{"id":551,"date":"2025-11-22T11:11:43","date_gmt":"2025-11-22T11:11:43","guid":{"rendered":"https:\/\/civilengr.org\/tzkk\/?page_id=551"},"modified":"2025-11-22T11:28:11","modified_gmt":"2025-11-22T11:28:11","slug":"personal-finance","status":"publish","type":"page","link":"https:\/\/civilengr.org\/tzkk\/personal-finance\/","title":{"rendered":"Personal Finance"},"content":{"rendered":"\n<div class=\"wp-block-columns are-vertically-aligned-bottom is-layout-flex wp-container-core-columns-is-layout-155eb889 wp-block-columns-is-layout-flex\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-container-core-column-is-layout-a7dce961 wp-block-column-is-layout-flow\">\n<div style=\"height:4px\" aria-hidden=\"true\" class=\"md:nfd-hidden wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-64fdcdd2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-944639e8 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1440\" src=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-6-scaled.jpg?resize=2560%2C1440&#038;ssl=1\" alt=\"\" class=\"wp-image-224\" style=\"border-radius:4px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-6-scaled.jpg?w=2560&amp;ssl=1 2560w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-6-scaled.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-6-scaled.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-6-scaled.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-6-scaled.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-6-scaled.jpg?resize=2048%2C1152&amp;ssl=1 2048w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-98bb7c82 wp-block-group-is-layout-constrained\">\n<h3 class=\"nfd-text-lg wp-block-heading\">Lesson 1 (Introduction to Personal Finance)<\/h3>\n\n\n\n<div class=\"nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-flow wp-container-core-group-is-layout-61b496ee wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/civilengr.org\/tzkk\/introduction-to-personal-finance\/\" data-type=\"link\" data-id=\"https:\/\/civilengr.org\/tzkk\/introduction-to-personal-finance\/\"><strong>Read more<\/strong><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-944639e8 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"2161\" src=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-5-scaled.jpg?resize=2560%2C2161&#038;ssl=1\" alt=\"\" class=\"wp-image-228\" style=\"border-radius:4px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-5-scaled.jpg?w=2560&amp;ssl=1 2560w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-5-scaled.jpg?resize=300%2C253&amp;ssl=1 300w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-5-scaled.jpg?resize=1024%2C864&amp;ssl=1 1024w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-5-scaled.jpg?resize=768%2C648&amp;ssl=1 768w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-5-scaled.jpg?resize=1536%2C1297&amp;ssl=1 1536w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-5-scaled.jpg?w=2000&amp;ssl=1 2000w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-98bb7c82 wp-block-group-is-layout-constrained\">\n<h3 class=\"nfd-text-lg wp-block-heading\">Lesson 2 (Asset)<\/h3>\n\n\n\n<div class=\"nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-flow wp-container-core-group-is-layout-61b496ee wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/civilengr.org\/tzkk\/asset\/\" data-type=\"link\" data-id=\"https:\/\/civilengr.org\/tzkk\/asset\/\">Read more<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-944639e8 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1922\" src=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-7-scaled.jpg?resize=2560%2C1922&#038;ssl=1\" alt=\"\" class=\"wp-image-231\" style=\"border-radius:4px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-7-scaled.jpg?w=2560&amp;ssl=1 2560w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-7-scaled.jpg?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-7-scaled.jpg?resize=1024%2C769&amp;ssl=1 1024w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-7-scaled.jpg?resize=768%2C577&amp;ssl=1 768w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-7-scaled.jpg?w=2000&amp;ssl=1 2000w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-98bb7c82 wp-block-group-is-layout-constrained\">\n<h3 class=\"nfd-text-lg wp-block-heading\">Lesson 3 (Liability)<\/h3>\n\n\n\n<div class=\"nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-flow wp-container-core-group-is-layout-61b496ee wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/civilengr.org\/tzkk\/liability\/\" data-type=\"link\" data-id=\"https:\/\/civilengr.org\/tzkk\/liability\/\">Read more<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-64fdcdd2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-944639e8 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"2560\" src=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-8-scaled.jpg?resize=1920%2C2560&#038;ssl=1\" alt=\"\" class=\"wp-image-235\" style=\"border-radius:4px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-8-scaled.jpg?w=1920&amp;ssl=1 1920w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-8-scaled.jpg?resize=225%2C300&amp;ssl=1 225w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-8-scaled.jpg?resize=768%2C1024&amp;ssl=1 768w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-8-scaled.jpg?resize=1152%2C1536&amp;ssl=1 1152w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-8-scaled.jpg?resize=1536%2C2048&amp;ssl=1 1536w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-98bb7c82 wp-block-group-is-layout-constrained\">\n<h3 class=\"nfd-text-lg wp-block-heading\">Lesson 4 (Net Worth)<\/h3>\n\n\n\n<div class=\"nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-flow wp-container-core-group-is-layout-61b496ee wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/civilengr.org\/tzkk\/lesson-3-net-worth\/\" data-type=\"link\" data-id=\"https:\/\/civilengr.org\/tzkk\/lesson-3-net-worth\/\">Read more<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-944639e8 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"853\" src=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/india-3887563_1280.jpg?resize=1280%2C853&#038;ssl=1\" alt=\"\" class=\"wp-image-243\" style=\"border-radius:4px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/india-3887563_1280.jpg?w=1280&amp;ssl=1 1280w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/india-3887563_1280.