1: Fundamentals of banking for personal use, including, but not limited to, savings and checking and managing to minimize fees.

2: Principles of budgeting for independent living.

3: Employment and understanding factors that affect net income, including the topics described in subdivision (a) of Section 49110.5.

4: Uses and effects of credit, including managing credit scores and the relation of debt and interest to credit.

5: Uses and costs of loans, including student loans, as well as policies that provide student loan forgiveness.

6: Types and costs of insurance, including home, auto, health, and life insurance.

7: Impacts of the tax system, including its impact on personal income, the process to file taxes, and how to read tax forms and pay stubs.

8: Principles of investing and building wealth, including investment alternatives to build financial security, including tax-advantaged investments such as pensions and 401(k) plans, individual retirement accounts (IRAs), and stocks, bonds, mutual funds, and index funds.

9: Enhancing consumer protection skills by raising awareness of common scams and frauds and preventing identity theft.

10: Identifying means to finance college, workforce education, low-cost community college options, and other career technical educational pathways or apprenticeships. Financing options covered may include scholarships, merit aid, and student loans.

11: Understanding how psychology can impact one's financial well-being.

12: Charitable giving.

13: Other topics that are directly and specifically relevant to personal finance.