Table of Contents
Rising Financial Literacy Workbook
The Rising Workbook is Diapers 2 Deposits' interactive, standards-aligned financial-literacy course, built on the F.A.S.T. Financial Education Framework and a Credit-First philosophy. Across eight modules, it carries you from your first bank account to your first investment, banking, payroll paperwork, paychecks, housing and transportation, credit, retirement, investing, and credit repair. This workbook is a set of interactive tools you use, decisions you practice, and money habits you build before the stakes are real, so the first time you fill out a W-4, read a credit card statement, or buy a share of stock, it isn't the first time at all.
Module 1 — Banking Fundamentals (choosing your institutions and reading a check)
1.1 Banks vs. Credit Unions — Making Your Choice
1.2 The D2D Sample Check — Locating Your Number
Module 2 — The Paperwork (the forms that control your first paycheck)
2.1 Understanding Your W-4 & Withholding
2.2 Professional Drill: Completing Your W-4
2.3 Professional Drill: Direct Deposit Authorization
Module 3 — Paycheck & Stipend Tracker (where your money actually goes)
3.1 Reading Your Pay Stub
3.2 Expense Tracker
3.3 Forward-Planning: My Spending & Savings Commitment
Module 4 — Housing & Transportation (the two biggest budget lines)
4.1 The Housing Hunt
4.2 Auto Acquisition & Monthly Cost Analysis
Module 5 — The Credit Lab (how credit really works — interest optional)
5.1 The Five Factors of Your FICO Score
5.2 Stress-Test Scenarios — D2D Credit Score Simulator
5.3 Credit Cards — Get What You Want & Pay Little to No Interest
5.4 Credit Card Benefits Audit
Module 6 — Capital Growth (building wealth through retirement accounts)
6.1 Understanding Your 401(k) and 403(b)
6.2 The Employer Match Calculator
6.3 My Retirement Commitment
The Investor's Club
7.0 Welcome to the Investor's Club
7.1 Researching Companies ·
7.2 My Portfolio
7.3 The Rule of 72
7.4 Market Events
7.5 Stock Splits
7.6 Exit Strategy
7.7 Written Analysis
Credit Repair
8.1 Case Files: Build Your Foundation
8.2 Identity Audit
8.3 Breach Investigation
8.4 Mailing Checklist & Escalation Tracker