The money class every student needs.
Most adults were never taught how a paycheck, a credit score, or a student loan actually works, and the numbers show it. About 30 states now require a stand-alone personal finance course to graduate high school, and more are adding one. Whether your student is in that class, in AP Business with Personal Finance, or simply heading to college, I work from their materials and make every topic concrete.
Private 1-on-1 on Zoom · $250 / hour
Book a session
What we cover.
Bring your slides, problem sets, and your last midterm. We work from your actual course.
- Income and paychecks
- Taxes
- Budgeting
- Banking
- Saving and compounding
- Credit scores and credit cards
- Loans and interest
- Paying for college
- Investing basics
- Retirement accounts
- Insurance
- Consumer protection
- Class projects, midterms, and finals
Practice Unit 1 free.
Unit 1 of AP Business with Personal Finance is entirely free in the Business Dojo: short video lessons, practice questions and flashcards for every topic. All it takes is a free account.
Practice Unit 1 free Most adults never learned this.Your student can.
America has a money-skills problem, and schools are racing to fix it. Here is what the research says.
- 47%
The average score American adults got on a 28-question money quiz in 2026, the lowest in the survey's ten years.
TIAA Institute and Stanford GFLEC, 2026 - 38%
Gen Z's score on the same quiz, the lowest of any age group, right as they sign their first lease, loan and credit card.
TIAA Institute and Stanford GFLEC, 2026 - 37%
Adults who could not cover a $400 surprise with cash, savings or a card they would pay off right away.
Federal Reserve, May 2026 - 36%
US teens who say they are on at least one major social app almost constantly. Homework is up against that every night.
Pew Research Center, Dec. 2025 - 30
States that now require a personal finance course to graduate high school, up from fewer than ten in 2020.
Next Gen Personal Finance, April 2026 - 82%
Adults who wish their high school had required a personal finance class.
NEFE national poll, 2025 - May 4, 2027
The first AP Business with Personal Finance exam, taken by the first students to complete the new course.
College Board
Stanford economist Annamaria Lusardi puts financial literacy next to reading and writing as an essential life skill. Read the 2026 report
Twelve units. Each ends with something real.
Built on the National Standards for Personal Financial Education from the Council for Economic Education and Jump$tart, then taken further into college costs and investing.
- Unit 01
Think like an economist
Every money rule is a trade-off underneath. Learn the reasoning once and the rules stop being a checklist.
You make: A written goals sheet and a letter to your future self.
- Unit 02
Earning income
What a job is worth is more than the hourly rate.
You make: A decoded pay stub and a 10-year comparison of two career paths.
- Unit 03
Starting a small business
Earning on your own shows how revenue, costs, and profit really work.
You make: A simple offer, a price, and the numbers behind it.
- Unit 04
Taxes
Most adults have never filed one with confidence. Practice before it counts.
You make: A practice tax return with job income and side income.
- Unit 05
Banking and spending
Where the money sits and how it leaves decide most of the outcome.
You make: A 3-month budget built for irregular income.
- Unit 06
Saving
Savings are the shock absorber. Without them every surprise becomes debt.
You make: An emergency-fund plan with an automatic transfer.
- Unit 07
Credit and debt
Credit is an expensive mistake at 19 and a useful tool at 25.
You make: A credit card payoff model and a car loan comparison.
- Unit 08
Paying for college
The biggest money decision most teenagers make, and the federal loan rules changed in 2026.
You make: A college money memo for the top three schools.
- Unit 09
Investing
The topic with the biggest lifetime payoff, and one many school courses skip.
You make: A portfolio with a written reason for every holding.
- Unit 10
Risk and protection
One bad week can erase years of saving. Insurance and a little caution stop it.
You make: An insurance comparison and an identity-theft checklist.
- Unit 11
The Fed, rates, and markets
Interest rates touch every loan, savings account, and stock price.
You make: A one-page brief on what the Fed did and what it means for you.
- Unit 12
Your own plan
Everything above, put together for one real person.
You make: A full financial plan at age 25, and one real family decision reviewed.
Research says yes.
State mandates changed credit outcomes
Young adults who were in school after Georgia, Idaho, and Texas required personal finance in 2007 had better credit scores and fewer late payments than peers in comparison states.
Federal Reserve Board working paper, 2014Financial education works across 76 trials
A review of 76 randomized experiments covering more than 160,000 people found positive effects on both financial knowledge and later behavior.
Journal of Financial Economics, via NBER
Where students get stuck.
It feels far away
Most teenagers have never filed taxes or seen a credit report. We use real examples so the ideas stop being abstract.
The math inside it
Compound interest and loan payments are where grades slip. We practice the setup until it's easy.
Every school teaches it differently
States set the topics and schools build the course. We work from what your student is actually given.
For parents
Parents usually book, and your student joins on Zoom from anywhere in the country. Send me the course, the school, and what's giving your student trouble, and I'll tell you honestly whether I can help. I can't promise a course meets a particular state's graduation rule, so check that with the school.
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.
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.
Before you book.
Why does a student need personal finance?
Because almost nobody learns it by accident. American adults averaged 47 percent on a 28-question money quiz in 2026, and Gen Z scored lowest at 38 percent (TIAA Institute and Stanford GFLEC). About 37 percent of adults could not cover a $400 surprise with cash, savings, or a card they would pay off right away (Federal Reserve, 2026).
Does my state require it?
About 30 states require a stand-alone course to graduate, according to Next Gen Personal Finance in April 2026, and some of those rules start with the Class of 2030 or 2031. A separate count from the Council for Economic Education finds 39 states with some required personal finance coursework, including courses folded into economics or business. Ask your school what applies to your student.
Do you work with students in any state?
Yes. Everything happens on Zoom, and I work from your student's own course materials.
Is this only for high school?
No. College students and adults use it too, especially for credit, student loans, taxes, and investing. The topics are the same, and we go as deep as you need.
Can my student go further than the class?
Yes. Students who want more can move on to AP Business with Personal Finance or start corporate finance before college.
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.
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 session