{"id":67,"date":"2020-02-06T17:03:41","date_gmt":"2020-02-06T17:03:41","guid":{"rendered":"https:\/\/utia-dev.tennessee.edu\/fcs\/?page_id=67"},"modified":"2020-04-23T19:57:57","modified_gmt":"2020-04-23T19:57:57","slug":"money","status":"publish","type":"page","link":"https:\/\/utia-dev.tennessee.edu\/fcs\/money\/","title":{"rendered":"Money"},"content":{"rendered":"<div class=\"utia-leadin mon\"><div class=\"leadin-content\">We help families increase savings, decrease debt, spend wisely, and plan for the future.<\/div><\/div>\n\n\n<p>Through research-based education, coaching, and community engagement, UT Extension Department of Family and Consumer Sciences delivers consumer solutions that help Tennessee families spend, save, borrow, and protect their assets. <\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Resources and Programs in Your Community<\/strong><\/p>\n\n\n\n<p>We offer the following research-based programming to our Extension county agents for use in communities across Tennessee. To learn more about these resources and which programs are offered in your community, contact your county Extension Office.<\/p>\n\n\n<div id=block_5e6282bed05b4 class=\"utia-button alignleft\"><a target=\"_blank\" style=\"border-color: #6cc049\" class=\"utia-button-link utia-button\" href=\"https:\/\/utextension.tennessee.edu\/office-locations-departments-centers\/\">County Extension Offices<\/a><\/div>\n\n<style>#kt-layout-id_3ecb59-ee > .kt-row-column-wrap{align-content:start;}:where(#kt-layout-id_3ecb59-ee > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}#kt-layout-id_3ecb59-ee > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var( --global-kb-row-default-top, 25px );padding-bottom:var( --global-kb-row-default-bottom, 25px );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(25% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(75% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}#kt-layout-id_3ecb59-ee > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){#kt-layout-id_3ecb59-ee > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr) minmax(0, 2fr);}}@media all and (max-width: 767px){#kt-layout-id_3ecb59-ee > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style>\n<div class=\"wp-block-kadence-rowlayout alignnone\"><div id=\"kt-layout-id_3ecb59-ee\" class=\"kt-row-layout-inner  kt-layout-id_3ecb59-ee\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-gutter-default kt-v-gutter-default kt-row-valign-top kt-row-layout-right-golden kt-tab-layout-inherit kt-m-colapse-left-to-right kt-mobile-layout-row kt-custom-first-width-25 kt-custom-second-width-75\"><style>.kadence-column_acce97-34 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_acce97-34 > .kt-inside-inner-col,.kadence-column_acce97-34 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_acce97-34 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_acce97-34 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_acce97-34 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_acce97-34 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_acce97-34{position:relative;}@media all and (max-width: 1024px){.kadence-column_acce97-34 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column_acce97-34 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-1 kadence-column_acce97-34\"><div class=\"kt-inside-inner-col\"><style>#block_5e580c4345c79 .utia-card-content, #block_5e580c4345c79 .utia-card-title { border-color: #6cc049}<\/style><div id=block_5e580c4345c79 class=\"utia-card card2static\"  tabindex=\"0\"><div class=\"utia-card-img\"><img decoding=\"async\" alt=\"woman teaching a classroom of adults \" data-src=\"https:\/\/utia-dev.tennessee.edu\/fcs\/wp-content\/uploads\/sites\/23\/2020\/03\/shutterstock_760359742-scaled-aspect-ratio-300x300-2.jpg\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1707px; --smush-placeholder-aspect-ratio: 1707\/1707;\"><\/div><div class=\"utia-card-title\"><div class=\"utia-card-bottom-title\">Educating Others<\/div><span class=\"screen-reader-text\">Expand content up<\/span><\/div><div class=\"utia-card-content\"><div class=\"utia-card-bottom-title\"><a  href=\"\">Educating Others<\/a><\/div><div class=\"utia-card-content-inner\">Training teachers to deliver quality financial education<\/div><\/div><\/div><\/div><\/div>\n\n\n<style>.kadence-column_2139a3-d6 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_2139a3-d6 > .kt-inside-inner-col,.kadence-column_2139a3-d6 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_2139a3-d6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_2139a3-d6 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_2139a3-d6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_2139a3-d6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_2139a3-d6{position:relative;}@media all and (max-width: 1024px){.kadence-column_2139a3-d6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column_2139a3-d6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-2 kadence-column_2139a3-d6\"><div class=\"kt-inside-inner-col\">\n<p class=\"has-medium-font-size\"><strong>Expand the selections below for information on these programming opportunities.