Study Path Agent Study Path Agent
Generate Your Own
Personal Finance
86 topics across 6 chapters
Chapter 1
Foundations & Tracking
1
Mindset, Goals & Habits
2 subtopics
2
Set Financial Goals Worksheet (1–3 years, 5–10 years)
3
Build Money Habits: Automate bills, saving, and investing
4
Net Worth & Tracking Systems
2 subtopics
5
Calculate Your Net Worth (assets, liabilities, categories)
6
Track Spending for 30 Days (categories + insights)
7
Financial Math Basics
2 subtopics
8
Compound Interest & Inflation Exercises (real vs nominal)
9
APR vs APY: Effective rate mini-problems
10
Account Organization & Security
2 subtopics
11
Organize Accounts & Statements (naming, folders, exports)
12
Set Up a Password Manager + Turn On 2FA for key accounts
Chapter 2
Budgeting & Cash Flow
13
Income & Paychecks
2 subtopics
14
Read a Paystub & Withholdings (gross, net, pre-tax, FICA)
15
Budgeting with Irregular Income (baseline + buffer plan)
16
Budgeting Systems
2 subtopics
17
Zero-Based Budget: Build a template you can reuse monthly
18
50/30/20 Rule: Quick-start budget and adjustments
↗ Track Spending for 30 Days (categories + insights) (see Chapter 1)
19
Optimize Expenses
2 subtopics
20
Subscription Audit: Cancel, downgrade, or renegotiate recurring bills
21
Reduce the “Big 3” Costs: Housing, transportation, food
22
Banking & Cash Management
2 subtopics
23
Choose a High-Yield Savings Account (rate, fees, access)
24
Avoid Fees & Overdrafts: Alerts, buffers, and account settings
Chapter 3
Debt & Credit
25
Credit Fundamentals
2 subtopics
26
Pull Your Credit Reports and Read Them Line-by-Line
27
Improve Your Credit Score: Utilization, payments, age, mix
28
Debt Payoff Strategy
2 subtopics
29
Snowball vs Avalanche: Pick a method and draft your payoff schedule
30
Refinance/Consolidate Checklist (rates, term, fees, break-even)
31
Student Loans & Mortgages (Core Concepts)
2 subtopics
32
Loans 101: Amortization, principal vs interest, total cost
33
Compare Repayment Options (student loans / mortgage scenarios)
34
Credit Cards Best Practices
2 subtopics
35
Use Credit Cards Without Paying Interest (statement cycle basics)
36
Rewards Without Overspending: Rules for points/cash-back
37
Consumer Rights & Collections
1 subtopics
38
Collections & Disputes: First steps, documentation, escalation
Chapter 4
Saving, Safety Net & Protection
39
Emergency Fund
2 subtopics
40
Set an Emergency Fund Target (starter, stable, and stretch levels)
41
Where to Keep an Emergency Fund (liquidity vs yield trade-offs)
42
Insurance Basics
2 subtopics
43
Health Insurance Basics: Premium, deductible, copay, OOP max
44
Life & Disability Insurance: Estimate needs and pick coverage type
45
Identity & Risk Protection
2 subtopics
↗ Set Up a Password Manager + Turn On 2FA for key accounts (see Chapter 1)
46
Freeze Your Credit & Monitor Identity (alerts + routine checks)
47
Sinking Funds & Big Expenses
1 subtopics
48
Build Sinking Funds (car repair, gifts, travel, annual bills)
Chapter 5
Investing & Retirement
49
Investing Fundamentals
3 subtopics
50
Risk/Return & Time Horizon: Match money to goals
51
Fees Matter: Expense ratios, advisory fees, and hidden costs
↗ Compound Interest & Inflation Exercises (real vs nominal) (see Chapter 1)
52
Accounts & Employer Plans
3 subtopics
53
401(k)/403(b)/TSP Basics: Contributions, vesting, fund menu
54
IRA & Roth IRA Basics: Eligibility and contribution rules (overview)
55
Employer Match Strategy: Get the full match efficiently
56
Simple Portfolios
2 subtopics
57
Build a Simple “3-Fund” Portfolio (stocks/bonds mix)
58
Index Funds & ETFs: Selection criteria (breadth, cost, tracking)
59
Implementation & Rebalancing
3 subtopics
60
Set Up Automatic Investing (schedule + guardrails)
61
Rebalancing Rule of Thumb: When and how to adjust allocations
62
Taxable vs Retirement Accounts: Basic asset location intuition
63
Behavioral Investing
1 subtopics
64
Write an Investment Policy Statement (IPS) you can follow
Chapter 6
Taxes & Life Planning (U.S.-oriented)
65
U.S. Tax Filing Basics
2 subtopics
66
Choose a Filing Method: DIY software vs CPA vs free options
67
Tax Document Checklist: W-2/1099, deductions, and records
68
Withholding & Estimated Taxes
2 subtopics
↗ Read a Paystub & Withholdings (gross, net, pre-tax, FICA) (see Chapter 2)
69
Estimated Taxes Basics (1099/self-employed overview)
70
Tax-Advantaged Choices
2 subtopics
71
Traditional vs Roth: A practical decision framework
72
HSA vs FSA Basics (eligibility, usage, and common pitfalls)
73
Major Life Events & Big Decisions
3 subtopics
74
Renting vs Buying: Run a simple break-even comparison
75
Family Planning: Update beneficiaries, coverage, and budget
76
Education Funding: 529 overview and how to think about priorities
77
Estate Planning Basics
2 subtopics
78
Wills, Power of Attorney, and Healthcare Directives (basics)
79
Beneficiaries + TOD/POD Accounts: Keep them current

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