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PRIVACY NOTICE

This Policy applies as between you, the User of this Web Site and Westbridge Academy the owner and provider of this Web Site. This Policy applies to our use of any and all Data collected by us in relation to your use of the Web Site and any Services or Systems therein.

1. Personal Data We Collect

We collect the following types of personal data:

User registration details (name, email, login credentials).
Educational progress data (course participation, assessments).
Payment details (if applicable).
Technical data (IP addresses, device information, cookies).

2. How We Use Your Personal Data

We process personal data to:

Deliver educational services through REACH.
Improve user experience and course content.
Monitor compliance with program policies

Westbridge Academy does not sell or share user data to third parties except as specified in this Notice.

3. Data Protection & Security

We employ industry-standard security measures. However, we cannot guarantee complete security against cyber threats.

4. User Rights

Users have the right to:

Access and review personal data.
Request deletion of personal data.
Opt out of promotional communications.

To exercise these rights, contact Westbridge Academy’s Privacy Officer.

5. Cookies & Tracking Technologies

We use cookies to enhance functionality. Users can manage cookie settings through their browsers.

6. Retention of Personal Data

We retain personal data:

As long as the user account is active.
As required for legal compliance.
In conformity with our data retention policy.

7. Third-Party Personal Data Sharing

We may share data with:

Accredited educational partners for certification.
Regulatory bodies if required by law.
Service providers (e.g., payment processors, cloud storage).

8. Changes to Privacy Notice

We may update this Privacy Notice periodically. Users will be notified of material changes via email or website notice.

WESTBRIDGE ACADEMY is a non-profit NJ State Approved Private Special Education School in
Bloomfield, NJ for students with emotional, behavioral and learning challenges in grades K-12.

2. In a group chat, a rude comment was made about math, and then others joined in making rude comments about their math skills. I would defend the original person by saying, "Let's be kind. Everyone learns at a different pace."

1. Someone posted a video of their dance moves. There is a kind comment, a bullying comment, and a feedback comment. I would post a kind comment like, "Keep dancing and don't let rude comments stop you!"

3. A comment puts someone down when they're already feeling sad about not making the soccer team. This is a mean and unkind comment. I would say, "I'm proud of you for trying! Ignore rude comments."

4. This is a respectful disagreement. No one's being rude. There's no need to step in.

The steep icy hill is likely to make the sledders go faster because gravity acts more strongly on a steeper slope and the icy surface reduces friction.

A derby car track designer would rank Track B as the best of the three. With its high starting slope and smooth flat surfaces, the derby cars would be able to roll along with track with ease, picking up speed and staying in their lane. Track A would come in second place, the bumps and dips are not ideal for a smooth ride, but the inclined starting slope will help the cars to pick up momentum. Track C would come in last place; the rough and uneven lanes are not suitable for fast speeds and smooth travel.

👍 A smiling, professional picture shows that this person is positive and approachable.
👎 Just because they don't mention sports in their bio does not definitely mean they don't like sports. They could be choosing to share only other parts of themselves online.
👍 The text, "passion for learning and a drive to succeed" sends a clear message that this person is motivated to meet their goals.

👍 This person's bio and pictures show right away that this person is tech-savvy.
👎 This person might like to travel because they have pictures of cities but those could also be places they want to visit, or that inspire them.
👍 The text, "Let's innovate together!" shows this person wants to work with others.

👍 This person probably likes music because they are wearing ear buds in their profile picture.
👍 They probably also like cats because 🐈 is in their bio.
👎 However, just because they are looking away from the camera does not mean they are shy.

👎 This person's pictures show they like flowers, but that doesn't mean they grow them.
👍 Their photos and text show they love nature.
👍 This person's bio shows they are creative because they love photography and they say they have a passion for "all things creative."

🚩

This could be fake. If you see a headline like this, check that the source is trustworthy. Then, check another source to make sure they say the same thing.

✅

This sounds like real news and a great way to contribute to your community! It's still important to check the source and confirm the information.

A future employer...

1. 😱...may be concerned that you could be late for work.
2. 😱...may be shocked that you got an "F" in school or that you posted a negative comment about your teacher.
3. 😀...may be pleased that you volunteer.
4. 😀...may be happy that you finished your project.