<\/strong><\/p>\n\n\n<style>.kt-accordion-id_333a61-c9 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:0px;}.kt-accordion-id_333a61-c9 .kt-accordion-panel-inner{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id_333a61-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:#555555;border-right-color:#555555;border-bottom-color:#555555;border-left-color:#555555;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#f2f2f2;font-size:18px;line-height:24px;color:#555555;padding-top:10px;padding-right:14px;padding-bottom:10px;padding-left:14px;}.kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#555555;}.kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#555555;}.kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#f2f2f2;}.kt-accordion-id_333a61-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id_333a61-c9 .kt-blocks-accordion-header:focus-visible{color:#444444;background:#eeeeee;border-top-color:#eeeeee;border-right-color:#eeeeee;border-bottom-color:#eeeeee;border-left-color:#eeeeee;}.kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#eeeeee;}.kt-accordion-id_333a61-c9 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id_333a61-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#ffffff;background:#444444;border-top-color:#444444;border-right-color:#444444;border-bottom-color:#444444;border-left-color:#444444;}.kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_333a61-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#444444;}@media all and (max-width: 767px){.kt-accordion-id_333a61-c9 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id_333a61-c9 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:0px;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-wrap kt-accordion-id_333a61-c9 kt-accordion-has-4-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane_e0afd7-b5\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><div style=\"display:inline-flex;justify-content:center;align-items:center\" class=\"kt-btn-svg-icon kt-btn-svg-icon-fe_chevronsRight kt-btn-side-left\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"24\" width=\"24\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"13 17 18 12 13 7\"><\/polyline><polyline points=\"6 17 11 12 6 7\"><\/polyline><\/svg><\/div><span class=\"kt-blocks-accordion-title\">Money Week<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Money Week provides teachers the tools to deliver financial education to elementary school students. The education aligns with state standards for mathematics and National Jump$tart standards while also incorporating literacy as a key component of the program. Utilizing in-class instruction, read-aloud activities, and parent newsletters, Money Week covers essential topics such as understanding wants and needs, using money, and managing money. <\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane_f33ba4-b5\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><div style=\"display:inline-flex;justify-content:center;align-items:center\" class=\"kt-btn-svg-icon kt-btn-svg-icon-fe_chevronsRight kt-btn-side-left\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"24\" width=\"24\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"13 17 18 12 13 7\"><\/polyline><polyline points=\"6 17 11 12 6 7\"><\/polyline><\/svg><\/div><span class=\"kt-blocks-accordion-title\">Personal Finance Training for Teachers<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>UT Extension is an approved provider by the Tennessee Department of Education to provide high school teachers the required fourteen hours of continuing education in order to teach personal finance. The half-semester of personal finance is required for high school graduation. Extension educators offer two-day workshops across the state to meet this need.<\/p>\n\n\n\n<p><a href=\"https:\/\/ag.tennessee.edu\/fcs\/Pages\/FinanceTraining\/default.aspx\">Personal Finance Teacher Training Registration Site<\/a><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n<style>.wp-block-kadence-spacer.kt-block-spacer-_c11334-23 .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-_c11334-23 .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:80%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-_c11334-23\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\" style=\"height:60px\"><hr class=\"kt-divider\" style=\"border-top-color:rgba(238, 238, 238, 1);border-top-width:1px;width:80%;border-top-style:solid\"\/><\/div><\/div>\n\n\n<style>#kt-layout-id_129425-a7 > .kt-row-column-wrap{align-content:start;}:where(#kt-layout-id_129425-a7 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}#kt-layout-id_129425-a7 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var( --global-kb-row-default-top, 25px );padding-bottom:var( --global-kb-row-default-bottom, 25px );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(25% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(75% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}#kt-layout-id_129425-a7 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){#kt-layout-id_129425-a7 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr) minmax(0, 2fr);}}@media all and (max-width: 767px){#kt-layout-id_129425-a7 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style>\n<div class=\"wp-block-kadence-rowlayout alignnone\"><div id=\"kt-layout-id_129425-a7\" class=\"kt-row-layout-inner  kt-layout-id_129425-a7\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-gutter-default kt-v-gutter-default kt-row-valign-top kt-row-layout-right-golden kt-tab-layout-inherit kt-m-colapse-left-to-right kt-mobile-layout-row kt-custom-first-width-25 kt-custom-second-width-75\"><style>.kadence-column_6c027e-85 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_6c027e-85 > .kt-inside-inner-col,.kadence-column_6c027e-85 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_6c027e-85 