Capstone
A capstone that binds the Financial Foundations program into a single artifact. The Scholar produces a comprehensive 'State of the Household' report — balance sheet, cash flow, debt plan, insurance audit, tax dashboard, and one macro paragraph — and defends it orally.
Deliverables
- — A complete household balance sheet with quarter-over-quarter columns for the trailing year.
- — A twelve-month rolling cash-flow forecast.
- — A written debt repayment plan under the chosen method.
- — An insurance audit listing every household policy and the tail risk it addresses.
- — A tax dashboard with current-year contribution status for every tax-advantaged account.
- — A one-page macro paragraph on the household's exposure to the current cycle.
Rubric
- — Every artifact reconciles to the others — the balance sheet and cash flow agree, the debt plan matches the balance sheet, the tax dashboard matches the retirement lines.
- — The insurance audit identifies at least one gap or overinsurance and defends the recommendation.
- — The tax dashboard names at least three actions to complete before year-end with dollar impacts.
- — The macro paragraph engages honestly with the specific vulnerabilities of the household's income and balance sheet.
- — Oral defense: the Scholar can answer three questions from the review panel without reference to notes.
Oral Defense
- — State the household's net worth trend and its trajectory.
- — State the largest single risk in the household's balance sheet.
- — State the one financial habit that has changed most in the last quarter.
- — State the number in the report you are least confident in and how you would tighten it.
- — Answer one question from the reviewer chosen at random.
Capstone
The terminal work that binds the module.