1: Introduction

Why Take This Course?


Do you ever wish you knew more about personal finance? No matter where you are in your financial journey, there always is more to learn. SAM’s free online courses are not intended as financial advice, but as a starting point to raise awareness, to increase skills and knowledge related to personal finance, and to guide you to helpful resources.

Research shows that financial education is most effective when it is relevant to a decision you are faced with right now. This course covers:

  • Reasons for starting and maintaining emergency savings
  • Tips for starting, using and replenishing an emergency fund
  • Guidelines for how to set and track emergency fund savings goals


Throughout this course, any reference to a specific company, commercial product, process or service does not constitute or imply an endorsement or recommendation by Smart About Money or the National Endowment for Financial Education.

These courses and related resources may be used only for nonprofit, noncommercial educational purposes. SAM makes every effort to keep the information in these courses current, but, over time, new developments as well as legislative and regulatory changes may date this material. If you discover inaccurate information, please contact us.

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