Beginner
Your Money, Your Goals
Start: Start with Spending tracker, then Bill calendar and Creating a cash flow budget.
Complete 244-page CFPB toolkit; check US-specific rules against your local context.
Financial literacy & entrepreneurship
Financial literacy
Understand income and budgets, calculate borrowing costs and compare the terms and risks of saving.
How to learn
Recognise income and expenses
Sort a week of sample transactions into recurring, variable and one-off expenses.
Read a budget over time
Match income dates to bill dates instead of stopping at monthly totals.
Understand borrowing and saving calculations
Practise percentages, compounding and total repayment; write down every assumption.
Compare risks and terms
Compare fees, terms, access restrictions and loss possibilities for two sample offers of the same kind.
Books & guides
Intermediate
Principles of Finance
Start: Begin with 1.1 What Is Finance?, then chapter 7 on single-payment time value.
Read the complete free PDF on the original publisher’s site.
Beginner
Rich Dad Poor Dad
Start: Begin with the opening story and compare the author’s view of assets and liabilities with your budget.
Bengali print edition · Purchase required.
Beginner
The Psychology of Money
Start: Start with No One’s Crazy, then read Luck & Risk and Save Money.
Bengali print edition · Purchase required.
Intermediate
The Little Book of Common Sense Investing
Start: Read the opening chapters and examine how fees affect results; the examples use US markets.
Author or publisher book page; the full book is sold separately. Not a free full PDF.
Advanced
The Intelligent Investor
Start: Begin with the introduction, then explore investment versus speculation and the margin of safety.
Author or publisher book page; the full book is sold separately. Not a free full PDF.
Intermediate
One Up On Wall Street
Start: Read the first part and identify how to check a company’s finances beyond simply recognising its products.
Author or publisher book page; the full book is sold separately. Not a free full PDF.
Put it into practice
Research & frameworks
Courses & resources
FDIC · Money Smart for Adults (opens in a new tab)Free participant guides; banking examples use a US context.
Start: Start with the participant guide for Module 3: Your Income and Expenses.
CFPB · Your Money, Your Goals (opens in a new tab)Free guides and fillable PDFs; US-specific rules do not directly apply in Bangladesh.
Start: Open Bill calendar under Paying Bills.
OpenStax · Principles of Finance (opens in a new tab)Free web textbook and publisher PDF; print copies are sold separately.
Start: Read chapter 1 and explain its key terms in your own words.