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APEF: Solving the Financial Illiteracy Crisis

Welcome to Make it Make Cents, a series of articles designed to be your go-to resource for understanding and mastering the world of finances. Whether you're working at your first part-time job, saving up for that dream gadget, or planning for the future ahead, this series is tailored just for you – the savvy teen ready to unlock the secrets of financial literacy.

From budgeting basics and understanding credit to the ins and outs of investing and planning for your financial future, Make it Make Cents will be your trusted companion on this exciting journey toward financial freedom. With the right tools and knowledge, you can make informed decisions that will set you on a path to success.

So, buckle up and get ready to embark on a financial adventure where you'll learn not only how to make your money work for you but also how to develop habits that will serve you well for a lifetime. Let's dive in and make some smart money moves together!

Don't Freak Out; It's Just a W-9

Demystifying the Paperwork Monster

Cracking the Code

A Beginner's Guide to the Stock Market

Unlocking Financial Jargon

A High Schooler's Guide to ROI

Navigating the Financial Seas

Understanding Profit and Loss

Mind of Money

How Psychology Plays Tricks on Your Wallet


Your Key to College Financial Aid

Decoding the Digital Currency Craze

A Teen's Guide to Cryptocurrency and Online Payments

The Magic Money Multiplier

An Introduction to Compound Interest

Banking Bonanza

Exploring Your Financial Playground

The Jedi Mind Tricks of Marketing

Unmasking How Companies Sway Your Spending

Mastering the Magic of Money

Becoming a Spending & Saving Wizard

Resume Ready, Interview Ace

Landing Your First Gig

Payday Loans

The Shortcut That Can Turn into a Maze

Investing 101

Planting Seeds for Your Future Harvest

Rainy Day Readiness

Building Your Emergency Savings

What’s Your Number?

Your Guide to the Mysterious World of Credit Scores

Dollars & Sense

The Essential Guide to Budgeting

Futureproof Your Finances

A High School Guide to 401(k)s

Navigating the Tax Maze

Credits, Deductions, and Returns, Oh My!

College Countdown: Is It Worth the Climb?

Weighing the Dollar Signs of Your Degree

Rent vs. Buy

The Great Dwelling Dilemma

Your Dream Home

How Mortgages Make It Happen

Insurance Avengers: Assemble!

Choosing the Right Shields for Your Financial Fortress

In Your Earning Era

Turning Your Talents into Treasure

Navigating the World of Plastic

A Guide to Credit Cards

Borrowing Besties

Learning the Lingo of Loans

Decisions, Decisions

Understanding Opportunity Cost


Our children have not been prepared

to make good financial choices.

What is the first step towards solving this enormous issue?

Fixing the problem begins with taking an honest look at where we stand with financial education. The American Public Education Foundation’s Report Card on Financial Literacy grades each state in the United States, and the District of Columbia and Puerto Rico, in terms of K-12 financial education. These grades are based on current state-wide requirements, standards, and curriculum for personal finance.

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