Money 101 Education has over 200
FREE handouts

Money 101 Education has over 200 handouts, exercises, forms, articles, and assignments, which can be downloaded for FREE.

Students use 35-40 documents per segment.

Click on the appropriate segment to see the documents used in that segment. To see the entire English library, scroll down – they are listed numerically

Note that Exercises are generally identified with an “a” suffix. Answer sheets, which are NOT posted, are issued with a “b” suffix and will be sent after students have attempted independently to do the exercise.

Handouts for the Foundation Segment

Handouts – Española

Handouts for the Investment Segment

Handouts for the Taxation Segment

Handouts for Real Estate Segment

Handouts for Money & Life Cycle Segment

NUMBERTYPETITLELINK FOR DOWNLOADDATE UPDATED
0.01HandoutWelcome Letterhttps://money101education.com/wp-content/uploads/2025/03/0.01-WELCOME-to-Money-101-Education03172025-compressed.pdf3/17/2025
0.02HandoutClass Video and Assignment Procedures – all segmentshttps://money101education.com/wp-content/uploads/2025/04/0.02-Class-Video-Recordings-and-Assignment-Procedures-20250415.pdf4/15/2025
0.03HandoutAuditor Policy – all segmentshttps://money101education.com/wp-content/uploads/2025/04/0.03-Auditor-Policy-for-Money-101-Education-20250406.pdf4/6/2025
0.05Instructor NotesOpening Comments by Instructor – all segmentshttps://money101education.com/wp-content/uploads/2025/04/0.05-Opening-comments-by-Instructor-for-ALL-segments-20050415.pdf4/15/2025
0.06HandoutSteps to Financial Securityhttps://money101education.com/wp-content/uploads/2025/03/0.06-Steps-to-Financial-Security-03242024.pdf3/24/2025
0.07PowerpointSteps to Financial Security https://money101education.com/wp-content/uploads/2025/04/0.07-Steps-to-Financial-Security-powerpoint-20250415.pptx4/15/2025
0.08HandoutHow to Simplify your Financial Life and Ease Stresshttps://money101education.com/wp-content/uploads/2025/04/0.08-How-to-SImplify-Your-Financal-Life-and-Ease-Stress-20250417.pdf4/17/2025
0.10HandoutMeet Maria Consuelahttps://money101education.com/wp-content/uploads/2024/11/0.10-Meet-Maria-Consuela-who-needs-your-help-improving-her-finances.pdf11/3/2024
1.01HandoutFoundation Segment Instructor’s Noteshttps://money101education.com/wp-content/uploads/2025/04/1.01-Money-101-FOUNDATION-segment-Instructors-Notes-20250127.pdf1/27/2025
1.02IRS FormW-4 Employee Withholding Certificatehttps://money101education.com/wp-content/uploads/2024/07/1.02-IRS-form-W-4-Employee-Withholding-Certificate-2024.pdf2024
1.03Homeland Security FormI-9 Employment Eligibility Verification
https://money101education.com/wp-content/uploads/2024/07/1.03-IRS-Form-I-9-Employment-Eligibility-Verification.pdf		n/a
1.05ExamplePay Stub for W-2 hourly employee showing earnings and deductionshttps://money101education.com/wp-content/uploads/2025/01/1.05-Pay-Stub-showing-earnings-taxes-and-deductions.pdfn/a
1.06ExamplePay Stub for W-2 hourly employee showing earning and deductions including garnishmentshttps://money101education.com/wp-content/uploads/2024/07/1.06-Example-Paystub-with-Garnishments.pngn/a
1.10HandoutHow to Read and Understand a W-2 form
https://money101education.com/wp-content/uploads/2025/02/1.10-How-To-Read-And-Understand-Form-W2-1.pdf		2/21/2025
1.11aExercisePrepare Maria’s W-2 and calculate her net earnings
https://money101education.com/wp-content/uploads/2024/07/1.11a-EXERCISE-Prepare-Marias-W-2-and-calculate-her-net-pay.pdf		7/4/2024
1.12HandoutCan you calculate Maria’s Gross Earnings just by looking at her W-2?
https://money101education.com/wp-content/uploads/2024/07/1.12-Can-you-calculate-Marias-GROSS-earnings-from-the-W-2.pdf		2/20/2024
1.13IRS FormW-2 blank form fillablehttps://money101education.com/wp-content/uploads/2024/07/1.13-W-2-form-fillable-2024.pdf2024
1.15ExampleW-2 Olivia Parker
https://money101education.com/wp-content/uploads/2024/07/1.15-W-2-for-Olivia-Parker-.jpg		n/a
1.25HandoutQuestions to Ask a Prospective Employer about Compensation, Benefits and Advancementhttps://money101education.com/wp-content/uploads/2024/07/1.25-Questions-to-ask-a-Prospective-Employer-compensation-benefits-advancement.pdf6/10/2024
1.28HandoutQuestions to ask your Employer about the Company Retirement Planhttps://money101education.com/wp-content/uploads/2024/07/1.28-Questions-to-ask-your-employer-about-your-retirement-plan-.pdf1/25/2024