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_6c027e-85 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_6c027e-85 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_6c027e-85 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_6c027e-85{position:relative;}@media all and (max-width: 1024px){.kadence-column_6c027e-85 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column_6c027e-85 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-1 kadence-column_6c027e-85\"><div class=\"kt-inside-inner-col\"><style>#block_5e62d23139bbb .utia-card-content, #block_5e62d23139bbb .utia-card-title { border-color: #6cc049}<\/style><div id=block_5e62d23139bbb class=\"utia-card card2static\"  tabindex=\"0\"><div class=\"utia-card-img\"><img decoding=\"async\" alt=\"couple with concerned faces looking at a budget \" data-src=\"https:\/\/utia-dev.tennessee.edu\/fcs\/wp-content\/uploads\/sites\/23\/2020\/03\/shutterstock_550887700-scaled-aspect-ratio-300x300-1.jpg\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1707px; --smush-placeholder-aspect-ratio: 1707\/1707;\"><\/div><div class=\"utia-card-title\"><div class=\"utia-card-bottom-title\">Managing Money<\/div><span class=\"screen-reader-text\">Expand content up<\/span><\/div><div class=\"utia-card-content\"><div class=\"utia-card-bottom-title\"><a  href=\"\">Managing Money<\/a><\/div><div class=\"utia-card-content-inner\">From building a budget to protecting yourself from fraud and scams<\/div><\/div><\/div><\/div><\/div>\n\n\n<style>.kadence-column_d6e155-61 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_d6e155-61 > .kt-inside-inner-col,.kadence-column_d6e155-61 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_d6e155-61 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_d6e155-61 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_d6e155-61 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_d6e155-61 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_d6e155-61{position:relative;}@media all and (max-width: 1024px){.kadence-column_d6e155-61 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column_d6e155-61 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-2 kadence-column_d6e155-61\"><div class=\"kt-inside-inner-col\">\n<p class=\"has-medium-font-size\"><strong>Expand the selections below for information on these programming opportunities.<\/strong><\/p>\n\n\n<style>.kt-accordion-id_4c3388-8b .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:0px;}.kt-accordion-id_4c3388-8b .kt-accordion-panel-inner{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id_4c3388-8b > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:#555555;border-right-color:#555555;border-bottom-color:#555555;border-left-color:#555555;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#f2f2f2;font-size:18px;line-height:24px;color:#555555;padding-top:10px;padding-right:14px;padding-bottom:10px;padding-left:14px;}.kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#555555;}.kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#555555;}.kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#f2f2f2;}.kt-accordion-id_4c3388-8b > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id_4c3388-8b .kt-blocks-accordion-header:focus-visible{color:#444444;background:#eeeeee;border-top-color:#eeeeee;border-right-color:#eeeeee;border-bottom-color:#eeeeee;border-left-color:#eeeeee;}.kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#eeeeee;}.kt-accordion-id_4c3388-8b .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id_4c3388-8b > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#ffffff;background:#444444;border-top-color:#444444;border-right-color:#444444;border-bottom-color:#444444;border-left-color:#444444;}.kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_4c3388-8b:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#444444;}@media all and (max-width: 767px){.kt-accordion-id_4c3388-8b .kt-accordion-inner-wrap{display:block;}.kt-accordion-id_4c3388-8b .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:0px;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-wrap kt-accordion-id_4c3388-8b kt-accordion-has-8-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane_f6e858-19\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><div style=\"display:inline-flex;justify-content:center;align-items:center\" class=\"kt-btn-svg-icon kt-btn-svg-icon-fe_chevronsRight kt-btn-side-left\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"24\" width=\"24\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"13 17 18 12 13 7\"><\/polyline><polyline points=\"6 17 11 12 6 7\"><\/polyline><\/svg><\/div><span class=\"kt-blocks-accordion-title\">America\/TN Saves<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>America Saves uses principles of behavioral economics and social marketing to motivate, encourage, and support everyday Americans to save money, reduce debt, build wealth, and create better financial habits. America Saves encourages individuals and families to take the America Saves pledge, a tool that empowers them to commit to save successfully with a plan. UT Extension is a partner with America Saves through our Tennessee Saves program. New materials are added yearly.