Course Content
Introduction to Money & Mindset
Lesson 1.1: What Does “Secure the Bag” Mean? (fun video + real examples) Lesson 1.2: The Power of Money Mindset (scarcity vs. abundance thinking) Quiz 1: Quick reflection quiz → “Which money mindset best describes you?”
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Lesson 1.1 – What Does “Secure the Bag” Mean?
02:46
Lesson 1.2 – The Power of Money Mindset
How Will YOU Secure the Bag?
Money Mindset Check-In
What Credit Is & Why It Matters
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Lesson 2.1 – Credit Basics Explained (like a money report card)
49:50
Lesson 2.2 – How Credit Impacts Your Life
Lesson 2.3 – FICO vs. VantageScore (simple breakdown)
Credit Basics & Impact
Topic 3: Building Your First Savings Habit
Saving money is the foundation of financial security. This topic will teach you why saving matters, how to build the habit, and introduce you to Self — a tool that helps you build savings and credit at the same time.
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Why Saving Matters
Lesson 3.2 – Simple Savings Hacks
Lesson 3.3 – Introduction to Self
Savings Basics
Topic 4: How to Read a Credit Report
Your credit report is a detailed record of your financial history. Learning to read it helps you spot errors and protect your financial reputation.
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Lesson 4.1 – Breaking Down a Report
03:05
Lesson 4.2 – Spotting Errors & What to Do
Credit Report Basics
Topic 5: Simple Budgeting That Works
Budgeting doesn’t have to be boring. In this topic, you’ll learn an easy formula, explore tools that make it simple, and discover how to stick with your plan.
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Lesson 5.1 – The 50/30/20 Rule
Lesson 5.2 – Tools for Budgeting
Lesson 5.3 – Sticking With It
Budgeting Basics
Final Assignment
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Final Assignment
S.T.B.I 101 – Secure the Bag Initiative

There are two main scoring models:

  • FICO Score (created in 1989 by Fair Isaac Company): used by 90% of top lenders.

  • VantageScore (created by the 3 bureaus in 2006): newer, often used by free credit apps.

Both range 300–850. Higher = better. Both weigh payment history, debt, and credit use, but slightly differently.

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