HOPE Lite Courses

Free micro-courses and quizzes to inspire change — explore at your own pace.

Micro-Courses

Short on time but ready to take control of your finances? Our micro-courses are quick, engaging video sessions designed to equip you with practical tools for real life. Whether you're looking to improve your credit, build a budget, understand taxes, or make smarter money choices, these bite-sized lessons offer simple steps to start your financial journey today.

Automate Your Way Into Savings

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Choosing Financial Products & Services

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Regular vs. Irregular Expenses

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Setting Saving Goals

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Types of Scams and How to Protect Yourself

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What’s Your Status

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Training workbooks

Our downloadable workbooks are designed just for you. Each one breaks down key financial topics into simple, step-by-step activities that fit easily into your busy life. From budgeting basics to credit building and tax tips, these guides help you put knowledge into action—on your terms.

BANKING 101

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Budgeting and Saving

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Setting Financial Goals

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Student Loans

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Using Your Benefits & Avoiding Scams

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Building Strong Credit

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ai video training

Our AI-powered video trainings use virtual instructors to guide you through essential financial topics like budgeting, credit management, homeownership, and taxes. Each short lesson breaks concepts into simple, step-by-step walkthroughs you can watch anytime, helping you build confidence and take action at your own pace.

want to test your financial literacy

Take this quick 15-question assessment of your knowledge of financial concepts.

How "Lit" Are You?

understanding your financial literacy

This knowledge quiz is designed to give you a better understanding of your current level of
financial literacy and help identify areas where you can improve.

1 / 15

Category: Credit & Debt

1. You need to borrow $500. Which option will likely have the lowest fees?

Payday loan

Credit card cash advance

Personal loan from a credit union

Overdrafting your bank account

2 / 15

Category: Credit & Debt

2. What impacts your credit score the most?

Your income level

Your total debt amount

Your payment history and credit utilization

The number of credit cards you have

3 / 15

Category: Credit & Debt

3. Which debt should you pay off first if you have limited funds?

The largest debt amount

The debt with the highest interest rate

The one with the lowest balance

The one you dislike the most

4 / 15

Category: Banking & Savings

4. If your bank charges a $35 overdraft fee and you overdraw by $5, how much do you owe?

$10

$35

$40

5 / 15

Category: Credit & Debt

5. What happens if you make a credit card payment 31 days late?

You get a warning but no impact on your credit

You get charged a late fee, and your credit score may drop

Your interest rate is automatically reduced

Your credit card is immediately canceled

6 / 15

Category: Ai Literacy

6. Before using AI for money decisions, what is most important?

Making sure it gives fast answers

Entering all your detailed financial information

Understanding it only knows what you type

Assuming it’s always accurate

7 / 15

Category: Financial Awareness & Risk

7. You receive a call saying you owe money and must pay immediately via gift card. What should you do?

Pay quickly to avoid legal trouble

Ask for their name and badge number

Hang up—it’s a scam

Give them your bank information to confirm

8 / 15

Category: Budgeting & Expenses

8. Which of the following is a fixed expense?

Groceries

Rent/mortgage

Entertainment

Clothing

9 / 15

Category: Banking & Savings

9. If inflation is 5% and your savings account earns 1% interest, what happens to your money’s purchasing power?

It increases

It stays the same

It decreases

It is not affected

10 / 15

Category: Financial Awareness & Risk

10. If you take out a $500 payday loan with a $75 fee and pay it back in two weeks, what is your annual percentage rate (APR)?

15%

36%

Over 300%

11 / 15

Category: Credit & Debt

11. You have no credit history. What’s the best way to start building credit?

Take out a payday loan

Get a secured credit card

Use only cash

Open multiple credit cards at once

12 / 15

Category: Banking & Savings

12. Which bank account is the safest for storing emergency funds?

A checking account

A high-yield savings account

A prepaid debit card

Cash hidden at home

13 / 15

Category: Budgeting & Expenses

13. If you can’t save 3-6 months of expenses, what’s the best alternative?

Use a credit card for emergencies

Open a high-yield savings account and start with small, consistent deposits

Rely on payday loans when needed

Skip saving and focus on paying bills first

14 / 15

Category: Credit & Debt

14. You have a $1,000 credit limit and a $500 balance. What is your credit utilization rate?

25%

50%

75%

15 / 15

Category: Budgeting & Expenses

15. Under the 50/30/20 rule, what percentage of your income should go to savings and debt repayment?

10%

20%

30%

50%

LearnING with HOPE

Welcome to our learning library — open to everyone and designed to spark financial confidence. Whether you’re curious about building credit, managing expenses, understanding taxes, or planning for your future, these bite-sized modules offer a preview of the valuable tools and support we provide at Operation HOPE. Explore a quiz, watch a short training, and take your first step toward financial empowerment.

Already know you’re ready for more? Use the buttons below to explore our full programs or connect with a coach today.

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