{"id":5029,"date":"2023-04-04T10:00:21","date_gmt":"2023-04-04T15:00:21","guid":{"rendered":"https:\/\/www.accrediteddebtrelief.com\/blog\/?p=5029"},"modified":"2026-01-12T17:45:28","modified_gmt":"2026-01-12T23:45:28","slug":"the-6-pillars-of-financial-literacy","status":"publish","type":"post","link":"https:\/\/www.accrediteddebtrelief.com\/blog\/the-6-pillars-of-financial-literacy\/","title":{"rendered":"The 6 Pillars of Financial Literacy"},"content":{"rendered":"\n<p>Financial literacy is a vital skill that can help you make informed decisions with your money. To celebrate the 20th Anniversary of Financial Literacy Month, we are exploring the six pillars of financial literacy to help you brush up on the skills you need to achieve economic success.<\/p>\n\n\n\n<!--more-->\n\n\n<style>.kt-accordion-id5029_3302af-02 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:0px;}.kt-accordion-id5029_3302af-02 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id5029_3302af-02 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:#555555;border-top-style:solid;border-right-color:#555555;border-right-style:solid;border-bottom-color:#555555;border-bottom-style:solid;border-left-color:#555555;border-left-style:solid;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#f2f2f2;font-size:18px;line-height:24px;color:#555555;padding-top:10px;padding-right:14px;padding-bottom:10px;padding-left:14px;}.kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#555555;}.kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#555555;}.kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#f2f2f2;}.kt-accordion-id5029_3302af-02 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id5029_3302af-02 .kt-blocks-accordion-header:focus-visible{color:#444444;background:#eeeeee;border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#eeeeee;}.kt-accordion-id5029_3302af-02 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id5029_3302af-02 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#ffffff;background:#444444;border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}.kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id5029_3302af-02:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#444444;}@media all and (max-width: 1024px){.kt-accordion-id5029_3302af-02 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id5029_3302af-02 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:#555555;border-top-style:solid;border-right-color:#555555;border-right-style:solid;border-bottom-color:#555555;border-bottom-style:solid;border-left-color:#555555;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id5029_3302af-02 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id5029_3302af-02 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id5029_3302af-02 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id5029_3302af-02 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id5029_3302af-02 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id5029_3302af-02 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:0px;}.kt-accordion-id5029_3302af-02 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id5029_3302af-02 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:#555555;border-top-style:solid;border-right-color:#555555;border-right-style:solid;border-bottom-color:#555555;border-bottom-style:solid;border-left-color:#555555;border-left-style:solid;}.kt-accordion-id5029_3302af-02 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id5029_3302af-02 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id5029_3302af-02 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id5029_3302af-02 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id5029_3302af-02 kt-accordion-has-2-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane5029_f2b9e6-01\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>About Financial Literacy Month<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>In 2003 the United State Senate established Financial Literacy Month, a national observance held every April. Its purpose is to promote financial education and awareness, especially among young adults and those who want to improve their financial literacy.<\/p>\n\n\n\n<p>During Financial Literacy Month, everyone is encouraged to learn about financial topics like budgeting, saving, investing, and managing credit. Throughout April, organizations, companies, and thought leaders offer workshops, webinars, and other resources to help individuals improve their financial literacy.<\/p>\n\n\n\n<p>The ultimate goal of Financial Literacy Month is to empower people to make wise financial decisions that will positively impact their lives long term. By educating others, we can help everyone achieve greater financial security, stability, and success.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Learn the 6 Pillars of Financial Literacy&nbsp;<\/h2>\n\n\n\n<p>Financial literacy is the ability to understand and effectively manage your personal finances. It requires a comprehensive understanding of concepts like budgeting, saving, investing, managing credit and financial products like credit cards, loans and retirement funds.