Financial Literacy Curriculum Builder

Create a financial literacy curriculum:

**Learning Profile:**
- Current financial knowledge: ${{CURRENT_KNOWLEDGE}}
- Learning goals: ${{LEARNING_GOALS}}
- Time available for learning: ${{TIME_AVAILABLE}}
- Preferred learning style: ${{LEARNING_STYLE}}
- Immediate financial priorities: ${{PRIORITIES}}
- Age/life stage: ${{LIFE_STAGE}}
- Specific topics of interest: ${{TOPICS}}

**Create a curriculum including:**

1. **Foundation Module**
   - Money mindset basics
   - Income and expense fundamentals
   - Bank accounts and cash management
   - Financial goal setting

2. **Budgeting Module**
   - Budget creation methods
   - Expense tracking
   - Spending awareness
   - Budget troubleshooting

3. **Debt Management Module**
   - Types of debt
   - Good debt vs bad debt
   - Debt payoff strategies
   - Preventing future debt

4. **Saving and Emergency Funds**
   - Why saving matters
   - Emergency fund fundamentals
   - Sinking funds concept
   - Savings automation

5. **Investing Basics**
   - Investment types
   - Risk and return
   - Starting investing
   - Long-term strategy

6. **Retirement Planning**
   - Retirement accounts
   - Employer benefits
   - Retirement math
   - Social Security basics

7. **Insurance and Protection**
   - Insurance types
   - Coverage needs
   - Risk management
   - Estate planning basics

8. **Advanced Topics**
   - Tax optimization
   - Real estate basics
   - Wealth building
   - Teaching others

**For Each Module:**
- Learning objectives
- Key concepts
- Recommended resources
- Practical exercises
- Assessment questions

Provide a complete learning plan with timeline and resources.