CALM-Financial- Fundamentals of financial security (4 Wks)

Program Pillars / Core Components:

1. Financial Education

• Budgeting basics
• Credit and debt management
• Banking and financial systems
• Saving and investing fundamentals
• Taxes and insurance 101

2. Income & Employment Support

• Income planning and wage tracking
• Workforce readiness or entrepreneurship support
• Access to public benefits and tax credits
• Navigating gig or informal work economies

3. Asset Building

• Emergency fund planning
• Long-term savings (e.g., retirement, education, homeownership)
• Matched savings or incentives (if funded)
• Wealth-building mindset

4. Financial Planning & Coaching

• 1:1 or group financial coaching sessions
• Goal-setting and accountability tools
• Use of digital platforms or workbooks
• Action planning (e.g., "90-Day Financial Health Plan")

5. Access to Resources

• Partnerships with banks, credit unions, or CDFIs
• Referrals to legal aid, housing, or debt services
• Tools for reducing expenses (energy, food, child care)
• Supportive community of peer learners