Resource Library

Get your free credit report from all three bureaus (Equifax, Experian, TransUnion) once per year. Know where your credit stands.

A renter's guide from Apartment List covering the key questions to ask before you sign — total costs, lease and renewal terms, breaking a lease, pet policies, maintenance, and unit history.

Explore affordable trade schools, certifications, and apprenticeships in skilled trades. These programs often pay more than 4-year degrees with less debt.

A printable home + car emergency-kit checklist — water, food, first-aid, fire extinguisher, the quarter-tank rule, and more — to help you prepare before an emergency hits.

A printable pre-trip checklist for traveling out of state — protecting your money (bank travel notice), your home (trusted person, lights on timers, mail pickup), and your safety.

Check if you qualify for food assistance (SNAP), childcare, healthcare, and other government benefit programs based on your income.

Free job training and career services for young adults. Covers resume writing, interview prep, job placement, and skills development.

Three systems that do most of the work of keeping you steady: what checking and savings are actually for, how to build an emergency fund starting from wherever you are, and how insurance works — premium, deductible, and coverage in plain language. Includes how to set up direct deposit into savings so you never see the money you're trying not to spend.

Free, confidential mental health support and crisis resources. Text HOME to 741741 from anywhere in the USA to connect with a trained crisis counselor.

A printable two-page self-sufficiency checklist for young men — the tools, documents, money systems, emergency supplies, job-readiness, home skills, and character habits that make you prepared, responsible, and capable. Framed around discipline, accountability, being a real provider, and building with your team — partners, not enemies.

A printable two-page self-sufficiency checklist for young women — the tools, documents, money systems, emergency supplies, job-readiness, home skills, and character habits that make you prepared and capable. Framed around capability, safety, and self-trust, and around building a real partnership — teammates who pull together, not competitors keeping score.

The official federal student aid site. Use it to apply for Pell Grants, subsidized loans, and work-study programs. Free to apply.

Find free food pantries, community kitchens, and meal programs near you. Updated in real time based on your location.

Search affordable rental housing and connect with local housing assistance programs in your area.

A printable guide for what to do if you think someone is following you — whether driving or walking — plus exactly what to tell 911.

Applying once and waiting isn't a job search. A 16-row tracker for logging every application — company, role, date, contact, follow-up date, and status — plus a checklist to run before you hit send and a short follow-up message you can copy word for word. Includes where to look beyond online job boards.

A one-page budget you fill in with a pen. Four buckets — Money In, Must-Pay, Pay Yourself, and Wants — with room for multiple income sources including child support and benefits. Built off your net pay, not gross, so the numbers actually work. Includes a Love & Travel line, because saving for rest and joy counts too.

Free financial education resources including budgeting tools, credit basics, and money management lessons designed for young adults.

A printable two-page checklist of questions to ask while touring an apartment — covering total costs and utilities, lease terms and rules, maintenance, parking, plus approval requirements, the neighborhood, amenities, and move-in/move-out. Bring it on every tour.

Most people don't miss the signs — they see them and explain them away. A checklist covering control, disrespect, isolation, and walking on eggshells, plus the things we tell ourselves to stay, and what healthy actually looks like for comparison. Applies to friendships, family, roommates, and coworkers, not just dating.

Two tools for getting things out of your head and onto paper. The Decision Sheet: write down what you're facing, then what it gains you and what it costs you, plus four questions to answer before you move. Break It Down: when something feels too big to start, map it out and work the first three steps.

You can't fix a pattern you won't name. Four weeks of two-line check-ins — what worked, what didn't, and one adjustment — plus an end-of-month look-back to spot the thing you keep repeating. Honest, not harsh: this is a page for coaching yourself, not beating yourself up.

A printable one-page guide to your credit report — what's on it (identifying info, credit accounts, inquiries, public records & collections), why it shapes your score and your loan/rental approvals, and how to pull yours for free at AnnualCreditReport.com.

Your gross pay and the money that actually lands in your account are two different numbers. This walks through a real pay stub line by line — gross, federal tax, FICA, Medicare, state tax, insurance — down to net pay, and shows you the five-minute check to run every payday. Includes what your W-4 has to do with it and why to review your withholding mid-year.

A printable quick-reference for the first 10 minutes after a crash — what to do, what to photograph (including car placement), getting witness info, why you never admit fault, and how to check the police report for accuracy.

Find local community centers, youth programs, job assistance, and support services near you through the YMCA network.

Nobody changes their life in one leap. Three short stretches with something you can measure at the end of each — a date, a number, a first step, and one person who'll ask how it went. Includes a section for people who don't have someone at home to hold them accountable, with real places to look instead.

Before you can start a job, sign a lease, or enroll in school, someone is going to ask for these. Covers the core three — state ID, Social Security card, and birth certificate — including where to get each one, what to bring, and what it costs. Start with the birth certificate: it's the one that unlocks the other two.

A printable two-page checklist for moving into your first apartment — move-in setup and inspection tasks (utilities, photos, testing locks/detectors/leaks, building basics) plus what to buy by room (kitchen, bath, bedroom, cleaning) and comforts to add later. Includes an essentials-vs-wants budgeting guide and a housewarming registry tip.