Portal Entry + Role Access
This layer separates the student experience from the instructor/admin dashboard. Students can learn, simulate, save reports, and build action plans. Instructors/Admins can access the protected progress dashboard, class analytics, notes, and student reports.
Sign In
Use a simple role PIN for local training/demo control. Replace these demo PINs before public deployment.
Demo PIN: 1111
Demo PIN: 2468
Demo PIN: 7481
Role Permissions
Cloud Stable QA + Deployment Control Center
This release is the stability layer. Use it before public launch to verify that the learner portal, instructor access, Google Sheets cloud save, reports, certificates, action plans, and PWA deployment are working correctly.
Stability Checklist
Cloud Smoke Test
Use this after pasting the Apps Script Web App URL. It sends a lightweight test row to Google Sheets so you can verify that the backend is live.
UntestedRole Gate Verification
This verifies that student, instructor, and admin areas are visually separated before launch.
Deployment Sign-Off
Student Learning Dashboard
This is the learner-facing home base. It summarizes the current learner profile, curriculum progress, confidence, scenario score, action plan status, and certificate readiness.
Resume Learning
Use this shortcut to continue the adult learning path, run simulations, or build your financial action plan.
Student Lookup / Sync
For instructors/admins, search a learner by ID or email after connecting Google Sheets. For students, this helps reload your own saved record.
Cloud Connection
Paste your deployed Apps Script Web App URL below. The platform will save profiles, dashboard snapshots, simulations, reports, certificates, checklist progress, and activity logs into your Google Sheet. If no URL is connected, it still saves locally in this browser.
API Settings
Learner Profile
Beginner-to-Expert Learning Path
The academy turns complex money topics into plain English. Learners sign into the Student Portal, build confidence module by module, practice with simulations, and instructors can monitor progress through a protected dashboard.
Interest Rates
Interest is the price of borrowing money or the reward for lending/investing money.
Credit Scores
Your credit score is a risk signal. Your credit profile is the full story lenders review.
Investing
Investments may earn through appreciation, dividends, interest, cash flow, equity growth, and reinvestment.
APR vs APY
APR is usually used to explain borrowing cost. APY is usually used to explain earning power after compounding. Borrowers watch APR. Savers and investors watch APY.
Good debt vs dangerous debt
Strategic debt can support income, ownership, or stability. Dangerous debt drains cash flow, carries high fees, has unclear terms, or does not create value.
Learn How Money Works → Simulate Smart Decisions → Build a Financial Action Plan
This engine keeps the curriculum adult-friendly. Every module teaches the concept, explains why it matters in real life, connects to a calculator, checks learner confidence, and pushes the learner toward an action step instead of just memorizing definitions.
Money Foundation: Cash Flow Before Everything
Why this matters: adults cannot make strong credit, debt, or investing decisions without understanding monthly cash flow.
- Learn income, expenses, surplus, emergency fund, and money leaks.
- Calculator connection: Financial Health Dashboard.
- Real-life example: deciding whether a car payment fits the full monthly budget.
Interest Rates: The Price of Money
Why this matters: APR can quietly turn an affordable-looking payment into an expensive decision.
- Learn APR, APY, simple interest, compound interest, fixed vs variable rates.
- Calculator connection: Debt/APR and investment calculators.
- Real-life example: comparing two loans with the same payment but different terms.
Credit Scores: Approval Power and Cost
Why this matters: credit affects approval, down payments, monthly costs, insurance in some contexts, and business funding options.
- Learn utilization, payment history, inquiries, derogatory items, and credit profile strength.
- Calculator connection: Credit Score Impact Simulator.
- Real-life example: paying a card down before applying for financing.
Debt Strategy: Stop the Drain
Why this matters: debt can either support stability and growth or drain future options.
- Learn avalanche, snowball, debt service, minimum payment trap, and predatory loan signs.
- Calculator connection: Debt Payoff + APR Comparison.
- Real-life example: choosing whether to pay the highest APR or smallest balance first.
Investing: Ownership, Risk, and Compounding
Why this matters: investing is how money can work for you, but only after stability and risk awareness.
- Learn contributions, compounding, diversification, volatility, dividends, and cash flow.
- Calculator connection: Investment Growth + Freedom Target.
- Real-life example: separating emergency savings from long-term investment money.
Business Credit & Funding Readiness
Why this matters: lenders fund organized businesses with proof, not just ideas.
- Learn EIN, bank statements, revenue, documents, debt schedule, and use of funds.
