CCCS Website Learning the basics of personal finance helps individuals build confidence in their financial decision-making. Banking, budgeting, saving, credit, debt, and investing are the pillars that underpin most of the financial decisions that people make in their lives. This Microcredential will cover the basic personal finance knowledge and needs of most individuals so students can make decisions to live their best financial life. The course emphasizes the basics of budgeting, buying, saving, borrowing, career planning, investing, retirement planning, estate planning, insurance, and income taxes.