1.91aAssignmentAssignment #1 for the Foundation Segmenthttps://money101education.com/wp-content/uploads/2025/01/1.91a-ASSIGNMENT-1-Foundation-Segment.docx1/5/2024
1.92aAssignmentAssignment #2 for the Foundation Segmenthttps://money101education.com/wp-content/uploads/2025/01/1.92a-ASSIGNMENT-2-Foundation-Segment.docx1/22/2025
1.93aAssignmentAssignment #3 for the Foundation Segmenthttps://money101education.com/wp-content/uploads/2025/01/1.93a-ASSIGNMENT-3-Foundation-Segment.docx1/22/2025
1.94aAssignmentAssignment #4 for the Foundation Segmenthttps://money101education.com/wp-content/uploads/2024/10/1.94a-Assignment-4-Foundation-Segment.pdf10/26/2024
1.95AssignmentAssignment #5 for the Foundation Segmenthttps://money101education.com/wp-content/uploads/2024/07/1.95-Assignment-5-Foundation-Segment-.pdf7/25/2024
2.02IRS FormW-9 – Request for Social Security or EIN Number https://money101education.com/wp-content/uploads/2024/07/2.02-W-9-Form-to-provide-a-SS-or-EIN-number-called-TIN-.pdf2024
2.03IRS Form1099-MISChttps://money101education.com/wp-content/uploads/2024/07/2.03-Form-1099-Misc-no-instructions-just-the-form.png2024
2.05HandoutEmployee vs Independent Contractor – 20 common tests to determine proper classificationhttps://money101education.com/wp-content/uploads/2024/07/2.05-Employee-vs.-Independent-Contractor-20-common-tests.pdf6/22/2024
2.11aExercisePrepare Maria’s 1099 for her independent contractor gigshttps://money101education.com/wp-content/uploads/2024/07/2.11a-EXERCISE-Prepare-Marias-1099-1-1.pdf7/10/2024
3.00HandoutHow to Prepare a Cash Flow Statementhttps://money101education.com/wp-content/uploads/2024/07/3.00-How-to-prepare-a-Cash-Flow-Statekent-aka-Budget-1.pdf7/26/2024
3.01-Excel formatFormCash Flow Statement – for household (90+ categories) – aka Budget – EXCEL formathttps://money101education.com/wp-content/uploads/2024/07/3.01-BUDGET-CASH-FLOW-revised-2024.xlsx2004
3.01-PDF formatFormCash Flow Statement – for household (90+ categories) – aka Budget – PDF formathttps://money101education.com/wp-content/uploads/2024/07/3.01-BUDGET-CASH-FLOW-revised-2024.pdf2024
3.11aExercisePrepare Maria’s Cash Flow Statement (Budget)https://money101education.com/wp-content/uploads/2024/07/3.11a-EXERCISE-Calculate-Marias-Personal-Budget.pdf1/24/2024
4.00HandoutHow to Prepare a Personal Financial Statementhttps://money101education.com/wp-content/uploads/2024/07/4.00-Introduction-to-Personal-FInancial-Statements-Balance-Sheets-1.pdf7/10/2024
4.01-Excel formatFormPersonal Financial Statementhttps://money101education.com/wp-content/uploads/2024/10/4.01-Personal-FInancial-Statement-form-EXCEL-format.xlsx10/24/2024
4.01-PDF formatFormPersonal Financial Statementhttps://money101education.com/wp-content/uploads/2024/10/4.01-Personal-FInancial-Statement-form-PDF-format.pdf10/24/2024
4.03ExampleThree versions o Personal Financial Statementshttps://money101education.com/wp-content/uploads/2024/07/4.03-Examples-3-Personal-FInancial-Statements-PDF-format.pdfn/a
4.11a -Word format fillableExercisePrepare Maris’s Personal Financial Statement – Part 1https://money101education.com/wp-content/uploads/2024/10/4.11a-EXERCISE-Prepare-Marias-Personal-Financial-Statement-WORD-format-1-1.docx10/16/2024
4.11a-Excel formatExercisePrepare Maris’s Personal Financial Statement – Part 1https://money101education.com/wp-content/uploads/2024/10/4.11a-EXERCISE-Prepare-Marias-Personal-Financial-Statement-EXCEL-format-1.xlsx10/16/2024
5.01HandoutHow to get a FREE personal credit reporthttps://money101education.com/wp-content/uploads/2024/10/5.01-How-to-get-a-FREE-Personal-Credit-Report.pdf7/12/2024
5.02HandoutWhat is a Credit Score? What Factors Determine a Credit Score?https://money101education.com/wp-content/uploads/2024/10/5.02-What-is-a-Credit-Score-What-factors-determine-a-Credit-Score.pdf8/31/2024
5.03aExerciseHow Can Maria Improve Her Credit Scorehttps://money101education.com/wp-content/uploads/2024/10/5.03-EXERCISE-Help-Maria-Improve-her-Credit-Scorer.docx10/26/24
5.11ArticleCredit Scores – how high is high enoughhttps://money101education.com/wp-content/uploads/2025/01/5.11-Credit-Scores-how-high-is-high-enough.pdf
8/14/2023
5.21HandoutStudent Loanshttps://money101education.com/wp-content/uploads/2024/07/5.21-Student-Loans.pdf6/10/2024