1. created
2. curated
3. created

4. curated
5. created
6. curated

1. 👎 This person is probably trying to be funny with their post but it's not kind to the person who fell.
2. 👍 Okay to post!
3. 👎 This may not be true and is not respectful of the person's privacy.
4. 👍 Okay to post!

1. ❌ You should never share the name of your school because it can be used to locate you.
2. ❌ Only share your email address with people or groups you know and trust.
3. ✅ This information can be shared.

This post was curated.
It adds value by motivating or inspiring others!

This post was created.
It adds value by sharing something original, fun, and creative that others can enjoy, learn from, or be inspired by.

This post was curated.
It adds value by spreading useful information, helping others stay informed, and can spark thoughtful conversations.

They are consistent because they stream every Friday.
They engage with followers by asking them to comment.
They seem authentic by sharing their passion.

It's hard to tell how consistent they are. I wonder how often they post?
I wonder if they engage with followers who comment? To become an influencer, you need to engage regularly and increase your followers.
They seem authentic by sharing their life.

This person is probably consistent because they have so many followers.
They engage with followers by sharing promo codes for products.
They seem authentic by helping others.

Proactive

This post was planned and shares a tip from this person.

Reactive

This post is in response to a dance trend.

Reactive

This post is in response to a movie.

Proactive

This post is sharing an original drawing for others to engage with.

@AlwaysHungry21's Personal Brand

This person's brand is built around a love for food and culture, using joyful and engaging content to create a sense of connection, curiosity, and community around food.

@AnimalLover365's Personal Brand

This person's brand is built around around kindness, advocacy, and education—using heartwarming stories, helpful information, and adorable pictures to inspire a more compassionate world for animals.

Saturday

Saturday had a total of 192 likes and comments, the most for the week. This shows the baker Saturday is the best day to post new content and engage with their followers.

Tuesday

Tuesday had the fewest total comments and likes. This might be a good day for the baker to "take off" as there is not much engagement with their posts on this day.

6pm

The baker's posts receive the most likes and comments when they post at 6pm. This is the best time of day for the baker to engage with their followers.

The baker...

posts reset videos on the same day every week.
plans the posting schedule on the same day every week.
tests a recipe on the same day every week.
shares a recipe on the same day every week.
shares a video of a dessert on the same day every week.

The baker probably gets the least engagement on the days they don't post (like the holiday weekend) and on the days they plan (instead of posting).

#BlackLivesMatter

#FridaysForFuture

#PeriodPoverty

#GirlsWhoCode

You can learn what it's like to live in space from a real astronaut. If this was a real post, you could keep checking back to see the astronaut's answers to their followers questions and learn even more!

You can learn about Cleopatra. If this were a real post, you could probably click on the profile to find more information about Cleopatra and the Great Pyramids.

🔴

This post could hurt their reputation because it sounds disrespectful and unprofessional. Even if they didn’t name names, it could make other people think they are hard to work with or don’t take volunteering seriously.

🟢

This post could help their reputation because it shows excitement, professionalism, and ambition. It is also smart that they did not name the person or company they are working for and kept the post about their own goals.

🟢

This post could help their reputation because it shows dedication, teamwork, and a strong work ethic. They are sharing qualities that coaches, teachers, and future employers value.

🔴

This post could hurt their reputation because it spreads rumors and creates drama. Even though they didn't name anyone else, teachers, classmates, or future employers might see this as a sign of poor character or someone who stirs up negativity instead of handling concerns in a mature, private way.

This car is built for speed. Placing weight in the middle creates a well-balanced vehicle. It keeps the car steady and helps it roll smoothly. This setup is a safe starting point—it’s unlikely to flip and still allows for acceleration of speed.

This car is built for stability. When weight is placed toward the front of a vehicle, it tends to make the car more stable because it lowers the center of gravity toward the front axle.

This car may flip easily. When most of the weight is placed toward the back, gravity pulls the car for a longer time. This gives the car more acceleration and makes it go faster downhill. But if the front gets too light, it may wobble, lift, or even flip off the road, especially on bumps or turns.

The steep half-pipe will make the skateboarder go faster due to the stronger force of gravity pulling them down the steeper slope.

Brittney violated the rule about weight limits. Cars must be within the designated weight before the race begins to keep things fair.

Brittney should have checked her car’s weight before the race, during the inspection period, to make sure it followed the rules.

