Junior Year

Wealth

Credit scores and credit cards
Debt: good vs. bad
Taxes basics (W-2s, filing)
Long-term savings
Understanding pay, benefits, and employment rights
Avoiding financial traps

Health

Navigating healthcare systems
Health insurance basics
Mental health self-advocacy
Substance use decision-making
Managing burnout
Building lifelong healthy habits

Education

Post-secondary planning (college, trade, military, work)
FAFSA and financial aid literacy
Scholarships and applications
Career shadowing or internships
Interview skills
Long-term education planning

Emotions

Managing adult-level stress
Healthy conflict resolution
Navigating romantic relationships
Boundaries with family of origin
Grief, loss, and change
Resilience and perseverance

Life Skills

Housing basics (leases, roommates, tenant rights)
Car ownership or advanced transit planning
Meal planning and grocery budgeting
Professional communication
Time-energy-money tradeoffs

Spiritual

Purpose beyond survival
Identity apart from foster care
Ethics in work and relationships
Meaningful community involvement
Clarifying personal beliefs and values