MONEY BASICS
What is the difference between a debit and a credit card?
Debit uses your own money; credit borrows money you must repay.
What should you always do before a job interview?
Research the company
What should you do first if you lose your house key?
Contact a trusted adult or landlord
How many hours of sleep do most teens need?
8–10 hours
What should you do if you don’t understand instructions at work?
Ask for clarification
What does “APR” stand for?
Annual Percentage Rate (cost of borrowing money)
What is a resume used for?
To summarize your skills and experience for employers
Name one essential bill most adults pay monthly.
Rent, utilities, phone, internet
What is a primary care doctor used for?
Routine checkups and general health care
What is critical thinking?
Analyzing information to make decisions
Why is a budget important?
It helps you track spending and avoid overspending
Name two qualities employers look for in entry-level workers.
Reliability, punctuality, teamwork, communication (any two)
What does it mean to “meal plan”?
Planning meals ahead to save time and money
Name one stress management technique.
Exercise, deep breathing, journaling, talking to someone
What does “time management” mean?
Planning how to use your time effectively
What is compound interest?
Interest earned on both the original amount and accumulated interest
What is a W-2 form?
A form showing yearly earnings and taxes withheld
Why is a lease important?
It is a legal agreement between renter and landlord
What is mental health?
Emotional, psychological, and social well-being
What should you do if you make a mistake at work?
Own it and report it to a supervisor
If you earn $15/hour and work 20 hours, but 15% is taken out for taxes, how much do you take home?
$255
What is the difference between a part-time and full-time job?
Part-time is fewer hours (usually under 30–35), full-time is more with benefits
If your monthly income is $1,500, what is a safe rent amount (30% rule)?
About $450
Why is it important to know your family medical history?
It helps identify potential health risks
You overspend your paycheck halfway through the month. What’s the best next step?
Adjust spending, prioritize needs, and revise budget