Skip to content

Learning Graph Concept List

Course: Personal Finance - A Practical Introduction to Modern Financial Literacy Total Concepts: 200 Generated: 2025-11-20

Foundational Financial Concepts (1-17)

  1. Money Management Principles
  2. Financial Goal Setting
  3. SMART Goals Framework
  4. Economic Literacy
  5. Financial Decision Making
  6. Opportunity Cost
  7. Trade-offs
  8. Time Value of Money
  9. Net Worth Calculation
  10. Net Worth Tracking
  11. Assets and Liabilities
  12. Personal Balance Sheet
  13. Income Statement
  14. Cash Flow Management
  15. Financial Independence
  16. Wealth Building Strategies
  17. Financial Planning Process

Banking & Cash Management (18-35)

  1. Commercial Banks
  2. Credit Unions
  3. Online Banking Services
  4. Checking Accounts
  5. Savings Accounts
  6. High-Yield Savings Accounts
  7. Account Fees
  8. Account Features Comparison
  9. Mobile Banking Apps
  10. ATM Usage
  11. Debit Cards
  12. Account Reconciliation
  13. Electronic Payments
  14. ACH Transfers
  15. Wire Transfers
  16. Peer-to-Peer Payment Apps
  17. Banking Security
  18. FDIC Insurance

Budgeting & Financial Planning (36-53)

  1. Personal Budgeting
  2. 50/30/20 Rule
  3. Zero-Based Budgeting
  4. Envelope Method
  5. Income Tracking
  6. Expense Categorization
  7. Fixed Expenses
  8. Variable Expenses
  9. Needs vs Wants Analysis
  10. Emergency Fund
  11. Three-Month Emergency Fund
  12. Six-Month Emergency Fund
  13. Automatic Savings
  14. Pay Yourself First
  15. Financial Records Organization
  16. Budget Tracking Tools
  17. Spending Patterns Analysis
  18. Budget Adjustment Strategies

Credit & Debt Management (54-78)

  1. Credit Score
  2. FICO Score
  3. VantageScore
  4. Credit Report
  5. Credit Bureaus
  6. Building Credit History
  7. Credit Utilization Ratio
  8. Payment History
  9. Length of Credit History
  10. Credit Mix
  11. New Credit Inquiries
  12. Credit Cards
  13. Credit Card APR
  14. Credit Card Rewards
  15. Responsible Credit Card Use
  16. Minimum Payments
  17. Consumer Debt
  18. Secured Debt
  19. Unsecured Debt
  20. Good Debt vs Bad Debt
  21. Interest Rate Calculation
  22. Debt Avalanche Method
  23. Debt Snowball Method
  24. Predatory Lending
  25. Payday Loans

Saving & Investing (79-108)

  1. Certificates of Deposit
  2. Investment Fundamentals
  3. Risk and Return
  4. Risk Tolerance
  5. Investment Time Horizon
  6. Stock Market
  7. Individual Stocks
  8. Market Indices
  9. Bonds
  10. Fixed Income Securities
  11. Treasury Bonds
  12. Corporate Bonds
  13. Municipal Bonds
  14. Mutual Funds
  15. Exchange-Traded Funds
  16. Index Funds
  17. Active vs Passive Investing
  18. Expense Ratios
  19. Compound Interest
  20. Rule of 72
  21. Dollar-Cost Averaging
  22. Asset Allocation
  23. Diversification
  24. Portfolio Rebalancing
  25. Market Volatility
  26. Bull Market
  27. Bear Market
  28. Investment Account Types
  29. Taxable Investment Accounts
  30. Capital Gains

Income & Taxes (109-127)

  1. Gross Income
  2. Net Income
  3. Paycheck Withholding
  4. W-4 Form
  5. W-2 Form
  6. Federal Income Tax
  7. State Income Tax
  8. FICA Taxes
  9. Tax Filing
  10. Form 1040
  11. Standard Deduction
  12. Itemized Deductions
  13. Tax Credits
  14. Tax Deductions
  15. Marginal Tax Rate
  16. Effective Tax Rate
  17. Tax Brackets
  18. Tax Planning
  19. Tax-Advantaged Accounts

Insurance & Risk Management (128-149)

  1. Insurance Principles
  2. Insurance Premium
  3. Insurance Deductible
  4. Co-payment
  5. Out-of-Pocket Maximum
  6. Health Insurance
  7. HMO Plans
  8. PPO Plans
  9. HDHP Plans
  10. Health Savings Account
  11. Auto Insurance
  12. Liability Coverage
  13. Collision Coverage
  14. Comprehensive Coverage
  15. Renter's Insurance
  16. Homeowner's Insurance
  17. Term Life Insurance
  18. Whole Life Insurance
  19. Disability Insurance
  20. Umbrella Policy
  21. Insurance Claims Process
  22. Risk Management Strategy

Major Purchases & Loans (150-165)

  1. Auto Loans
  2. Loan Interest Rates
  3. Loan Term Length
  4. New vs Used Vehicles
  5. Vehicle Depreciation
  6. Total Cost of Ownership
  7. Renting vs Buying
  8. Mortgage
  9. Fixed-Rate Mortgage
  10. Adjustable-Rate Mortgage
  11. FHA Loans
  12. Conventional Loans
  13. Down Payment
  14. Closing Costs
  15. Comparison Shopping
  16. Negotiation Skills

Consumer Protection & Financial Security (166-177)

  1. Identity Theft
  2. Identity Theft Prevention
  3. Credit Monitoring
  4. Password Security
  5. Two-Factor Authentication
  6. Phishing Scams
  7. Ponzi Schemes
  8. Pyramid Schemes
  9. Consumer Rights
  10. CFPB Protection
  11. Dispute Resolution
  12. Credit Freeze

College & Education Planning (178-186)

  1. College Cost Estimation
  2. Net Price Calculator
  3. Scholarships
  4. Grants
  5. FAFSA
  6. Federal Student Loans
  7. Private Student Loans
  8. College ROI
  9. Alternative Education Paths

Career Planning & Income (187-193)

  1. Career Exploration
  2. Income Potential Research
  3. Employee Benefits
  4. Total Compensation Package
  5. Side Hustles
  6. Salary Negotiation
  7. Professional Development

Retirement & Long-term Planning (194-200)

  1. 401(k) Plan
  2. Traditional IRA
  3. Roth IRA
  4. Employer Matching
  5. Social Security Benefits
  6. Retirement Savings Target
  7. Estate Planning Basics

Note: This list contains 200 distinct concepts covering all 12 chapters of the personal finance course. Each concept label is under 32 characters and uses Title Case formatting. These concepts will form the nodes of the learning graph, with dependencies to be established in the next step.