Banking Architecture: Retail vs. Credit Unions vs. Online

Checking Mechanics: Routing, Ledgers, and Overdrafts

Savings Vehicles: HYSAs, CDs, and the Cost of Liquidity

Mid-Unit Project: "The Fine Print" Scavenger Hunt

The Unbanked: Payday Loans and the Poverty Premium

Zero-Based Budgeting and Net Worth Calculations

Proportional Budgeting and Stress-Testing

Behavioral Economics and Cognitive Biases

Emergency Funds and Income Shocks

Sinking Funds and Expected Expenses

Budgeting Simulation Part 1: Forced Scarcity

Budgeting Simulation Part 2: Dynamic Reallocation

Unit 2 Final Assessment: Banking and Budgeting