<\/p>\n\n\n\n<p>Whether you&#8217;re a beginner or a money savvy-pro, paying attention&nbsp;to all six pillars of financial literacy will help you improve your relationship with money.&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#Pillar 1: Earn\">Earn<\/a><\/li>\n\n\n\n<li><a href=\"#Pillar-2:-Save\">Save<\/a><\/li>\n\n\n\n<li><a href=\"#Pillar-3:-Spend\">Spend<\/a><\/li>\n\n\n\n<li><a href=\"#Pillar-4:-Borrow\">Borrow<\/a><\/li>\n\n\n\n<li><a href=\"#Pillar-5:-Protect\">Protect<\/a><\/li>\n\n\n\n<li><a href=\"#Pillar-6:-Invest\">Invest<\/a><\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-theme-palette-1-color has-text-color\" id=\"Pillar-1:-Earn\">Pillar 1: Earn<\/h2>\n\n\n\n<p>Earning is a crucial pillar of financial literacy because it lays the foundation for your overall financial plan. Building and maintaining a steady income stream is necessary to meet your daily needs, pay bills and make investments for the future.&nbsp;<\/p>\n\n\n\n<p>You can earn income through:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hourly work<\/li>\n\n\n\n<li>A salaried position<\/li>\n\n\n\n<li>Independent contracting<\/li>\n\n\n\n<li>Entrepreneurship<\/li>\n\n\n\n<li>Investment returns,and more&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Build a Successful Income Stream<\/h3>\n\n\n\n<p>Anyone can earn money, but achieving financial literacy requires you to figure out how to use your knowledge, skills and talents to find opportunities that will maximize your earning potential. This knowledge will enable you to evaluate job offers and build a successful career by growing your role or seeking out new opportunities that take full advantage of what you have to offer.<\/p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"q9wpnaYT52\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/how-to-ask-for-a-raise\/\">How To Ask for a Raise<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;How To Ask for a Raise&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/how-to-ask-for-a-raise\/embed\/#?secret=JuP4pUgpYk#?secret=q9wpnaYT52\" data-secret=\"q9wpnaYT52\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"dZJ8rIcSeO\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/24-of-the-highest-paying-jobs-you-can-get-without-a-degree\/\">24 of the Highest Paying Jobs You Can Get Without a Degree<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;24 of the Highest Paying Jobs You Can Get Without a Degree&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/24-of-the-highest-paying-jobs-you-can-get-without-a-degree\/embed\/#?secret=xTAVDE02cS#?secret=dZJ8rIcSeO\" data-secret=\"dZJ8rIcSeO\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Supplement or Increase Your Income<\/h3>\n\n\n\n<p>Starting a side hustle or other passive income stream is a great way to boost your earnings, especially if you are working toward a specific goal like saving for a big purchase or paying off debt. But if you&#8217;re constantly picking up extra work just to make ends meet, it could be time to look for a new job that supports your financial needs.<\/p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"Fztj2wmqhq\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/tips-to-improve-your-job-search-in-2023\/\">Tips to Improve Your Job Search in 2023<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Tips to Improve Your Job Search in 2023&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/tips-to-improve-your-job-search-in-2023\/embed\/#?secret=1oOOsqjP4e#?secret=Fztj2wmqhq\" data-secret=\"Fztj2wmqhq\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"yCguUVhcbh\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/side-work-and-freelancing-ideas-for-your-next-hustle\/\">Side Work and Freelancing: Ideas for Your Next Hustle<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Side Work and Freelancing: Ideas for Your Next Hustle&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/side-work-and-freelancing-ideas-for-your-next-hustle\/embed\/#?secret=CmHKypRUnt#?secret=yCguUVhcbh\" data-secret=\"yCguUVhcbh\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-theme-palette-1-color has-text-color\" id=\"Pillar-2:-Save\">Pillar 2: Save<\/h2>\n\n\n\n<p>No financial plan is complete without a money-saving strategy. A solid savings plan will help you prepare for the future and work toward financial goals while balancing your everyday spending.<\/p>\n\n\n\n<p>By saving money, you could:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Build an emergency fund to cover unexpected expenses such as job loss or medical bills<\/li>\n\n\n\n<li>Make big purchases without having to rely on credit<\/li>\n\n\n\n<li>Handle sudden home or car repairs with ease<\/li>\n\n\n\n<li>Afford enjoyable experiences like hobbies or vacations<\/li>\n\n\n\n<li>Cover medical expenses not covered by your insurance<\/li>\n\n\n\n<li>Prepare for a comfortable retirement<\/li>\n\n\n\n<li>Leave a financial legacy for your loved ones<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Save for the Future<\/h3>\n\n\n\n<p>People who save for the future have the financial security to deal with unexpected expenses without taking on debt. Putting money aside for important purchases and meaningful experiences can also improve your quality of life and help you retire comfortably.