Transfers ToCSUDescriptionThis course examines personal financial management for individuals entering the workplace and/or seeking basic finance skills for independent living. Emphasis on the life-long impact financial decisions have on an individual’s short-term and long-term financial security. Topics include budgeting skills for independent living; understanding the tax system; an introduction to the concepts of the time value of money and interest rates; tax strategies; financial planning strategies for saving, investing and retirement; financial monitoring and reporting; banking, money & credit management; consumer protection skills; financing college; purchasing strategies and large asset acquisition; risk management through home, health, auto and disability insurance; saving and investing; and retirement and estate planning. (A, CSU, UC) 