This breaks the rule of respecting other racers’ cars. Once a car is checked and ready for the race, no one is allowed to make adjustments without permission.

The student should ask permission before adjusting another team’s car. If adjustments are needed, they should be made during the designated times or with the consent of the car’s owner.

Chris is breaking the rule that cars must be gravity-powered. A motor or battery-powered car is not allowed, as it gives an unfair advantage.

Chris should have relied on gravity to power his car. Cars should only use weight and design features, not motors or batteries, to ensure a level playing field.

By keeping a steady hand and letting the buffer do the work gently, you’ll avoid damaging the paint. Pressing too hard can cause swirl marks or even damage the surface. Precision is important here, and by staying calm and focused, you can achieve a smooth, polished finish without mistakes.

Safety comes first. By washing your hands immediately, you’re avoiding harmful exposure to the chemical and making sure the area is clean and safe. You may also report the spill to an adult!

Precision is key in detailing, and by taking your time and using the right attachments, you ensure that all areas of the car, even the hidden ones, are cleaned thoroughly. Patience and attention to detail will lead to the best results and a truly clean car.

1. Eat a fruit or vegetable at every meal

2. Drink 8 glasses of water

3. Turn off all screens at least 20 minutes before bed

4. Take a short walk or stretch break every hour

1. Do a 5 minute calming activity (breathe, stretch, walk) when you feel stressed

2. Write down one thing that helped you

3. Keep a feelings journal to write or draw about your emotions

4. Listen to music that improves your mood

1. Say hello or smile at someone

2. Spend time with friends or family

3. Listen carefully without interrupting

4. Thank someone or show appreciation

1. Track what you spend.

2. Save a little when you can.

3. Compare prices before buying.

4. Plan before spending money.

5. Avoid buying on impulse.

1. Try something challenging

2. Write or say one daily affirmation

3. Spend 15+ minutes on a hobby

4. Use a planner or to-do list

1. Reflect on what's important to you

2. Practice gratitude by naming one thing you're thankful for

3. Take a quiet moment for yourself

4. Do something kind for someone else

⭐ This shows resilience because you’re learning from mistakes and trying again instead of letting failure stop you.

⚠️ This does not show resilience because it avoids taking responsibility or learning from the experience, which means you won’t grow or improve.

⭐ This shows resilience because you’re aware of your emotions and thinking about healthy ways to handle it instead of reacting impulsively or shutting down.

⚠️ This does not show resilience because it creates more conflict and avoids dealing with your feelings in a healthy way.

⭐ This shows resilience because you’re managing your emotions and giving yourself space to think before acting.

⚠️ This does not show resilience because it keeps the conflict going and doesn’t help you handle your feelings in a healthy way.

It's good you noticed this! Being aware is the first step. Try to figure out what might be causing it or talk to someone about it.

That's great! Keep noticing what helps you stay calm and relaxed.

Thanks for being honest. Try learning one calming strategy like deep breathing or counting to 10 for the next time you feel upset.

Awesome! Keep using those skills to manage your emotions.

Let's find one! Try deep breathing, talking to someone, or taking a break.

That's great! Keep practicing so it's ready when you need it.

That's important to notice. Try talking to a trusted adult about it or practicing calming strategies.

Great! Keep doing what helps you feel rested and less worried.

That's okay! Start paying attention to how your body feels when you're stressed.

Awesome! Knowing these signs helps you act before stress gets too big.

Great! Keep reaching out when you need support.

It's important to have help. Think about who you might trust - a teacher, family member, or counselor.

🔋 For many people, connecting with someone you trust can recharge you and reduce stress.

🔋 Eating a favorite dessert or snack can lift your mood, help you feel cared for, and give you a small break from stress. Enjoying a treat in moderation can be a simple way to take care of your feelings and recharge when you need it.

🔋 Movement can be a great way to clear your head and boost your energy.

🪫 Conflict usually drains your battery quickly, even if you feel fired up in the moment.

🔋 Music can be a powerful way to recharge or change your mood.

🪫 Avoiding work often feels good short-term, but it usually drains your battery more in the long run.

🔋 Writing can help you process emotions and lighten your mental load, charging your emotional battery.

🔋 Supporting others can be energizing and make you feel good about yourself.

This is a practical choice because the wrap’s primary purpose is advertising—to attract attention and promote the business. While the design is eye-catching and creative, its main goal is functional: helping people recognize the business.

