Are you confident in your ability to make informed financial decisions for yourself and your family? April is Financial Literacy Month, a time dedicated to helping individuals build a strong financial foundation, no matter what stage of life they’re in. Pure’s Chief Financial Planning Officer, Susan Brandeis, CFP®, highlights the essential areas of financial literacy that everyone should understand to build a more secure future.
It includes:
- Budgeting
- Saving and investing
- Debt
- And more
Transcript
Do you think you are good with money? Well, how would you grade yourself? Did you know that 50% of Americans would grade themselves a ‘C’ or below when it comes to financial knowledge?1 Here’s the truth: if you don’t understand your money, you don’t control your future. That’s why there’s an entire month dedicated to financial literacy—April is the time to take charge of your finances and empower the next generation for success. So, what is financial literacy? It’s having the knowledge and tools to make smart financial decisions and avoid costly mistakes.
Some of the areas include:
Budgeting
Do you know exactly where your money is going each month? Mastering budgeting helps you take control of your finances and live within your means.
Saving and Investing
Are you prepared for an emergency? Saving builds your safety net, while investing grows your wealth for future financial freedom.
Managing Debt
Is your debt keeping you up at night? You want to learn how to manage and reduce your debt so you can focus on building your future.
Understanding Credit
How’s your credit score? A strong credit score opens the door to better loan rates and financial opportunities.
Taxes
Do you know how taxes affect your bottom line? Understanding taxes can help save money and avoid surprises come tax season.
Retirement Planning
Are you ready for life after work? Planning for retirement today ensures that you’ll have financial freedom tomorrow. If you have a 401(k), IRA, or Roth IRA, it’s important to understand how each can help you save for retirement and grow your wealth tax-efficiently.
Insurance
What would happen if you lost your home or car today? Insurance protects you from financial setbacks, giving you peace of mind.
Mastering these areas helps you build security, grow wealth, and avoid costly mistakes. And here’s the thing—financial literacy isn’t just for adults. The earlier we learn these skills, the stronger our financial future will be. This month, I challenge you to take one step to elevate your financial knowledge: read a finance book, listen to a money podcast, review your spending and savings goals, or talk to a financial professional. Let’s make financial confidence the norm, not the exception! Do you want to know where you stand financially? Contact Pure Financial Advisors for a free financial assessment now.
1 Source: Washington Family, Half of Americans are ‘C’ students at best when it comes to understanding finances, Accessed in March 2025.
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IMPORTANT DISCLOSURES:
• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC, a Registered Investment Advisor.
• Pure Financial Advisors LLC does not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations.
• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.
• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.
• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
CFP® – The CERTIFIED FINANCIAL PLANNER® certification is by the CFP Board of Standards, Inc. To attain the right to use the CFP® mark, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. 30 hours of continuing education is required every 2 years to maintain the certification.