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/india-3887563_1280.jpg?resize=1024%2C682&amp;ssl=1 1024w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/india-3887563_1280.jpg?resize=768%2C512&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-98bb7c82 wp-block-group-is-layout-constrained\">\n<h3 class=\"nfd-text-lg wp-block-heading\">Lesson 5 (Balance Sheet)<\/h3>\n\n\n\n<div class=\"nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-flow wp-container-core-group-is-layout-61b496ee wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/civilengr.org\/tzkk\/lesson-5-balance-sheet\/\" data-type=\"link\" data-id=\"https:\/\/civilengr.org\/tzkk\/lesson-5-balance-sheet\/\"><strong>Read more<\/strong><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-944639e8 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"848\" src=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/chart-2785979_1280.jpg?resize=1280%2C848&#038;ssl=1\" alt=\"\" class=\"wp-image-247\" style=\"border-radius:4px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/chart-2785979_1280.jpg?w=1280&amp;ssl=1 1280w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/chart-2785979_1280.jpg?resize=300%2C199&amp;ssl=1 300w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/chart-2785979_1280.jpg?resize=1024%2C678&amp;ssl=1 1024w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/chart-2785979_1280.jpg?resize=768%2C509&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-98bb7c82 wp-block-group-is-layout-constrained\">\n<h3 class=\"nfd-text-lg wp-block-heading\">Lesson 6 (Income Statement)<\/h3>\n\n\n\n<div class=\"nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-flow wp-container-core-group-is-layout-61b496ee wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/civilengr.org\/tzkk\/lesson-6-income-statement\/\" data-type=\"link\" data-id=\"https:\/\/civilengr.org\/tzkk\/lesson-6-income-statement\/\"><strong>Read more<\/strong><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-64fdcdd2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-944639e8 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1799\" src=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-4-scaled.jpg?resize=2560%2C1799&#038;ssl=1\" alt=\"\" class=\"wp-image-256\" style=\"border-radius:4px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-4-scaled.jpg?w=2560&amp;ssl=1 2560w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-4-scaled.jpg?resize=300%2C211&amp;ssl=1 300w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-4-scaled.jpg?resize=1024%2C720&amp;ssl=1 1024w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-4-scaled.jpg?resize=768%2C540&amp;ssl=1 768w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-4-scaled.jpg?resize=1536%2C1080&amp;ssl=1 1536w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-4-scaled.jpg?w=2000&amp;ssl=1 2000w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-98bb7c82 wp-block-group-is-layout-constrained\">\n<h3 class=\"nfd-text-lg wp-block-heading\">Lesson 7 (Cash Flow Statement)<\/h3>\n\n\n\n<div class=\"nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-flow wp-container-core-group-is-layout-61b496ee wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/civilengr.org\/tzkk\/lesson-7-cash-flow-statement\/\" data-type=\"link\" data-id=\"https:\/\/civilengr.org\/tzkk\/lesson-7-cash-flow-statement\/\">Read more<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-944639e8 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"853\" src=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/credit-card-1730085_1280.jpg?resize=1280%2C853&#038;ssl=1\" alt=\"\" class=\"wp-image-261\" style=\"border-radius:4px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/credit-card-1730085_1280.jpg?w=1280&amp;ssl=1 1280w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/credit-card-1730085_1280.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/credit-card-1730085_1280.jpg?resize=1024%2C682&amp;ssl=1 1024w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/credit-card-1730085_1280.jpg?resize=768%2C512&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-98bb7c82 wp-block-group-is-layout-constrained\">\n<h3 class=\"nfd-text-lg wp-block-heading\">Lesson 8 (Debt)<\/h3>\n\n\n\n<div class=\"nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-flow wp-container-core-group-is-layout-61b496ee wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/civilengr.org\/tzkk\/lesson-8-debt-2\/\" data-type=\"link\" data-id=\"https:\/\/civilengr.org\/tzkk\/lesson-8-debt-2\/\">Read more<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-944639e8 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"853\" src=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/income-tax-491626_1280.jpg?resize=1280%2C853&#038;ssl=1\" alt=\"\" class=\"wp-image-267\" style=\"border-radius:4px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/income-tax-491626_1280.jpg?w=1280&amp;ssl=1 1280w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/income-tax-491626_1280.