TERMS AND CONDITIONS

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.

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.

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.

🌪️ 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.

✅ 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.

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.

💸 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.