&nbsp;<\/p>\n\n\n\n<p>Without savings, you may have to rely on credit cards or loans to cover expenses, leading to debt and financial stress.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"zYgpNfAFYV\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/why-you-should-have-an-emergency-fund\/\">6 Tips To Save For An Emergency Fund<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;6 Tips To Save For An Emergency Fund&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/why-you-should-have-an-emergency-fund\/embed\/#?secret=vFdiDKzsF0#?secret=zYgpNfAFYV\" data-secret=\"zYgpNfAFYV\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"FyvJBxsHLM\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/how-to-have-twice-the-savings-when-you-retire\/\">How to Have Twice The Savings When You Retire<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;How to Have Twice The Savings When You Retire&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/how-to-have-twice-the-savings-when-you-retire\/embed\/#?secret=pZjJWweRDD#?secret=FyvJBxsHLM\" data-secret=\"FyvJBxsHLM\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Find New Ways To Save<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.forbes.com\/advisor\/banking\/savings\/how-to-automate-your-savings\/\" target=\"_blank\" rel=\"noreferrer noopener\">Automating your savings<\/a> can help keep your plan on track no matter what else is going on in your life. However, if you want to boost your savings in new ways, financial challenges are a good way to try new techniques, make saving more fun and could help you break back spending habits.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"ROczul6a0z\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-saving-challenges\/\">50 Money Saving Challenges That\u2019ll Truly Motivate You to Save<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;50 Money Saving Challenges That\u2019ll Truly Motivate You to Save&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-saving-challenges\/embed\/#?secret=DG1B1mzf2A#?secret=ROczul6a0z\" data-secret=\"ROczul6a0z\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"pNyiAkR92R\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/5-unique-savings-challenges-to-try\/\">5 Unique Savings Challenges to Try This Year<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;5 Unique Savings Challenges to Try This Year&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/5-unique-savings-challenges-to-try\/embed\/#?secret=UL6iBrYxqp#?secret=pNyiAkR92R\" data-secret=\"pNyiAkR92R\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-theme-palette-1-color has-text-color\" id=\"Pillar-3:-Spend\">Pillar 3: Spend<\/h2>\n\n\n\n<p>Budgeting is fundamental to financial literacy because it\u2019s the best way to understand where your money is going and what changes you need to make to achieve your financial goals.&nbsp;<\/p>\n\n\n\n<p>Taking a few simple steps to track your expenses every month can help you identify areas where you need to tighten the purse strings \u2014 or show that you\u2019re due for a well-deserved splurge!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">It All Starts With a Budget<\/h3>\n\n\n\n<p>Regular budgeting and reviewing purchases will help you notice trends and see ways to make the most of your money. Budgeting also encourages disciplined saving because it gives you the tools you need to prioritize. Once budgeting is a part of your routine, you\u2019ll be less likely to make impulsive purchases, overextend yourself or take on unnecessary debts.<\/p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"JySrlTiCLy\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/four-common-budget-types\/\">Four Common Budget Types<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Four Common Budget Types&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/four-common-budget-types\/embed\/#?secret=0XaKwYVtj1#?secret=JySrlTiCLy\" data-secret=\"JySrlTiCLy\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"GmsbyCe0KP\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/start-budgeting-with-our-free-worksheet\/\">Start Budgeting With Our Free Worksheet<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Start Budgeting With Our Free Worksheet&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/start-budgeting-with-our-free-worksheet\/embed\/#?secret=c773y9JAHe#?secret=GmsbyCe0KP\" data-secret=\"GmsbyCe0KP\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Find the Budgeting Method That Is Best for You<\/h3>\n\n\n\n<p>The most important thing to remember when selecting a budgeting method is that there is no one-size-fits-all solution \u2014 what works for someone else may not work for you. The key to finding the right system is understanding your spending habits and lifestyle.<\/p>\n\n\n\n<p>Be honest about your strengths and weaknesses, and pick the budget you are most likely to stick to!