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane_ebbd02-4e\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><div style=\"display:inline-flex;justify-content:center;align-items:center\" class=\"kt-btn-svg-icon kt-btn-svg-icon-fe_chevronsRight kt-btn-side-left\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"24\" width=\"24\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"13 17 18 12 13 7\"><\/polyline><polyline points=\"6 17 11 12 6 7\"><\/polyline><\/svg><\/div><span class=\"kt-blocks-accordion-title\">Bankruptcy Counseling<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Certified bankruptcy counseling is provided to help individuals and families assess their assets and liabilities and determine an appropriate course of action to discharge debt. It is required for prospective filers to enter bankruptcy.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane_92e42b-b3\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><div style=\"display:inline-flex;justify-content:center;align-items:center\" class=\"kt-btn-svg-icon kt-btn-svg-icon-fe_chevronsRight kt-btn-side-left\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"24\" width=\"24\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"13 17 18 12 13 7\"><\/polyline><polyline points=\"6 17 11 12 6 7\"><\/polyline><\/svg><\/div><span class=\"kt-blocks-accordion-title\">Debtor Education<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Debtor education is provided to help people who have filed personal bankruptcy acquire skills for more effective financial management. It is required for filers to exit bankruptcy.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-8 kt-pane_d2de91-db\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><div style=\"display:inline-flex;justify-content:center;align-items:center\" class=\"kt-btn-svg-icon kt-btn-svg-icon-fe_chevronsRight kt-btn-side-left\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"24\" width=\"24\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"13 17 18 12 13 7\"><\/polyline><polyline points=\"6 17 11 12 6 7\"><\/polyline><\/svg><\/div><span class=\"kt-blocks-accordion-title\">Homebuyer Education<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Extension agents across the state offer THDA\/NeighborWorks-Certified programs to prepare first-time homebuyers to successfully manage home purchase and ownership. THDA is the Tennessee Housing Development Agency. This program is required for homebuyers wanting a home loan through THDA lenders.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane_57fd7e-cc\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><div style=\"display:inline-flex;justify-content:center;align-items:center\" class=\"kt-btn-svg-icon kt-btn-svg-icon-fe_chevronsRight kt-btn-side-left\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"24\" width=\"24\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"13 17 18 12 13 7\"><\/polyline><polyline points=\"6 17 11 12 6 7\"><\/polyline><\/svg><\/div><span class=\"kt-blocks-accordion-title\">Love Your Money<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Love Your Money is an online college student financial education program accessible to universities across the US. It encourages students to build solid financial skills early in life and includes a classroom management site for instructors, a dashboard for class management, and a student dashboard for setting and achieving financial goals.\u200b<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-6 kt-pane_39c4f4-78\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><div style=\"display:inline-flex;justify-content:center;align-items:center\" class=\"kt-btn-svg-icon kt-btn-svg-icon-fe_chevronsRight kt-btn-side-left\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"24\" width=\"24\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"13 17 18 12 13 7\"><\/polyline><polyline points=\"6 17 11 12 6 7\"><\/polyline><\/svg><\/div><span class=\"kt-blocks-accordion-title\">PACE: MoneyWise<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Looking to learn more about managing your money? If so, PACE: MoneyWise is for you. In this program, you will learn easy steps for setting money goals, stretching your dollar, developing a spending plan, understanding credit, and saving.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-7 kt-pane_7d1b4d-a1\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><div style=\"display:inline-flex;justify-content:center;align-items:center\" class=\"kt-btn-svg-icon kt-btn-svg-icon-fe_chevronsRight kt-btn-side-left\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"24\" width=\"24\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"13 17 18 12 13 7\"><\/polyline><polyline points=\"6 17 11 12 6 7\"><\/polyline><\/svg><\/div><span class=\"kt-blocks-accordion-title\">Pass It On<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Pass it On is a financial fraud education campaign developed by the Federal Trade Commission. It reinforces what older adults already know about some of today\u2019s most common scams and some they don&#8217;t. This program gives short and straightforward ways to share knowledge with family members, friends, and communities. The topics in the program include imposter scams, identity theft, charity fraud, health care scams, paying too much, and \u201cyou\u2019ve won\u201d scams.