12: Understanding Financial literacy Last updated Save as PDF Page ID 99428 OpenStax OpenStax 12.1: Prelude to Understanding Financial literacy 12.2: Personal Financial Planning 12.3: Making Money 12.4: Spending Less 12.5: Banking and Emergency Funds 12.6: Credit Cards and Other Debt 12.7: Paying for College 12.8: Defending against Attack- Securing Your Identity and Accounts 12.9: Summary Thumbnail: www.pexels.com/photo/silver-...-coins-128867/ (CC0 1.0; Pixabay).