<\/p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"0oj23f2tXN\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/how-to-budget-using-the-envelope-method\/\">How To Budget Using The Envelope Method<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;How To Budget Using The Envelope Method&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/how-to-budget-using-the-envelope-method\/embed\/#?secret=Bax3E3YRdK#?secret=0oj23f2tXN\" data-secret=\"0oj23f2tXN\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"ljeYC8nRq2\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/50-30-20-budgeting-what-it-is-and-how-it-works\/\">50\/30\/20 Budgeting: What It Is and How It Works<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;50\/30\/20 Budgeting: What It Is and How It Works&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/50-30-20-budgeting-what-it-is-and-how-it-works\/embed\/#?secret=9YKuNE2BVQ#?secret=ljeYC8nRq2\" data-secret=\"ljeYC8nRq2\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-theme-palette-1-color has-text-color\" id=\"Pillar-4:-Borrow\">Pillar 4: Borrow<\/h2>\n\n\n\n<p>Being informed about borrowing includes understanding the various types of credit available, the conditions under which you can and should borrow and the risks and costs involved in taking on debt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Understanding Credit and Good and Bad Debt<\/h3>\n\n\n\n<p>Debt is often viewed as a negative aspect of personal finance, but not all debt is created equal. Good debt can be an effective tool for building wealth, while bad debt can be a significant barrier to financial success. Knowing the difference can help you make informed choices that will set you up for long-term financial success.<\/p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"3drKXKYOSM\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/managing-credit-good-debt-vs-bad-debt\/\">Managing Credit: Good Debt vs. Bad Debt<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Managing Credit: Good Debt vs. Bad Debt&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/managing-credit-good-debt-vs-bad-debt\/embed\/#?secret=2dPpqITPcN#?secret=3drKXKYOSM\" data-secret=\"3drKXKYOSM\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"p9qjNQ9hVw\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/what-is-a-line-of-credit\/\">What Is a Line of Credit?<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;What Is a Line of Credit?&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/what-is-a-line-of-credit\/embed\/#?secret=XuraKRGUMS#?secret=p9qjNQ9hVw\" data-secret=\"p9qjNQ9hVw\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Maintaining a Healthy Credit Score<\/h3>\n\n\n\n<p>Your credit score affects your ability to borrow money and the interest rates you will be charged. By protecting your credit score, you can avoid high-interest debt and access better borrowing options when you need them.<\/p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"meogZ6g3de\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/credit-score-breakdown-know-the-anatomy-of-a-credit-score\/\">Credit Score Breakdown: Know the Anatomy of a Credit Score<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Credit Score Breakdown: Know the Anatomy of a Credit Score&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/credit-score-breakdown-know-the-anatomy-of-a-credit-score\/embed\/#?secret=0Ev0XHbkWA#?secret=meogZ6g3de\" data-secret=\"meogZ6g3de\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"IDNoLpJzFv\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/credit-101-a-college-students-guide-to-establishing-credit\/\">Credit 101: A College Student&#8217;s Guide to Establishing Credit<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Credit 101: A College Student&#8217;s Guide to Establishing Credit&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/credit-101-a-college-students-guide-to-establishing-credit\/embed\/#?secret=nq8BxKWG3n#?secret=IDNoLpJzFv\" data-secret=\"IDNoLpJzFv\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-theme-palette-1-color has-text-color\" id=\"Pillar-5:-Protect\">Pillar 5: Protect<\/h2>\n\n\n\n<p>Safeguarding your sensitive financial information and understanding the risks and consequences of borrowing money and taking on debt will help you protect your financial health.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Protect Yourself From Overwhelming Debt<\/h3>\n\n\n\n<p>By becoming financially literate about debt, you can make smarter choices that prevent you from overextending yourself financially. If you already have debt and have become overwhelmed by it, you can learn about ways to get through it and restore your financial health.