- Calculator connection: Business Funding Checklist + Score.
- Real-life example: preparing documents before applying so funding does not become desperate.
Adult Scenario Practice
You are considering a $18,000 vehicle for work/business use. Your credit score is fair, the APR offered is high, and the payment fits only if nothing unexpected happens. What should you do first?
Adult Learning Rubric
Curriculum Coaching Output
Instructor + Student Progress Dashboard
This dashboard helps an instructor or owner review learner progress, confidence, scenario scores, certificates, and “who needs help” alerts. It can work locally for testing and save snapshots to Google Sheets after cloud connection is configured.
Instructor Controls
Use these controls to create an instructor snapshot from the current learner, load sample class data for demo/testing, generate a student report, and save instructor records to Sheets.
Who Needs Help Alerts
Students appear here when progress, confidence, or scenario scores suggest they need instructor support.
Module Completion Analytics
Average confidence by curriculum area across the roster.
Exportable Student Report
Generate a plain-English instructor report for the selected learner. Use browser print/save PDF if needed.
Student Progress Table
| Learner | Goal | Progress | Confidence | Scenario | Rank | Status | Certificate | Last Activity |
|---|
Learn Before You Calculate
The goal is not just to get a number. The goal is to understand what each number is telling you, why it matters, and what smart decision should come next.
Financial Health Score
This is a teaching score that combines cash flow, credit power, emergency savings, and investor readiness. It is not an official bank score. It helps you understand financial stability.
Foundation Mode: fix cash flow, avoid new debt, build stability.
Builder Mode: lower debt, build emergency savings, improve credit.
Growth Mode: invest consistently, organize funding documents, acquire assets carefully.
Credit Utilization
Utilization shows how much revolving credit you are using. It is one of the clearest signals of whether you look financially stretched.
- Under 10%: excellent control.
- 10–30%: generally controlled.
- 30–50%: caution zone.
- Over 50%: pressure zone; lenders may see risk.
Debt Payoff Strategy
Debt payoff has two major methods. Neither is “wrong.” The best method depends on whether you need the strongest math or the strongest motivation.
- Avalanche: attack highest APR first. Usually saves the most interest.
- Snowball: attack smallest balance first. Creates quick wins and momentum.
Expert thinking: use avalanche when you can stay disciplined; use snowball when motivation is the real barrier.
Investment Growth
Investment calculators are not promises. They are learning tools. They show how contribution amount, time, and assumed return work together.
- Contributions: money you personally put in.
- Growth: estimated earnings from compounding.
- Time: the longer money remains invested, the more compounding can matter.
Smart rule: do not invest emergency money or bill money. Stability comes before risk.
Freedom Number
The freedom number estimates how much invested capital could be needed to produce a desired passive income amount.
If you want $4,000/month, that is $48,000/year. At a 5% yield, the rough capital target is $960,000.
Business Funding Readiness
Funding readiness is not just “Can I get approved?” It asks whether the business looks organized, stable, and able to repay.
- Bank statements show cash flow.
- Revenue shows repayment ability.
- Documents show legitimacy.
- Credit profile affects pricing and approval options.
Financial Health Dashboard
Enter Your Snapshot
AI-Style Money Coach
Credit Score Impact Simulator
Utilization Simulator
Mock Credit Report Analyzer
Debt Payoff + APR Comparison
Debt 1
Debt 2
Strategy
Investment Growth + Freedom Target
Investment Growth
Financial Freedom Number
Business Funding Checklist + Score
Funding Score
Document Checklist
Financial Action Plan Builder
This section turns your calculator results into a plain-English action plan. It explains the priority, why it matters, and what to do next.
Generate Smart Action Plan
Run the dashboard, credit simulator, debt lab, investing calculator, and funding score first. Then generate your plan.
Action Plan Output
Printable Financial Report + Completion Certificate
Report
Certificate
Certificate of Completion
This certifies that
Learner
completed the adult learning curriculum for
ATM Credit Command Center Financial Literacy Academy v1.5
Learn how money works • Simulate smart decisions • Build a financial action plan
Setup Checklist
1. Google Sheet
Upload/import the included workbook template or let Apps Script create tabs automatically by running setupSpreadsheet().
2. Apps Script
Paste Code.gs, deploy as Web App, execute as yourself, access for anyone with link.
3. Frontend
Deploy this folder to Cloudflare Pages, paste the Web App URL into the Cloud Connection section, and test save/load plus the v1.3 Instructor Dashboard.