Calves and Cubs: Introductory Guide to Personal Finance

Whether you call it “real life” or “adulting” or “responsibility,” the demands of finances often appear unexpectedly and leave many feeling overwhelmed and asking, “when are we supposed to learn this concepts?” Or “how do I know if a TikTok finance strategy or social media post is suitable for me? Personal Finance, or Financial Literacy not only requires developing discipline, but also being able to apply the knowledge of financial rules and concepts. Caves and Cubs (young bulls and bears) simplifies concepts like budgeting, debt, credit cards, saving, investing, stocks, mutual funds, options, insurance, housing, retirement accounts and beyond. Derived from teaching several iterations of a personal finance course and lessons to high school and college students, this book is specifically curated and designed to address the more mature beginner. While not a “how-to” book, the goal is to understand the basics in order to build a solid foundation and critically navigate more advanced content. It's like having Personal Finance 101 course notes all in one place. Use it to learn, brush up, or simply as a reference.