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"4ajXCcIwSa\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/3-surprising-ways-to-pay-off-25000-in-debt\/\">3 Surprising Ways to Pay Off $25,000 in Debt<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;3 Surprising Ways to Pay Off $25,000 in Debt&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/3-surprising-ways-to-pay-off-25000-in-debt\/embed\/#?secret=DVFskjAVMY#?secret=4ajXCcIwSa\" data-secret=\"4ajXCcIwSa\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"iCxYc5bUm9\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/6-reasons-youre-stuck-in-debt\/\">6 Reasons You&#8217;re Stuck in Debt<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;6 Reasons You&#8217;re Stuck in Debt&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/6-reasons-youre-stuck-in-debt\/embed\/#?secret=wW5vr3OGNV#?secret=iCxYc5bUm9\" data-secret=\"iCxYc5bUm9\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Protect Your Financial Information<\/h3>\n\n\n\n<p>Protecting your financial information can prevent identity theft and unauthorized access to your accounts. Prevention is vital because these financial crimes can do severe and lasting damage to your economic well-being.<\/p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"98vByXUWtW\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/20-identity-theft-warning-signs-to-watch-out-for\/\">20 Identity Theft Warning Signs to Watch Out For<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;20 Identity Theft Warning Signs to Watch Out For&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/20-identity-theft-warning-signs-to-watch-out-for\/embed\/#?secret=GP6CecgekS#?secret=98vByXUWtW\" data-secret=\"98vByXUWtW\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"4GetkA2h0H\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/6-real-life-money-horror-stories\/\">6 Real-Life Money Horror Stories<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;6 Real-Life Money Horror Stories&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/6-real-life-money-horror-stories\/embed\/#?secret=Fukt5u8Wp8#?secret=4GetkA2h0H\" data-secret=\"4GetkA2h0H\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-theme-palette-1-color has-text-color\" id=\"Pillar-6:-Invest\">Pillar 6: Invest<\/h2>\n\n\n\n<p>Investing money is a crucial pillar of financial literacy because it is the most powerful way to grow wealth and reach long-term financial security. Investing is all about putting your money to work for you in ways that make it grow over time.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Make Your Money Work for You<\/h3>\n\n\n\n<p>Passive income is any income earned without requiring significant effort or ongoing involvement. It is sometimes called residual or investment income because it generates earnings after the initial work is completed.&nbsp;<\/p>\n\n\n\n<p>This type of income can be generated from various sources, such as interest from savings or investment accounts, rental property, dividend-paying stocks or royalties from creative work or patents.<\/p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"6dmetHA4vf\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/5-ways-to-make-passive-income\/\">5 Ways To Make Passive Income<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;5 Ways To Make Passive Income&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/5-ways-to-make-passive-income\/embed\/#?secret=1MmpoVpY48#?secret=6dmetHA4vf\" data-secret=\"6dmetHA4vf\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"BAVbaT5eNP\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/essential-apps-for-your-financial-toolkit\/\">Essential Apps for Your Financial Toolkit<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Essential Apps for Your Financial Toolkit&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/essential-apps-for-your-financial-toolkit\/embed\/#?secret=d9oWelxAeY#?secret=BAVbaT5eNP\" data-secret=\"BAVbaT5eNP\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">How Financially Savvy Are You?<\/h2>\n\n\n\n<p>According to a poll by S&amp;P Global Ratings, around 57% of Americans consider themselves financially literate. However, The United States only ranks 14th globally for our population\u2019s financial literacy.<\/p>\n\n\n\n<p>Chances are, even if you feel pretty confident in your financial literacy, you could take your skills to the next level by seeking out new information and resources on personal finance, like those in this blog.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Improve Your Financial Literacy<\/h3>\n\n\n\n<p>There is always more to learn, and staying curious about your financial literacy can help you make better decisions and set higher goals. You can attend workshops, take online classes or read books and blogs about personal finance, budgets and investing. Also, talking with a financial planner or accountant is a great way to feel confident about major financial decisions.&nbsp;&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"j6CvWN406n\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/are-personal-finance-courses-worth-it\/\">Are Personal Finance Courses Worth It?<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Are Personal Finance Courses Worth It?