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n<style>#kt-layout-id_7bcff9-2a > .kt-row-column-wrap{align-content:start;}:where(#kt-layout-id_7bcff9-2a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}#kt-layout-id_7bcff9-2a > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var( --global-kb-row-default-top, 25px );padding-bottom:var( --global-kb-row-default-bottom, 25px );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(25% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(75% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}#kt-layout-id_7bcff9-2a > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){#kt-layout-id_7bcff9-2a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr) minmax(0, 2fr);}}@media all and (max-width: 767px){#kt-layout-id_7bcff9-2a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style>\n<div class=\"wp-block-kadence-rowlayout alignnone\"><div id=\"kt-layout-id_7bcff9-2a\" class=\"kt-row-layout-inner  kt-layout-id_7bcff9-2a\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-gutter-default kt-v-gutter-default kt-row-valign-top kt-row-layout-right-golden kt-tab-layout-inherit kt-m-colapse-left-to-right kt-mobile-layout-row kt-custom-first-width-25 kt-custom-second-width-75\"><style>.kadence-column_0956e7-0a > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_0956e7-0a > .kt-inside-inner-col,.kadence-column_0956e7-0a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_0956e7-0a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_0956e7-0a > .kt-inside-inner-col{flex-direction:column;}.kadence-column_0956e7-0a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_0956e7-0a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_0956e7-0a{position:relative;}@media all and (max-width: 1024px){.kadence-column_0956e7-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column_0956e7-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-1 kadence-column_0956e7-0a\"><div class=\"kt-inside-inner-col\"><style>#block_5e580c6445c7a .utia-card-content, #block_5e580c6445c7a .utia-card-title { border-color: #6cc049}<\/style><div id=block_5e580c6445c7a class=\"utia-card card2static\"  tabindex=\"0\"><div class=\"utia-card-img\"><img decoding=\"async\" alt=\"two young women doing skilled work \" data-src=\"https:\/\/utia-dev.tennessee.edu\/fcs\/wp-content\/uploads\/sites\/23\/2020\/03\/shutterstock_558988534-scaled-aspect-ratio-300x300-3.jpg\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1473px; --smush-placeholder-aspect-ratio: 1473\/1473;\"><\/div><div class=\"utia-card-title\"><div class=\"utia-card-bottom-title\">Planning for Life<\/div><span class=\"screen-reader-text\">Expand content up<\/span><\/div><div class=\"utia-card-content\"><div class=\"utia-card-bottom-title\"><a  href=\"\">Planning for Life<\/a><\/div><div class=\"utia-card-content-inner\">Preparation for your life&#039;s work and beyond.<\/div><\/div><\/div><\/div><\/div>\n\n\n<style>.kadence-column_9ea273-f4 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-column_9ea273-f4 > .kt-inside-inner-col,.kadence-column_9ea273-f4 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_9ea273-f4 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_9ea273-f4 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_9ea273-f4 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_9ea273-f4 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_9ea273-f4{position:relative;}@media all and (max-width: 1024px){.kadence-column_9ea273-f4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column_9ea273-f4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column inner-column-2 kadence-column_9ea273-f4\"><div class=\"kt-inside-inner-col\">\n<p class=\"has-medium-font-size\"><strong>Expand the selections below for information on these programming opportunities.<\/strong><\/p>\n\n\n<style>.kt-accordion-id_20ae89-0f .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:0px;}.kt-accordion-id_20ae89-0f .kt-accordion-panel-inner{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id_20ae89-0f > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:#555555;border-right-color:#555555;border-bottom-color:#555555;border-left-color:#555555;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#f2f2f2;font-size:18px;line-height:24px;color:#555555;padding-top:10px;padding-right:14px;padding-bottom:10px;padding-left:14px;}.kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#555555;}.kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#555555;}.kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#f2f2f2;}.kt-accordion-id_20ae89-0f > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id_20ae89-0f .kt-blocks-accordion-header:focus-visible{color:#444444;background:#eeeeee;border-top-color:#eeeeee;border-right-color:#eeeeee;border-bottom-color:#eeeeee;border-left-color:#eeeeee;}.kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#eeeeee;}.kt-accordion-id_20ae89-0f .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id_20ae89-0f > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#ffffff;background:#444444;border-top-color:#444444;border-right-color:#444444;border-bottom-color:#444444;border-left-color:#444444;}.kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_20ae89-0f:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#444444;}@media all and (max-width: 767px){.kt-accordion-id_20ae89-0f .kt-accordion-inner-wrap{display:block;}.kt-accordion-id_20ae89-0f .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:0px;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-wrap kt-accordion-id_20ae89-0f kt-accordion-has-6-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane_44e857-ed\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><div style=\"display:inline-flex;justify-content:center;align-items:center\" class=\"kt-btn-svg-icon kt-btn-svg-icon-fe_chevronsRight kt-btn-side-left\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"24\" width=\"24\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"13 17 18 12 13 7\"><\/polyline><polyline points=\"6 17 11 12 6 7\"><\/polyline><\/svg><\/div><span class=\"kt-blocks-accordion-title\">Everybody Gets Older (EGO)<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Everybody Gets Older consists of six lessons designed to help adults as they navigate aging. Lessons topics cover Exiting Gracefully, Fraud and Scams, Food Security, Health Care Choices, Housing, and Social Security.