Personal Financial Literacy
Earning, spending, saving, credit, borrowing, investing and insurance. A brand-new requirement means schools are still settling on materials, so we work from your student's syllabus.
Texas · Online tutoring
Online finance tutoring for families in Southlake, Westlake and Colleyville.
Texas students who start ninth grade in 2026 to 2027 or later must pass a half-credit personal financial literacy course to graduate, so this year's freshmen in Carroll and Grapevine-Colleyville ISD are the first class it applies to. I tutor that course, AP Business and college finance, one-on-one over Zoom.
Private 1-on-1 on Zoom · $250 / hour
Book a session
The courses
What we work on.
Bring your slides, problem sets, and your last midterm. We work from your actual course.
Building a credit history
Utilization, payment history and what a first card should look like. The math is short, and getting it right early pays off for years.
AP® Business with Personal Finance
College Board's newest AP course, with the first exam in May 2027. I tutor the subject whether or not your student's school offers the course yet.
Corporate finance over break
Students home from UT, A&M, SMU, TCU or anywhere else often bring their hardest class with them. Break is the best time to fix it.
Local schools
Schools in and around Southlake and Colleyville.
What a student studies in finance depends on the school and the state. Checked October 29, 2026.
- Carroll Senior High School Southlake
- Colleyville Heritage High School Colleyville
- Westlake Academy Westlake
- Nolan Catholic High School Fort Worth
A new required course, starting with this year's freshmen
Under HB 27, a half-credit personal financial literacy course is required for public high school students who enter ninth grade in 2026 to 2027 or later. Private schools set their own requirements.
A few of the high schools families in the area attend, named for context only. Online Finance Tutor isn't affiliated with any of them. Your assigned school depends on your address and district.
Credit utilization in one example
A student with a $3,000 credit limit and a $900 balance is using 30% of their available credit. Paying the balance down to $300 before the statement closes drops that to 10%. Same card, same spending, a very different picture for the credit report.
Southlake and Colleyville · Texas
Where students get stuck.
Credit utilization
Students know a credit score matters but not what moves it. Utilization is the easiest lever to understand and the easiest to get wrong.
Interest in both directions
The same compounding that grows savings grows debt. Seeing both sides with the same numbers is when it clicks.
Taxes on a first job
Texas has no state income tax, but federal tax, Social Security and Medicare still come out. Students are often surprised by the gap between gross and net pay.
For parents
Parents usually book. Your student joins on Zoom after school or on a weekend, around practice and games. We're on Central time. Send me the course, the school and what's giving your student trouble, and I'll tell you honestly whether I can help.
How a session works
Diagnosis first. Then the fix.
- 01
Before we meet
Send me what you're stuck on: a problem set, slides, your last midterm, a practice exam, last week's quiz.
- 02
On Zoom
You walk me through a problem out loud. It usually takes a few minutes to hear where the reasoning goes sideways. We fix that piece and rebuild from there, so you know why each step works.
- 03
Before we finish
The real test: a fresh problem with new numbers and different wording, the way a midterm would ask it, and you solve it yourself. I don't complete assignments or hand over answers. You leave able to do the work.
Your tutor
Studied it. Worked in it. Now I teach it.
I’m Chi Odogwu. I have a B.S. in Business with a finance specialization from Liberty University, earned summa cum laude in three years, and a Master’s in International Economics and Finance from Brandeis. I tutored IB students in grad school, did valuation and private equity consulting at PwC, taught MBA finance at Florida State, and spent three years as an adjunct professor teaching Business Finance.
Questions
Before you book.
Do you tutor in person in Southlake?
No. Every session is on Zoom, so there's no travel and scheduling fits around practice and activities. I schedule in Central time for Texas families.
Does the new Texas requirement apply to my upperclassman?
HB 27 applies to students who enter ninth grade in 2026 to 2027 or later. Older students aren't covered by it, though many schools already offer personal finance as an elective.
Does my student's school offer AP Business with Personal Finance?
Ask the school. The course is brand new for 2026 to 2027 and each school decides whether to offer it. I tutor the subject either way, including students studying for the exam on their own.
Will tutoring get in the way of my student's teacher?
No. I work from the teacher's materials and never complete graded work, so sessions support the class instead of replacing it.
Is tutoring allowed under my school's honor code?
Tutoring on concepts and practice problems is generally fine, but policies on graded work vary by course. I don't complete graded assignments. Check your syllabus's collaboration policy, and if you're unsure, ask your professor.
Get started
Bring the problem you’re stuck on.
Tell me your course and what isn’t clicking. I’ll tell you honestly whether I can help.
Book your first sessionOnline Finance Tutor is independent. It isn't affiliated with or endorsed by any school named on this page. AP is a trademark registered by the College Board, which is not affiliated with, and does not endorse, this site.