Checking Accounts
17. Savings Accounts
18. FDIC Insurance
19. Overdraft Protection
20. Check Cashing and Payday Loans
21. Zero-Based Budgeting
22. Envelope System Budgeting
23. Retail vs. Unit Prices
24. Free Trials and Subscriptions
25. The Emergency Fund
Chapter TL;DR
Credit and Debt
26. Credit vs. Debit
27. The Credit Score (FICO)
28. Credit Reports
29. Annual Percentage Rate (APR)
30. Credit Card Minimum Payments
31. Secured Credit Cards
32. Co-Signing a Loan
33. Buy Now, Pay Later (BNPL)
34. Auto Loans
35. Good Debt vs. Bad Debt
36. Bankruptcy
Chapter TL;DR
Education and Housing
37. FAFSA
38. Student Loans
39. Grants, Scholarships, and Loans
40. Trade Schools and Apprenticeships
41. Renting an Apartment
42. Renter’s Insurance
Chapter TL;DR
Investing and Wealth Building
43. Compounding and the Rule of 72
44. Stocks vs. Bonds
45. The Stock Market
46. Index Funds and ETFs
47. Roth IRA
48. 401(k) Plans and Employer Matching
49. Risk vs. Reward
50. The Wealth Mindset
Chapter TL;DR
Further Reading
Glossary
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