UUNITAX
UNITAX ACADEMY · ALWAYS FREE

Learn money.
Live ready.

A premium-quality financial education built for students and young adults ages 16–22. Short lessons, real decisions, zero shame.

Find my starting point ↓Explore all courses
01KNOW

Understand the rule.

02DECIDE

Practice with a real choice.

03DO

Take one useful action.

04REPEAT

Turn knowledge into a habit.

START WHERE YOU ARE

What matters most right now?

There is no wrong starting point. Choose the situation closest to your life.

PERSONAL ROUTEChoose a situation to reveal your recommended first course.

You can still take every course in any order.

THE CORE CURRICULUM

Eight courses for real financial life.

COURSES COMPLETED0 / 8Checking saved progress…
YOUR NEXT STEPCourse 01: Goals before dollars

0 of 8 complete · 12 min lesson and mastery check

COURSE 01 · MONEY MINDSET

Goals before dollars

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THE BIG IDEA

Money is a tool—not a scorecard.

Turn values into goals and goals into a practical plan.

01
About 3–5 minutes
THE UNITAX MONEY CODE

Six habits worth carrying everywhere.

  1. 01Earn with awareness.Understand pay, benefits, taxes, and value.
  2. 02Plan before spending.Let goals guide money before pressure does.
  3. 03Save automatically.Start small and build a cushion consistently.
  4. 04Borrow carefully.Know the full price, term, risk, and repayment plan.
  5. 05Protect your identity.Verify requests and document problems.
  6. 06Invest patiently.Understand risk, diversify, avoid hype, and think long term.
PLAIN-LANGUAGE GLOSSARY

Words you should never have to pretend to know.

TERM 01APR

A standardized yearly measure of borrowing cost, including interest and certain fees.

Say it in your own words. Then explain it to someone else—that is how knowledge sticks.
ADVANCED ELECTIVES

Practice without leaving the Academy.

Choose a lab, work through the decision, and check your reasoning on this page. Lab answers are not saved.

LAB 09

Student aid

School A costs $18,000 and offers $8,000 in grants. School B costs $15,000 and offers $3,000 in grants. Loans appear in both offers, but loans must be repaid.

  1. 1Separate grants and scholarships from loans.
  2. 2Subtract grants and scholarships from the school’s cost.
  3. 3Compare the remaining cost, borrowing, and other fit factors.
DECISION CHECK

On these figures alone, which school has the lower net price?

KEEP LEARNING

Trusted, free resources.

Unitax lessons are educational summaries. Use primary sources when rules, forms, or deadlines matter.

CFPBYouth financial education ↗FDICMoney Smart for Young People ↗IRSUnderstanding Taxes ↗UNITAXFinancial Rights Center →