personal finance 101, understanding personal finance basics and best practices

personal finance 101, understanding personal finance basics and best practices. how financially healthy are you? when was the last time you reviewed your overall financial situation, including analyzing your spending, savings, future goals, and insurance? if you’re like most people, either you’ve never done this exercise or you did so too long ago. your financial net worth is an important barometer of your monetary health. your net worth indicates your capacity to accomplish major financial goals, such as buying a home, retiring, and withstanding unexpected expenses or loss of income. you may not know or care, but you probably have a personal credit report and a credit score. lenders examine your credit report and score before granting you a loan or credit line. this section highlights what you need to know about your credit score and reports, including how to obtain them and how to improve them.

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time stamps

00:00 | intro

00:06 | personal finance overview

04:05 | financial net worth

06:48 | credit score and reports

11:18 | debt overview

16:08 | spending

22:09 | emergency reserves

27:09 | retirement/financial independence

35:44 | debt management

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