Personal Finance For Beginners | Financial Planning 101
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Unclaimed ProfilePersonal 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.
About the creator
Ciera Dorsey
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Reviews
Ciera Dorsey is a dedicated financial educator and consultant on a mission to demystify the complex world of personal finance for everyday individuals. Recognizing that standard academic curricula often overlook practical financial literacy, Ciera has spent years refining a teaching methodology that breaks down overwhelming economic jargon into actionable, easy-to-digest strategies. In her signature courses, Personal Finance For Beginners and Financial Planning 101, Ciera combines structured step-by-step guidance with real-world applications, helping learners build confidence in budgeting, saving, debt management, and basic investing. Her approach is rooted in empathy, clarity, and empowerment, aiming to replace financial anxiety with a proactive…Show more
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Program Overview
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Price may change · updated within 1–2 weeks
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Learning format
Subcategory
Price
Price may change · updated within 1–2 weeks
Course language
What You'll Learn
- Understand the importance of managing money, saving for the future, managing debt, and estate planning, with different starting points and priorities
- Understand the importance of long-term savings and accumulation for retirement, emphasizing the need to save and accumulate for the long term.
- Understand the significance of controlling the retirement flag and the impact of having money outlive us.
- Learn the objective of climbing mountains, emphasizing that getting to the top is important, but getting to other side is equally important.
- Understand the need for tax-free accounts to protect savings, paychecks, and livelihoods
- Understand the importance of having a passive income to live a satisfying retirement lifestyle without checking email or business updates
- Understand the importance of having an emergency fund and a 6-month timeframe for saving for emergencies
- Understand the process of removing a negative item from a credit report by changing the address of the negative account and freezing the secondary agencies.
- how to determine if a person's credit profile is ready for funding by checking their credit profile, including open accounts, payment history etc.
Best For
- Individuals looking to break the paycheck-to-paycheck cycle and build foundational wealth.
- Beginners wanting a clear roadmap for debt elimination and credit score optimization.
- Anyone seeking to understand retirement planning, tax-advantaged accounts, and passive income generation.
- People preparing for future funding opportunities who need a structured approach to improving their credit profiles.
Not For
- Experienced financial advisors or investors seeking advanced market analysis and trading strategies.
- Individuals looking for quick-fix, 'get-rich-quick' schemes rather than long-term financial planning.
- Learners who require highly specialized, country-specific tax law or legal estate planning advice.
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