# data[].attributes.body
1. Identify and explain several factors that shape income.

2. Analyze a paycheck stub in order to explain the difference between net and gross pay.

3. Explain the importance of budgeting and create a budget.

4. Explain why consumers benefit from knowledge of advertising.

5. Identify and explain the factors that determine a consumer’s credit score.

6. Explain the importance of a consumer’s credit score.

7. Identify the advantages and disadvantages of various types of credit.

8. Differentiate between various types of investment options – stocks, bonds, etc.

9. Accurately identify and explain the short and long-term consequences of personal finance decisions.

10. Compose effective personal finance advice.