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Welcome to Adulting 101
Select a topic to begin learning
Finance
Personal Budgeting & Financial Literacy
Career exploration
Job Hunting & Skill Development
Digital Citizenship
Online Safety & Responsibilities
Finance Topics
Select a lesson to begin mastering your money.
Intro - What is Financial Literacy?
Where do I start?
Using Money
"What should I buy today?"
Smart Decisions
Think first, buy later.
How to Make Money
Where does money come from?
The Art of Budgeting
Create a SMART plan to tell your money where to go.
Banking & Hidden Fees
Avoid small fees that drain your savings over time.
Your Financial Reputation
Understand how your credit history affects your future loans.
Cars and Loans
Budget for the "real" cost of ownership beyond the monthly payment.
Saving and Investing
See how small amounts grow into large sums with interest.
Understanding Bonds
How lending to the governments can earn you interest.
Diversification & Index Funds
Spread your risk.
Stocks & Portfolios
Ownership in companies and how to manage your assets.
Interactive Finance Tools
50/30/20 Budget Calculator
Divide your income: 50% for needs, 30% for wants, and 20% for savings.
Needs: $0 | Wants: $0 | Savings: $0
Cost in Work-Hours
See how many hours you actually have to work to pay for a specific item.
Work needed: 0 hours
Savings Simulator
Watch how your money grows over time when you save a little bit every month.
Future Total: $0
Loan Monthly Payment
Calculate what your monthly bill would be for a car or personal loan.
Monthly Payment: $0
Market Risk Roulette: Retirement Edition
Invest your $1,000. Each spin represents 1 year of market activity.
Career Exploration
Connecting academic theory to real-world career applications.
Career Readiness & NACE Competencies
Soft Skills & Professionalism
Discovering Your Career Path
Learning a Trade
Get paid to learn a skill like plumbing or car repair.
Finding Your 'Vibe'
Take a test to see which jobs match your personality.
Picking Your Own Classes
How to make high school work for your future goals.
Testing a Career
Do a 'trial run' of a job to see if you actually like it.
Being a Good Teammate
Master the 'people skills' needed for every job.
Resume "Before & After"
Click the 3 "Red Flags" in this messy resume to unlock the professional Level 100 version!
Email: skaterboi99@yahoo.com
Objective: To get a job so I can make money.
Experience: I helped out at a snack bar and did some stuff for a school event.
Level 100 Resume Unlocked!
Email: first.last@professional.com
Objective: Dedicated student seeking to apply leadership and organizational skills in a professional setting.
Experience: Managed daily operations and inventory for a school snack bar. Organized and promoted a 100th-day campus event for PPEP Tec CCLC students.
Workplace Scenarios
Your boss gives you feedback you disagree with. What do you do?
100 Days Post-Graduation
List 3 actionable things you will do in your first 100 days as a grad.
Digital Citizenship
Learning to act responsibly and safely in the digital world.
Media Literacy & Fact Checking
Protecting Privacy & Info
Identifying Media Bias
Spotting Fake News
Learn how to tell if a website is telling the truth or lying.
Giving Credit Online
How to use internet resources without stealing someone's work.
Your Digital Footprint
Understand that what you post today stays online forever.
Protecting Yourself Online
Keep your passwords strong and your private info safe.
Stopping Cyberbullying
Learn how to handle online harassment and stay safe.
Interactive Digital Tools
Password Strength Tester
Test your password habits. (Note: Never use your real school password for testing!)
Phishing "Link Inspector"
Hover over the button to reveal the destination. Can you spot the scam?
From: support@netfIix-billing.com
Subject: Account Suspended!
Tip: Scammers often use a capital "I" instead of a lowercase "l".
Digital Footprint Scorecard
How safe are your online habits? Calculate your score out of 100.
What can your apps access on your phone?
App Loading...
Loading permission...
App Review
Sources & Bibliography
The data and logic used in these tools are based on the following professional standards and resources.
Finance Data
- 50/30/20 Rule: Popularized by Senator Elizabeth Warren in All Your Worth.
- Loan Calculations: Based on standard amortization formulas used by institutions like the USDA for home loans.
- The Importance of Financial Literacy: Opening a New Field: Lusardi, Annamaria, and Olivia S. Mitchell. 2023. "The Importance of Financial Literacy: Opening a New Field." Journal of Economic Perspectives 37 (4): 137–54. DOI: 10.1257/jep.37.4.137 https://www.aeaweb.org/articles?id=10.1257/jep.37.4.137
- Basic investing terms and definitions for Kids & Teens: Mydoh. (2025, December 18). https://www.mydoh.ca/learn/money-101/basic-investing-terms-and-definitions/
- Extra: Morris, G. (2025, April 22). Free financial literacy lesson plans for high school teachers. InCharge Debt Solutions. https://www.incharge.org/financial-literacy/resources-for-teachers/high-school/
Career Readiness
- Competencies: Based on the NACE (National Association of Colleges and Employers) career readiness standards.
- What Is Career Exploration? (Including 7 Valuable Resources) Indeed.com canada. indeed. https://ca.indeed.com/career-advice/finding-a-job/career-explorations
- Resume Best Practices: Adapted from university career center guidelines and professional recruitment standards.
- Extra: Career exploration toolkit. Oregon Goes To College. (n.d.). https://oregongoestocollege.org/toolkits/career-exploration
Digital Citizenship
- Media literacy and digital citizenship in the era of social media: Ahmad Syakir Salman Salleh @ Abdul Latif, Zambri, W. A. A. M., Latiff, D. I. A., & Kamal, S. (2023, November 13). HRMARS. https://hrmars.com/IJARBSS/article/view/19392/Media-Literacy-and-Digital-Citizenship-in-the-Era-of-Social-Media
- Digital Literacy Lessons: Southern Poverty Law Center. (n.d.). https://www.splcenter.org/learning-for-justice/digital-literacy-lessons/
- How to teach Digital Literacy Skills: iCEV, T. (2023, September 26). https://www.icevonline.com/blog/teach-digital-literacy-skills#:~:text=Whether%20or%20not%20your%20district,Understanding%20Digital%20Footprints
Module Title
1. Learn
Core concepts will be presented here.
2. Practice
Scenario description goes here...
3. Quiz
Assess your knowledge to track your progress.