3rd Annual Memphis Labor Council Picnic
Free Concert · Free Food · Overton Park Shell
Financial Literacy for Workers
Your paycheck is your power — knowing how to manage it is how you keep it. A plain-English guide for young workers and seasoned members alike: budgeting, saving, credit, retirement, and dodging the traps.
New to the workforce? Start here.
The habits you build with your first paychecks shape the next 40 years. Three moves to make right now: (1) open a credit-union account, (2) automate even $10 a payday into savings, and (3) grab your full employer retirement match if one's offered. Future you will say thank you.
A guideline, not a rule — adjust to your life. The key is giving every dollar a job.
The Essentials
Tap any topic to expand.
Free, Trustworthy Resources
Government and nonprofit tools — no sales pitch, no fees.
Consumer Financial Protection Bureau — Tools
Free, trustworthy guides on debt, credit, banking, and avoiding scams.
MyMoney.govMyMoney.gov
The U.S. government's hub for financial education basics.
Investor.govCompound Interest Calculator
See how even small, early savings grow over time.
AnnualCreditReport.comFree Credit Reports
The only federally authorized source for your free credit reports.
This is general financial education, not personalized financial, tax, or legal advice. For decisions about your specific situation, talk with a certified counselor — your credit union or a nonprofit credit counseling agency is a great free start.
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