Pre-Test
Before the Lesson
Answer these before watching or teaching the lesson. The first questions match the existing page, and the later questions are a little harder but covered by the slides and video.
Pre-Test / Lesson / Video / Review / Post-Test
Financial Literacy Workshop Kit
A Keystone financial literacy workshop starter with a pre-test, slide-ready short curriculum, two-minute lesson video, post-test, and printable learning score summary.
Financial Literacy Workshop
Teach, Test, and Reinforce the Basics
This starter kit gives Keystone a ready-to-use lesson flow: pre-test, slide-ready short curriculum, two-minute lesson video, post-test, and a printable score summary.
- Use the 15-question pre-test to see what participants already understand.
- Teach the slide-ready lesson or use it as a handout during the short-form curriculum.
- Play the two-minute lesson video to reinforce the teaching.
- Use the mirrored post-test to show growth and reinforce next steps.
- Print the final score summary for program records or coaching.
Lesson
The Key Moves
You have taken the pre-test. These six moves are the heart of the lesson - read through each one, then continue to the video.
Build a budget
A plan for income, expenses, savings, debt, and goals. Protect housing, food, utilities, transportation, health, and required obligations first - then decide what can flex.
Start an emergency cushion
Even a small amount keeps a flat tire or surprise bill from turning into new debt. The habit matters first; the amount can grow over time.
Check your credit
Credit scores follow payment history, balances, length of history, new applications, and account mix. Check your reports, correct errors, pay on time, and lower balance pressure.
Name your debts
List each debt with its minimum payment, interest, due date, and the consequence of missing a payment - so you choose a strategy before stress chooses one for you.
Pick one 30-day action
Make it specific, realistic, written down, and connected to a date or reminder. Progress is built by repeating small decisions.
Keep going after the lesson
Budgeting Basics, the Money Skills Workbook, the Credit Check Guide, and more are waiting on the Resources page to keep you on track.
Video
Watch the Lesson Video
You have read the key moves. This video pulls the whole lesson together - watch it, then continue to a quick review before the post-test.
Read the video transcript
Welcome to Keystone Advisory Council's financial literacy workshop. Money skills are not about shame, perfection, or having everything figured out. They are about building a simple plan that helps you make better decisions with the money, time, and choices you actually have.
Start with a budget. A budget is a plan for income, expenses, savings, debt, and goals. First, write down what is coming in. Then protect the essentials: housing, food, utilities, transportation, health, and required obligations. After the basics are protected, decide what can flex.
Next, build an emergency cushion. It does not have to start big. Even a small amount can keep a flat tire, missed work hour, or surprise bill from turning into new debt. The habit matters first, and the amount can grow over time.
Credit is another part of the picture. Credit reports show borrowing history, and credit scores are influenced by payment history, balances, length of history, new applications, and account mix. A strong first step is to check your reports, correct errors, pay on time, and lower balance pressure when possible.
Debt planning starts by naming the debt, minimum payment, interest, due date, and consequence of missing a payment. Once you can see the full picture, you can choose a strategy before stress chooses one for you.
Before you finish today, choose one 30-day action. Make it specific, realistic, written down, and connected to a date or reminder. Progress is built by repeating small decisions that protect stability and open the next door.
After you complete this financial literacy lesson, Keystone invites you to keep going. Use the Budgeting Basics worksheet, Money Skills program, Credit Check guide, Career Pathway Planner, and Interview Readiness Checklist to stay on track for life and work. Keystone also offers resources for reentry, veterans benefits navigation, housing assistance, legal aid, food assistance, education and GED support, entrepreneurship, financial literacy, and workforce development. Find them all at keystoneadvisorycouncil.org/resources.
Review
Quick Review Before the Post-Test
You have read the key moves and watched the video. Skim these lesson slides one more time as a quick review - then take the post-test.
Keystone Advisory Council
Money Skills in Real Life
Please take a moment and use this section as a review before you take the post-test.
Lesson
Slides
Slides
Slide 1: Money Skills Are Practical
- Money skills are not about shame or perfection.
- The goal is a plan that fits real income, bills, time, and choices.
- Small repeatable decisions can protect stability and create options.
Slide 2: Budgeting Starts With a Plan
- A budget is a plan for income, expenses, savings, debt, and goals.
- Start with what is coming in before deciding what can go out.
- Protect essentials first, then decide what can flex.
Slide 3: Protect the Essentials First
- Prioritize housing, food, utilities, transportation, health, and required obligations.
- A tight month needs clear decisions before stress takes over.
- Flexible spending should adjust before needs are put at risk.
Slide 4: Saving Starts Small
- An emergency cushion does not have to start big.
- Even a small cushion can keep surprise costs from becoming new debt.
- The habit matters first, and the amount can grow over time.
Slide 5: Credit Shows Borrowing History
- Credit reports show borrowing and repayment history.
- Credit scores are influenced by payment history, balances, history length, new applications, and account mix.
- Checking reports helps participants find errors and understand what lenders may see.
Slide 6: Lower Balance Pressure
- Credit utilization compares revolving balances to available limits.
- Paying on time and lowering balances can support credit health.
- If something looks wrong on a report, document it and consider a dispute.
Slide 7: Name the Debt Before Choosing a Strategy
- List each debt, minimum payment, interest, due date, and consequence of missing a payment.
- Seeing the full picture makes decisions easier.
- The goal is to choose a strategy before stress chooses one for you.
Slide 8: Leave With One 30-Day Action
- A useful action is specific, realistic, written down, and tied to a date or reminder.
- Choose one step that protects stability or opens the next door.
- Progress is built by repeating small decisions.
Post-Test
After the Lesson
Answer the same questions after the slide lesson and video. The post-test mirrors the pre-test so Keystone can show before-and-after learning growth.
Printable Learning Summary
Financial Literacy Workshop
Learning Score Summary
Use this final page to document learning growth and the participant's next action.
Score
Sheet
Sheet
Pre-test-
Post-test-
Growth-
Participant: Keystone Participant
Workshop date: Not selected yet
Key takeaway: Not answered yet
30-day action: Not answered yet
Certificate of Completion
Financial Literacy Workshop
This certifies that
Keystone Participant
has successfully completed the Financial Literacy Workshop
offered by Keystone Advisory Council, completed on .
CEO & Founder, Keystone Advisory Council