This is a creative choice because the wrap is meant to express personal style and identity. Jess wants her car to stand out at car shows, using a flashy design that reflects her taste and creativity.

This wrap is practical because it’s designed to make the vans easily recognizable for branding and advertising purposes. It’s about functional marketing, so potential customers can easily spot the company’s vans.

This is a practical decision because the wrap serves the functional purpose of protecting the car's paint. The goal is to preserve the vehicle’s condition and prevent damage, making it more about functionality than design.

Although the wrap provides some practical benefits (like covering imperfections), its primary purpose is to express style and create a new look for the car, making it a creative choice.

1. Clean the vehicle and remove any parts in the way

2. Measure and cut the vinyl

3. Apply the vinyl

4. Heat and stretch the vinyl

5. Smooth out air bubbles

6. Trim excess vinyl

7. Heat again and press

8. Reinstall parts/final inspection

Average insurance cost is $100 – $300 per month

Average gas cost is $100 – $200 per month

Average maintenance and repair cost is $200 – $500 per year

Average registration cost is $50 - $150 per year

Average recommendation is $500 - $1000

Setting aside money each month for future repairs is a smart way to be financially prepared. Waiting until the car breaks down or selling it can bring unnecessary stress.

Saving up for new tires over time is a smart way to manage car maintenance costs without stressing your finances. It gives you time to find the best deals and keep your car in safe condition.

Ignoring the issue could lead to unsafe driving conditions, and borrowing money might create unnecessary debt.

Starting an emergency savings fund helps you avoid relying on credit cards and gives you a financial cushion for future unexpected costs.

Trying to fix it yourself may not be the most sustainable or safe option in the long run.

A budget helps you plan for all expenses associated with car ownership, including maintenance and insurance. It’s important to be financially prepared for every aspect of owning a car.

Ignoring maintenance or relying on loans for extra expenses can lead to unpredictable financial strain.

Kimorah needs rest. She is running low on sleep and mental energy. Rest (like taking a nap or getting to bed earlier tonight) will help her brain recharge so she can focus better.

Pedro needs to recover. He is tired from physical fatigue after intense activity. Recovery (like stretching, ice, or drinking water) will help your Pedro's body heal and bounce back.

Abby needs to recover. Emotional stress requires recovery time. Talking to someone, journaling, or calming activities will help Abby process her feelings and feel balanced again.

Leo needs rest. Long screen time can tire your brain and body. Taking a break to rest your eyes and mind will help Leo feel more alert and refreshed.

Aria needs to recover. When your muscles are already sore, more intense activity isn’t helpful. Recovery will help Aria's body repair so she doesn't get hurt or burned out.

DIY: Checking tire pressure is simple and quick. All you need is a tire gauge, which is inexpensive and easy to use. Keeping your tires properly inflated helps improve gas mileage, extend tire life, and ensures your safety.

DIY: Most car owners can top off coolant by locating the coolant reservoir. However, if you notice a coolant leak or if levels keep dropping, it’s time to call a mechanic for further inspection.

PRO: The check engine light means there may be a problem with your car. While you can clear it temporarily, it's important to have a professional mechanic find and fix the problem using a diagnostic tool to ensure it’s resolved properly.

PRO: Brakes are a critical safety feature, and improper installation can lead to major risks. While experienced DIYers may replace pads, it’s safer to have a pro handle brake work to avoid safety issues.

DIY: This is one of the easiest tasks. Simply find the windshield washer fluid reservoir and fill it with the recommended fluid. Keeping it topped off helps maintain clear visibility, especially during bad weather.

Brake issues are safety-related and require professional expertise to fix properly. You should call a mechanic to make sure your brakes are safe.

The check engine light could mean a serious issue. A mechanic should diagnose the problem to avoid further damage. It’s best to call a trusted repair shop.

Replacing wiper blades is simple and inexpensive. This is something you can do yourself to improve visibility. If you’re not sure how to replace them, check a tutorial online.

A/C issues are complex and require special tools. It’s best to call a professional mechanic or an A/C specialist to check and repair the system.

While you can check the oil and add more yourself, a professional mechanic should inspect the leak to prevent engine damage. It’s important to call a mechanic to fix the leak.

