Personal Financial Well-Being

Money is a critical factor in achieving your dreams and securing a fulfilling life, yet most of us leave school without the essential skills to manage it effectively. This often leads to financial struggles like debt, mortgage defaults, and retirement insecurity – especially for those navigating the challenges of the shrinking middle class.

Personal Financial Well Being is designed to bridge the wealth gap and demystify personal money management. Developed by Richard Okumoto, a University Instructor and former Silicon Valley CFO, this course offers a practical, accelerated path to financial literacy.

Learn to:

• Master Money Management: Gain control over your finances and make informed decisions.
• Conquer Debt: Develop strategies to eliminate debt and improve your credit score.
• Build Wealth: Understand wealth creation and investment principles.
• Plan for Retirement: Secure your financial future with effective retirement planning.
• Minimize Taxes: Learn how to pay your fair share and avoid unnecessary tax burdens.
• Protect Your Assets: Safeguard your wealth through insurance and estate planning.

This course applies a unique, accelerated approach, connecting the dots on how money works. It's structured around three core building blocks (the GAP Approach):

1. Generating Positive Cash Flow: "Understanding your money to keep more of it!"

   • Personal Budgeting: Create and stick to a budget that aligns with your goals.
   • Debt Management: Develop a plan to reduce and eliminate debt.
   • Personal Income Taxes: Understand and navigate the tax system effectively.
   • Retirement Planning (Part 1): Lay the foundation for a secure retirement.

2. Accumulating Wealth: "Understanding Wealth; how to create it and how to hold onto it!"

   • Determining Wealth: Assess your current financial standing and set wealth-building goals.
   • Investing (Part 1 & 2): Learn investment strategies to grow your wealth.
   • Retirement Planning (Part 2): Optimize your retirement savings and investment portfolio.

3. Protecting What You Have: "How to conquer Financial Risk!"

   • Insurance (Part 1 & 2): Understand different types of insurance and their importance.
   • Estate Planning: Plan for the future and ensure your assets are distributed according to your wishes.

Who should take this course? Anyone seeking to overcome financial anxiety and achieve lasting personal financial well-being. Whether you're just starting out or looking to refine your financial strategies, this course provides the knowledge and tools you need to take control of your financial future.