Price: $190 | Credits: 10 | Dept: Elective | Course ID# 273

Money Math is a course that is long overdue, it introduces students to the fundamental principles of money and money management, beginning with the concept of the time value of money. The course addresses different types of interest, and provides a wealth of information on banks, including how to effectively manage a bank account to minimize bank fees. Credit and debit cards are compared, highlighting the benefits and pitfalls of each. The importance of building good credit is covered with insights into how to build credit from scratch, and maintain a good credit score. The most common types of saving and investment vehicles are discussed. Students learn what is involved in buying a car, as well as the true cost of ownership. For major purchases, different types of loans are covered including funding college with student loans and managing student debt. The financial decision of buying a house and understanding a mortgage. Students learn about the requirement to file a tax return, and how to do it. Money Math is a critical course that all students need if they are to successfully navigate their financial future. Money Math is approved by the University of California A-G as an elective (category G).

Upon completion of this course, the student is awarded 10 credits. Each credit corresponds to 15 hours of study. Of course, some students work more quickly than others, and some can devote more hours to study, so some students are able to complete the course in an accelerated rate.


In this module, students gain a comprehension of the following:

  • The basic concept of money – the time value of money. How inflation and interest have an impact.
  • The basics of understanding interest rates: simple and compounding, plus amortization. The different types of credit – revolving and installment credit.
  • The intricacies of “credit,” including how to build credit from scratch, understanding and maintaining a good credit score, and most importantly why a good credit score matters.
  • Understanding banks, and the different types of bank accounts. Managing a bank account, from opening an account, to depositing and withdrawing funds, minimizing bank fees, online and mobile banking.
  • Major money pitfalls to avoid, including credit cards – when to use them and how to manage them. The differences between a debit card and a credit card.
  • The basics of investing, including mutual funds, stocks, and bonds.
  • How to plan for retirement, including the different saving vehicles, and pension plans.
  • How to handle major purchases and loans, including student loans and managing student debt, how to determine the cost of owning and buying a car and a house, as well as understanding the difference between fixed rate mortgages and adjustable rates.
  • Understanding credit fraud and identity theft, how it happens, how to prevent it and how to recover from it.
  • Filing a tax return, who is required to file, when and what is required to file a return.


This course covers the following topics:

  • Time Value of Money
  • Different Types of Interest
  • Banking and Bank Accounts
  • Building and Maintaining Good Credit
  • Credit Cards and Revolving Credit
  • Major Purchases and the Different Types of Loans – Student Loans, Car Loans
  • Investment – Stocks, Mutual Funds, and Bonds
  • Buying a House
  • Paying Taxes and Filing a Tax Return
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