Checking and inflating the tires yourself is easy and quick with a tire gauge and air compressor. If the pressure keeps dropping, however, you should call a professional to check for leaks or other tire issues.

The baker engages with their social media in the same way on the same day each week. For example, they always post a reset video on the same day of the week, plan their schedule on the same day, recipe test on the same day of the week, etc.

The baker likely gets the least engagement on the days of the week they don't post anything new, like the days they plan or recipe test.

❌ Technology can be fun and helpful, but using it late at night can interfere with your sleep. Your body and mind need rest, so it’s best to unplug at least 30-60 minutes before bed.

✅ Technology can be a great way to stay connected with people who are far away, like family or friends.

❌ Technology can be fun, but it’s important to be present with family, friends, or anyone you're meeting with in person. Putting your phones down will help you connect.

✅ Technology can be a great tool for learning and connecting with others, especially when it helps you build skills and improve in school.

✅ Technology can make life easier and save time, especially when you use it to stay organized and make healthy choices.

❌ Technology is helpful, but constant notifications can be distracting. Turn them off during work time to help you focus and finish faster.

This is AI generated. Extra fingers or limbs, missing joints, or odd shapes are a clue that an image is AI created or edited.

This is AI generated. Faces that look “too perfect” like skin without pores, wrinkles, or blemishes are a clue that an image is AI created or edited.

This is AI generated. Backgrounds that look warped or impossible, like a bench that no one could actually sit on or a door that wouldn’t open the right way, are a clue that an image is AI created or edited.

This is a real image.

"Learning takes time, and each try helps me get closer"

“Mistakes help me learn what to do differently next time.”

“I’m not good at math yet, but I can get better with practice and help.”

"I can learn from her and improve my own skills."

🌪️ They might laugh or be confused.

✍🏾 But you can send a quick apology and explain it was meant for someone else.

💡 Mistakes happen, and owning them quickly can make things better.

🌪️ You feel like a failure or not know what to do next.

✍🏾 But you can talk to a counselor or trusted adult about other options, apply again, or explore different opportunities.

💡 One “no” doesn’t stop your future. It just means finding another path.

🌪️ You feel lonely and might lose touch.

✍🏾 But you can stay connected by text or video and plan visits when possible.

💡 Friendships can change, but you can still keep connections and build new ones.

🌪️ Your boss might be upset or think you can't do the job.

✍🏾 But you can apologize, ask how to fix it, and show you're willing to learn.

💡 Mistakes happen at every job. What matters most is how you respond and grow.

Set aside just 10–15 minutes a few times a week.
Use phone reminders or alarms as practice cues.
Pair your hobby with something you already do (listen to music while drawing or stretch while watching TV).

Remind yourself every expert was once a beginner.
Focus on enjoying the process, not perfection.
Take pictures or notes to see your progress over time.

Choose a relaxing hobby for tired days (listening to music, journaling, simple crafts).
Do your hobby earlier in the day when you have more energy.
Make it part of winding down instead of seeing it as “extra work.”

Pick hobbies that don’t need special space (writing, sketching, stretching).
Use free or low-cost community resources like school clubs, local parks, or libraries.
Start small (borrow equipment or use beginner versions until you know you like it).

Correct! Saying "thank you" is a simple way to show gratitude.

Not quite. Saying "thank you" is exactly what gratitude looks like.

Not quite. Gratitude isn’t just feeling good, it’s also about showing or reflecting on your appreciation.

Correct! You noticed the nice thing (which is important) but didn’t take time to appreciate or respond, so it’s not gratitude yet.

Correct! Taking time to appreciate and savor a positive moment is gratitude.

Not quite. Even small moments, like taking time to feel thankful for the sun, is an example of gratitude.

Rolling your eyes is the opposite of showing gratitude, no matter what the other person says.

Correct! Gratitude would mean accepting the compliment. You could sit quietly and enjoy the moment, or say "thank you."

Even though he's running late, Alex should take one minute to breathe and think about what he needs to be successful in school today. This will help him remember his homework.

Taking one minute to list her assignments in order of importance will help Taylor decide which one to start first and help her feel better.

Spending one minute to grab a quick snack Jordan can take with him will give him the energy he needs to be successful. Taking the time to find a snack full of protein will also keep him full longer.

