Personal Finance For Beginners | Financial Planning 101

Personal Finance For Beginners | Financial Planning 101 is a comprehensive, entry-level masterclass designed to demystify money management and set you on a path toward lifelong financial freedom. Led by financial instructor Ciera Dorsey, this course focuses on practical, real-world strategies for building wealth, eliminating debt, and establishing a robust financial foundation. Students will learn the essentials of long-term retirement planning, utilizing the 'mountain climbing' analogy to understand both building up assets and safely distributing them later in life. The curriculum dives deep into actionable tactical skills, including how to build an essential six-month emergency fund, leverage tax-free accounts to safeguard your hard-earned paycheck, and generate passive income streams for a worry-free retirement. Additionally, the course tackles credit repair head-on. You will discover practical methodologies to optimize your credit score, such as removing negative credit items, managing secondary bureaus, and assessing your overall profile readiness for future funding opportunities. Whether you are looking to break the paycheck-to-paycheck cycle, escape mounting debt, or start mapping out a strategic estate plan, this course delivers the fundamental tools required to confidently take control of your financial destiny.