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Compulsory skill

Smart Saver: The Launch Fund

Financial mastery aimed at funding higher education (e.g., BYU-Pathway) or launching a business. Cash withdrawals are locked; funds are disbursed directly to institutions or for verified business expenses.

Level
Learning
Type
Compulsory
Requirements
3
Club
Pulse
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Overview

Financial mastery aimed at funding higher education (e.g., BYU-Pathway) or launching a business. Cash withdrawals are locked; funds are disbursed directly to institutions or for verified business expenses.

You'll use

Tuition TrackerStartup Capital TrackerStokvel Rotation ManagerDisbursement Request Form

You walk away with

Paid tuition for the next academic block, or a legally registered business.

Modules

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  1. 1

    The Allowance & Stipend Budget

    Not started

    Apply the 60/20/20 survival framework (60% needs, 20% wants, 20% savings), track micro-drains like mobile data, fast food and transit, and manage mid-month cash crunches with weekly caps.

    ≈ 90 min

    Practical deliverable

    Personal monthly budget map built inside the Relate World Smart Saver app feature.

  2. 2

    Student & Entry-Level Banking

    Not started

    Choose zero-fee or low-fee youth and student banking accounts, avoid ATM and overdraft penalty fees, and shield accounts from phishing, phone scams and money-mule schemes.

    ≈ 75 min

    Practical deliverable

    Bank account audit checklist and security configuration guide.

  3. 3

    Saving for First Milestones

    Not started

    Set up automated micro-savings for first milestones — driver's licence, interview outfits, graduation fees, rental deposits — and separate short-term liquid savings from long-term funds.

    ≈ 75 min

    Practical deliverable

    Minimum 1 active milestone savings target configured with automated logging.

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Where it's developed

Practised at weekly Pulse sessions, then proven in front of a leader who signs each requirement off.

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Quick facts
Skill type
Compulsory
Levels
Learning
Requirements
3 to prove

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