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane_9603e7-79\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><div style=\"display:inline-flex;justify-content:center;align-items:center\" class=\"kt-btn-svg-icon kt-btn-svg-icon-fe_chevronsRight kt-btn-side-left\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"24\" width=\"24\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"13 17 18 12 13 7\"><\/polyline><polyline points=\"6 17 11 12 6 7\"><\/polyline><\/svg><\/div><span class=\"kt-blocks-accordion-title\">On My Own<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>On My Own is a fun and engaging financial education simulation for junior and senior high youth. Students imagine that they are adults with the responsibility of being the major income provider for a household that may include a spouse and\/or children. Using a hypothetical occupation and income, participants work through a month of household purchases including housing, utilities, transportation, insurance, food, childcare, clothing, entertainment, and unexpected expenses.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-6 kt-pane_c0e14d-fb\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><div style=\"display:inline-flex;justify-content:center;align-items:center\" class=\"kt-btn-svg-icon kt-btn-svg-icon-fe_chevronsRight kt-btn-side-left\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"24\" width=\"24\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"13 17 18 12 13 7\"><\/polyline><polyline points=\"6 17 11 12 6 7\"><\/polyline><\/svg><\/div><span class=\"kt-blocks-accordion-title\">Ready To Work<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>A career development curriculum for middle to high school students consisting of instructional units, focusing on five aspects of career selection and development: trends, interest, relocation, education and training, and salary (TIRES).<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane_4dd97f-bf\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><div style=\"display:inline-flex;justify-content:center;align-items:center\" class=\"kt-btn-svg-icon kt-btn-svg-icon-fe_chevronsRight kt-btn-side-left\"><svg style=\"display:inline-block;vertical-align:middle\" viewbox=\"0 0 24 24\" height=\"24\" width=\"24\" fill=\"none\" stroke=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"13 17 18 12 13 7\"><\/polyline><polyline points=\"6 17 11 12 6 7\"><\/polyline><\/svg><\/div><span class=\"kt-blocks-accordion-title\">Skill Up Tennessee<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Skill Up Tennessee is UT Extension\u2019s SNAP Employment and Training program. The purpose of the program is to assist eligible SNAP participants in gaining skills, training, work, or experience that will increase their ability to obtain regular employment. The ultimate goal is self-sufficiency. In Tennessee, the program is administered by the Tennessee Department of Labor and Workforce Development through a partnership with the Tennessee Department of Human Services. UT Extension provides Skill Up Tennessee as a SNAP E&amp;T partner. Visit <a href=\"http:\/\/skillup.tennessee.edu\">SkillUp.Tennessee.edu<\/a> for more information.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>To learn more about programs and resources offered in your community, contact your county Extension Office.<\/strong><\/p>\n\n\n<div id=block_5e6279202a73c class=\"utia-button aligncenter\"><a target=\"_blank\" style=\"border-color: #6cc049\" class=\"utia-button-link utia-button\" href=\"https:\/\/utextension.tennessee.edu\/office-locations-departments-centers\/\">County Extension Offices<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Through research-based education, coaching, and community engagement, UT Extension Department of Family and Consumer Sciences delivers consumer solutions that help Tennessee families spend, save, borrow, and protect their assets. Resources\u2026<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-67","page","type-page","status-publish","hentry"],"acf":[],"publishpress_future_action":{"enabled":false,"date":"2026-06-14 09:03:34","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"frm_application","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/utia-dev.tennessee.edu\/fcs\/wp-json\/wp\/v2\/pages\/67","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/utia-dev.tennessee.edu\/fcs\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/utia-dev.tennessee.edu\/fcs\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/utia-dev.tennessee.edu\/fcs\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/utia-dev.tennessee.edu\/fcs\/wp-json\/wp\/v2\/comments?post=67"}],"version-history":[{"count":4,"href":"https:\/\/utia-dev.tennessee.edu\/fcs\/wp-json\/wp\/v2\/pages\/67\/revisions"}],"predecessor-version":[{"id":821,"href":"https:\/\/utia-dev.tennessee.edu\/fcs\/wp-json\/wp\/v2\/pages\/67\/revisions\/821"}],"wp:attachment":[{"href":"https:\/\/utia-dev.tennessee.edu\/fcs\/wp-json\/wp\/v2\/media?parent=67"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}