Panel 1

Total Width = 40 inches + 2 inches + 2 inches = 44 inches

Total Height = 34 inches + 2 inches + 2 inches = 38 inches

Total Vinyl Needed:

44 inches (width) x 38 inches (height)

Panel 2

Total Width = 36 inches + 3 inches + 3 inches = 42 inches

Total Height = 42 inches + 3 inches + 3 inches = 48 inches

Total Vinyl Needed:

42 inches (width) x 48 inches (height)

Panel 3

Total Width = 35 inches + 4 inches + 4 inches = 43 inches

Total Height = 40 inches + 4 inches + 4 inches = 48 inches

Total Vinyl Needed:

43 inches (width) x 48 inches (height)

Panel 4

Total Width = 30 inches + 2 inches + 2 inches = 34 inches

Total Height = 36 inches + 2 inches + 2 inches = 40 inches

Total Vinyl Needed:

34 inches (width) x 40 inches (height)

✅ This is positive peer pressure because it encourages healthy habits that support your success.

🔁 This is neutral peer pressure because it’s about style and trends, which don’t directly affect your safety or health.

🚨 This is negative peer pressure because it encourages harmful behavior toward someone. Making fun of someone for any reason is not okay and can be hurtful.

Two months of Jane Doe's salary are considered allowable (40 days of substitute status).

8 1/2 months of John Doe's salary are considered allowable.

Great, that’s coming! You’ll learn how credit works and why it matters.

Perfect question, we’ll break down saving and investing step by step.

You’ll learn about and practice this skill so you feel comfortable with your own budget in real life.

We’ll explore the costs, the risks, and smart ways to handle student loans and debt.

Good one! This course will show you how to avoid credit card traps and use them wisely.

Exactly! We’ll talk about planning, saving, and avoiding common mistakes so you never feel broke.

Money Avoidant
Ignoring money might feel easier in the moment, but it can cause bigger problems later.

Advice: If you know this about yourself, you can build small and regular habits, like checking your balance once a week, to stay in control.

Money Vigilant
Saving is smart, but feeling guilty about every purchase can keep you from enjoying life.

Advice: Once you hit a savings goal, pause and let yourself spend on a need or a small want without guilt.

Money Status
Spending to impress others can make you look good now, but it can leave you broke and stressed later.

Advice: Focus on spending in ways that bring you real joy instead of just showing off.

Money Worship
Believing money will solve everything can set you up for disappointment when life’s problems aren’t fixed by money alone.

Advice: Remember that money is a tool. It helps, but relationships, health, and goals matter too.

Awesome! Being a saver means you’re already building habits that can give you more freedom and options in the future.

That’s okay. If saving doesn’t come naturally, noticing that difference is the first step to deciding how you want to handle money in the future.

Great! Valuing family with your money shows generosity and strong connections. It’s also important to set boundaries so you don’t give more than you can afford.

That’s okay. Your money focus may be more on yourself right now. Seeing how others put family first can remind you that money isn’t only about personal wants. It can also be about supporting the people you care about while still keeping balance for yourself.

Nice! Paying with cash can make you more aware of your spending, which helps you stay in control of your money.

That’s okay. If you’re more used to cards or digital payments, it just means you have different tools. You can still learn the skill of tracking money carefully.

Good connection. Using credit is common, and knowing this helps you practice being responsible. Credit can be a useful tool when used wisely.

That’s a strength too. If you’re not used to credit, you may already be better at living within your means and avoiding debt.

Great! Valuing community with your money shows generosity and responsibility. Just remember, it’s also important to take care of your own needs so you can keep helping others in the long run.

That’s okay. Your focus may be more on yourself right now. Seeing how others support their community can remind you that money can build stronger connections, while still leaving room for your own goals.

Credit cards get expensive if you only make the minimum payment. Interest keeps adding up, and you can end up paying much more than the original price.

Buy Now, Pay Later plans can work well if you pay on time. But if you miss payments, late fees can quickly raise the total cost.

Low-interest payment plans are usually the most affordable way to borrow, as long as you budget and make steady payments.

Bottom Line: Borrowing can help you get something sooner, but the real cost depends on interest, time, and whether you pay on time.

Leave → Avoiding your money might feel easier now, but it can lead to overdrafts or debt later.

Keep → Saving regularly builds financial strength and gives you more options in the future.

Leave → Spending to impress others drains your money fast. True confidence doesn’t come from stuff.

