Ayoola, E. (2024). 50/30/20 budget calculator. NerdWallet. https://www.nerdwallet.com/article/finance/nerdwallet-budget-calculator

Cowan, C. (2024, December 11). Review of Financial Literacy Class. personal interview. 

Endlich, J. (2025). Next Gen Personal Finance. computer software, Burlingame, CA; Next Gen Personal Finance.

National Association of State Administrators of Family and Consumer Sciences. (2024). Consumer and Family Services National Standards. Alexandria, VA; American Association for Family and Consumer Sciences. 

Skaggs, A. (2024, December 11). Review of Money Skills Class. personal interview.