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/income-tax-491626_1280.jpg?resize=1024%2C682&amp;ssl=1 1024w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/income-tax-491626_1280.jpg?resize=768%2C512&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-98bb7c82 wp-block-group-is-layout-constrained\">\n<h3 class=\"nfd-text-lg wp-block-heading\">Lesson 9 (Income)<\/h3>\n\n\n\n<div class=\"nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-flow wp-container-core-group-is-layout-61b496ee wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/civilengr.org\/tzkk\/lesson-9-income-2\/\" data-type=\"link\" data-id=\"https:\/\/civilengr.org\/tzkk\/lesson-9-income-2\/\">Read more<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-64fdcdd2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-944639e8 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"957\" src=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/receipts-4542292_1280.jpg?resize=1280%2C957&#038;ssl=1\" alt=\"\" class=\"wp-image-274\" style=\"border-radius:4px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/receipts-4542292_1280.jpg?w=1280&amp;ssl=1 1280w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/receipts-4542292_1280.jpg?resize=300%2C224&amp;ssl=1 300w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/receipts-4542292_1280.jpg?resize=1024%2C766&amp;ssl=1 1024w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/receipts-4542292_1280.jpg?resize=768%2C574&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-98bb7c82 wp-block-group-is-layout-constrained\">\n<h3 class=\"nfd-text-lg wp-block-heading\">Lesson 10 (Expense)<\/h3>\n\n\n\n<div class=\"nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-flow wp-container-core-group-is-layout-61b496ee wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/civilengr.org\/tzkk\/lesson-10-expense\/\" data-type=\"link\" data-id=\"https:\/\/civilengr.org\/tzkk\/lesson-10-expense\/\"><strong>Read more<\/strong><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-944639e8 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-9.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-278\" style=\"border-radius:4px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-9.jpg?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-9.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-9.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/unnamed-9.jpg?resize=768%2C768&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-98bb7c82 wp-block-group-is-layout-constrained\">\n<h3 class=\"nfd-text-lg wp-block-heading\">Lesson 11 (Financial Planning)<\/h3>\n\n\n\n<div class=\"nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-flow wp-container-core-group-is-layout-61b496ee wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/civilengr.org\/tzkk\/lesson-11-financial-planning-2\/\" data-type=\"link\" data-id=\"https:\/\/civilengr.org\/tzkk\/lesson-11-financial-planning-2\/\"><strong>Read more<\/strong><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-944639e8 wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"883\" src=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/graph-4737109_1280-1.jpg?resize=1280%2C883&#038;ssl=1\" alt=\"\" class=\"wp-image-286\" style=\"border-radius:4px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/graph-4737109_1280-1.jpg?w=1280&amp;ssl=1 1280w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/graph-4737109_1280-1.jpg?resize=300%2C207&amp;ssl=1 300w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/graph-4737109_1280-1.jpg?resize=1024%2C706&amp;ssl=1 1024w, https:\/\/i0.wp.com\/civilengr.org\/tzkk\/wp-content\/uploads\/2024\/04\/graph-4737109_1280-1.jpg?resize=768%2C530&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-98bb7c82 wp-block-group-is-layout-constrained\">\n<h3 class=\"nfd-text-lg wp-block-heading\">Lesson 12 (Investment Planning)<\/h3>\n\n\n\n<div class=\"nfd-text-base nfd-text-opacity-80 wp-block-group is-layout-flow wp-container-core-group-is-layout-61b496ee wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/civilengr.org\/tzkk\/lesson-12-investment-planning\/\" data-type=\"link\" data-id=\"https:\/\/civilengr.org\/tzkk\/lesson-12-investment-planning\/\">Read more<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Lesson 1 (Introduction to Personal Finance) Read more Lesson 2 (Asset) Read more Lesson 3 (Liability) Read more Lesson 4 (Net Worth) Read more Lesson 5 (Balance Sheet) Read more Lesson 6 (Income Statement) Read more Lesson 7 (Cash Flow Statement) Read more Lesson 8 (Debt) Read more Lesson 9 (Income) Read more Lesson 10 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-551","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/civilengr.org\/tzkk\/wp-json\/wp\/v2\/pages\/551","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/civilengr.org\/tzkk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/civilengr.org\/tzkk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/civilengr.org\/tzkk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/civilengr.org\/tzkk\/wp-json\/wp\/v2\/comments?post=551"}],"version-history":[{"count":3,"href":"https:\/\/civilengr.org\/tzkk\/wp-json\/wp\/v2\/pages\/551\/revisions"}],"predecessor-version":[{"id":570,"href":"https:\/\/civilengr.org\/tzkk\/wp-json\/wp\/v2\/pages\/551\/revisions\/570"}],"wp:attachment":[{"href":"https:\/\/civilengr.org\/tzkk\/wp-json\/wp\/v2\/media?parent=551"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}