Skills Covered

Through interactive lessons and guided discussions, participants practice real-life financial skills they can use in everyday life. Take Charge Lab focuses on practical financial skills that support independence and safety. The curriculum is organized into modules that build on each other, allowing participants to gain confidence step by step.

Key Benefits

  • Understanding income, pay stubs, and benefits 
  • Identifying needs vs. wants when making spending decisions 
  • Making everyday purchasing choices 
  • Recognizing financial scams and unsafe situations 
  • Building confidence with money and financial independence 

Core Modules

Money Basics
Understanding currency, counting, and basic financial concepts

Banking & Saving
Account types, deposits, withdrawals, and saving strategies

Budgeting
Income, expenses, and managing money responsibly

Credit & Debt
Understanding credit cards, loans, and borrowing safely

Consumer Skills
Comparing prices, smart shopping, and avoiding scams

Financial Safety
Protecting personal information and recognizing fraud

Additional Topics
New modules are continually added based on participant needs

Outcomes

Participants gain:

  • Confidence with money

  • Safer financial decision-making

  • Increased independence

  • Practical life skills

Frequently Asked Questions

Answers to common questions.

Topics include budgeting, banking, credit, consumer skills, and financial safety.

Yes, all content focuses on real-world application.

Yes, the curriculum evolves based on needs.

Yes, TCL starts with foundational skills.

Yes, protecting against fraud is a core component topic.

Yes, skills are designed for everyday use.