and how it is being spent; Identify the benefits and drawbacks of using credit cards; Understand how credit scores are calculated and how they impact their financial future; Identify ways to improve their credit score; Explain the importance of creating and sticking to a budget; Identify ways to save money and build wealth; Understand the basics of investing and the different types of investment options available; Identify ways to protect themselves from identity theft and fraud; Understand the importance of emergency funds and how to build one; Identify ways to plan for retirement and save for the future.