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.

Exercises are identified with an “a” suffix. Answer sheets with a “b” suffix. Answer sheets are not online, but will be available to students who submit their work to the instructors.

To see the entire English library, scroll down this page where they are listed numerically. To see the Spanish library, use the link below Handouts – Espanola.

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