Keep → Planning fun spending keeps balance—you can enjoy life without guilt.

Keep → Non-money goals (like friendships, health, or learning new skills) keep life meaningful.

Leave → Fear makes it hard to plan. Facing money in small steps is lighter than carrying panic.

Keep → Conversations help you learn, share tips, and build confidence.

Keep → Being aware of online triggers helps you pause before spending. That’s a powerful skill.

$30 × 0.06 = $1.80 tax
Total $31.80

$180 × 0.10 = $18 tax
Take-home $162

$40 × 0.05 = $2.00 tax
Total $42.00

$200 × 0.12 = $24 tax
Take-home $176

💸 Predatory lenders advertise fast cash, which can feel helpful in an emergency, even if the terms are unfair.

🫤 Many people don’t fully understand how interest works, so the loans seem easier or safer than they really are.

🎯 Predatory lenders target people who are stressed, desperate, or don’t have strong credit scores, so it’s easier for them to take advantage.

💰...his money will be safer.

💵...it would help him save for goals, emergencies, or big purchases.

🏧...he can make payments easily with a debit card or app instead of carrying a lot of cash.

💳...it can help him build good credit for his future.

📱...he can use online banking to check his money anytime from his phone.

1. Small purchase

2. Big purchase

3. Big purchase

4. Small purchase

5. Small purchase

6. Big purchase

7. Small purchase

8. Big purchase

9. Small purchase

10. Big purchase

Malik chose Loan A. Even though it's a more expensive car, the lower interest rate means Malik will pay less each month and overall.

Fixed-Rate Mortgage

Interest-Only Mortgage

Adjustable-Rate or Interest-Only Mortgage

Adjustable-Rate Mortgage

Bankruptcy might be a smart move. The debt comes from medical bills that can’t be paid back, which is a common reason people file. Bankruptcy can stop collections while giving him a legal way to reset or reorganize what he owes.

Bankruptcy would not be a smart move because the debt is small and manageable. The teen has income and other options to pay it off over time without the long-term consequences of bankruptcy.

Bankruptcy would not be a smart move because the debt comes from subscriptions and late fees that can be reduced or stopped, and the student still has realistic options to catch up without long-term credit consequences.

Bankruptcy might be a smart move. The person has large, unpayable debt tied to a major life setback, and it can stop collections and help reset or reorganize what they owe when there is no realistic way to pay it back.

You can't tell yet.

Apartment A has the lowest rent, but you would have to pay extra for utilities and parking. Apartment C costs the most, but it includes utilities, laundry, and parking. Apartment B is in between and includes some costs, but not all.

You can’t decide which apartment is most affordable until you calculate the cost of everything that is included and everything you would have to pay for separately. The smartest choice is based on the total monthly cost, not just the rent.

The total monthly cost for Apartment B is $1,510.

Apartment A is more affordable.

Even though the rent for Apartment B is more affordable, the added utilities make it more expensive.

Isabella's total monthly cost is $2,062.

Isabella's upfront costs are $1,800.

Not quite. Isabella's monthly take-home pay is $62 less than what she needs. She will need to make a trade-off to afford this apartment.

Correct! Isabella's monthly take-home pay is $62 less than what she needs. She will need to make a trade-off to afford this apartment.

Lowering rent often has the biggest impact on affordability because rent is usually the largest monthly expense.

Reducing transportation costs can free up money every month, especially if you switch to a cheaper option like walking or biking. Unfortunately, this isn't always an option and you need to save money for bad weather or days you can't walk or bike.

Cutting personal spending can help in the short term, but these costs are harder to reduce long term, so careful planning is important.

One difference I notice is:

simple interest grows at the same pace, while compound interest grows faster over time
simple interest adds a little each time, while compound interest stacks growth on growth
simple interest is steady, but compound interest increases more the longer it sits

Someone might want to start investing early because:

time helps money grow more through compound interest
small amounts can turn into larger amounts over time
starting earlier gives investments more chances to grow

Take-home pay is smaller than gross pay because taxes are taken out before you get paid.

I have choices about jobs and ways to earn money, but there are rules that protect workers.
I can save and invest my money, and the government helps keep banks and markets safer.
I can build wealth because businesses create jobs and the government provides support and protections.
I can earn and spend money freely, but I also pay taxes that support things like schools and roads.