&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/are-personal-finance-courses-worth-it\/embed\/#?secret=a4FUXVOKuM#?secret=j6CvWN406n\" data-secret=\"j6CvWN406n\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"Ww9hEf05CM\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-advice-that-finance-experts-ignore\/\">Money Advice That Finance Experts Ignore<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Money Advice That Finance Experts Ignore&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-advice-that-finance-experts-ignore\/embed\/#?secret=aK2Hpzs5hH#?secret=Ww9hEf05CM\" data-secret=\"Ww9hEf05CM\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Money Advice at Any Age<\/h3>\n\n\n\n<p>The financial needs of people at different ages vary greatly due to various life changes and goals.&nbsp;<\/p>\n\n\n\n<p>For example, teenagers entering the workforce must learn how to budget and build credit for the first time. Those in their twenties may be looking to save for a home or start investing in the stock market. In contrast, individuals in their forties and fifties are more likely to be focused on saving for retirement and determining how much they need to maintain their lifestyle.&nbsp;<\/p>\n\n\n\n<p>Different age groups often require different levels of risk tolerance when it comes to investments as well e.g., younger adults may have more freedom to invest aggressively, while retirees need a safer approach that guarantees returns.<\/p>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"BT46SJC05n\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-advice-for-your-20s\/\">Money Advice for Your 20s<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Money Advice for Your 20s&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-advice-for-your-20s\/embed\/#?secret=4Le2XqNjw9#?secret=BT46SJC05n\" data-secret=\"BT46SJC05n\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"fZOjy7FW2T\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-advice-for-your-30s\/\">Money Advice for Your 30s<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Money Advice for Your 30s&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-advice-for-your-30s\/embed\/#?secret=3wEr13YYma#?secret=fZOjy7FW2T\" data-secret=\"fZOjy7FW2T\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n <blockquote class=\"wp-embedded-content\" data-secret=\"PZD6NyNSQW\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-advice-for-your-40s\/\">Money Advice for Your 40s<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Money Advice for Your 40s&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-advice-for-your-40s\/embed\/#?secret=yxBdA5GpPp#?secret=PZD6NyNSQW\" data-secret=\"PZD6NyNSQW\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"vjSbFj66HW\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-advice-for-your-50s\/\">Money Advice for Your 50s<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Money Advice for Your 50s&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-advice-for-your-50s\/embed\/#?secret=UArwJGSQpI#?secret=vjSbFj66HW\" data-secret=\"vjSbFj66HW\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n <blockquote class=\"wp-embedded-content\" data-secret=\"Dj56H9j3ru\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-advice-for-your-60s-and-beyond\/\">Money Advice for Your 60s and Beyond<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Money Advice for Your 60s and Beyond&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/money-advice-for-your-60s-and-beyond\/embed\/#?secret=inbr14IYWh#?secret=Dj56H9j3ru\" data-secret=\"Dj56H9j3ru\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-top-dollar wp-block-embed-top-dollar\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"OgKXE3yqDe\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/the-best-financial-lessons-our-parents-taught-us\/\">The Best Financial Lessons Our Parents Taught Us<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;The Best Financial Lessons Our Parents Taught Us&#8221; &#8212; Top Dollar\" src=\"https:\/\/www.accrediteddebtrelief.com\/blog\/the-best-financial-lessons-our-parents-taught-us\/embed\/#?secret=OBimpak4ZD#?secret=OgKXE3yqDe\" data-secret=\"OgKXE3yqDe\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financial literacy is a vital skill that can help you make informed decisions with your money. To celebrate the 20th Anniversary of Financial Literacy Month, we are exploring the six pillars of financial literacy to help you brush up on the skills you need to achieve economic success.<\/p>\n","protected":false},"author":7,"featured_media":5075,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","footnotes":""},"categories":[50],"tags":[],"class_list":["post-5029","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-planning"],"accredited":{"author":{"name":"Anna Caldwell","url":"https:\/\/www.accrediteddebtrelief.com\/blog\/author\/acaldwell\/"},"categories":[{"name":"Financial Planning","slug":"finance-planning","url":"https:\/\/www.accrediteddebtrelief.com\/blog\/category\/finance-planning\/"}],"thumbnail":"https:\/\/www.accrediteddebtrelief.com\/blog\/wp-content\/uploads\/2023\/04\/768x432_TD_6PillarsofFinLit_v2.jpg"},"acf":{"edited_by":"","reviewed_by":"","fact_checked_by":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - 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