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2
0
E
Ellie Caldwell
11/19/2025
Macroeconomics
Intro to Personal Finance
124
•
Nov 19, 2025
•
Personal Finance 101: Basics for Your Future
E
Ellie Caldwell
@elliecaldwell_sgud
1 / 6
What is Personal Finance?
Personal finance is the management of money and financial decisions for a person or family. It includes important activities like budgeting, investments, and retirement planning that will shape your financial future.
When you understand personal finance, you gain control over your money instead of letting it control you. Planning gives you direction and teaches you to manage your finances wisely. It also helps you discover what type of spender you naturally are.
Some key concepts to know include net worth (your assets minus your liabilities), opportunity cost (what you give up when choosing one option over another), and delayed gratification (choosing to wait for something better later instead of getting something now).
💡 Understanding the difference between fixed expenses (costs that stay the same each month like rent or car payments) and variable expenses (costs that change based on usage like groceries or gas) is essential for creating an effective budget!
A budget is simply an itemized summary of your expected income and expenses for a specific time period. Creating one helps you stay focused on your financial goals, ensures you don't overspend, and sets you up for a comfortable retirement later.
The Importance of Financial Planning
Financial planning isn't just for wealthy people—it's for everyone who wants to make smart money decisions! Personal financial planning involves mapping out every aspect of your finances, starting with career choices that will provide the income you need.
The process begins with researching growing jobs and good salaries while considering factors like local taxes and your credit score. Your credit score is super important because it affects your ability to borrow money for big purchases like cars or homes.
Creating a financial plan has awesome benefits. It helps you become knowledgeable about financial issues affecting your life, gives you a roadmap for spending and saving, and teaches you to manage your cash wisely.
🔑 Remember that every purchase has consequences! When you spend money on one thing, you're giving up the chance to spend it on something else—that's called opportunity cost.
Your net worth (what you own minus what you owe) impacts your spending power, while practicing delayed gratification means choosing to wait for something better rather than getting something less valuable right away. These concepts will help you make smarter purchasing decisions!
Decision Making and Goals
Financial planning is all about setting goals and figuring out how to achieve them. The whole point is turning your dreams into reality while building financial security for your future. Good planning helps you make better decisions about education, income, spending, and saving.
Financial goals are objectives expressed in terms of money—like paying off debt or saving enough to retire comfortably. Working toward financial security means having enough resources to maintain your lifestyle now and in the future.
Your financial goals typically fall into three time frames. Short-term goals take less than one year to achieve, intermediate-term goals take 1-5 years, and long-term goals take more than 5 years. Having goals in each category gives your finances good balance!
💡 Understanding the difference between wants and needs is crucial for smart financial decisions. Needs are things you must have to survive (food, water, shelter), while wants are things you desire but could live without!
When making financial decisions, you're always weighing costs against benefits. Costs are negative outcomes, while benefits are positive outcomes—and they aren't always about money! The best decisions provide the most benefits relative to costs, helping you reach your goals more efficiently.
Creating a Financial Plan (Steps 1-3)
Creating a solid financial plan takes just six steps: establish your goal, evaluate your finances, explore your options, pick the best plan, evaluate your progress, and revise as needed. Let's explore the first three steps!
In step one, you'll establish clear financial goals. Be specific about what you want to achieve, and make sure your goals are actually achievable! Remember to include short-term goals (less than a year), intermediate-term goals , and long-term goals .
Step two involves evaluating your current financial situation. Your family structure, career choice, health, and age all affect your finances. You'll need to track your expenses, both fixed expenses (like rent that stays the same) and variable expenses (like groceries that change monthly). This helps you forecast what might happen financially in your future.
🚀 The best financial plans are personalized! Don't just copy someone else's plan—consider your unique situation, goals, and lifestyle when creating yours.
For step three, identify and evaluate different options for reaching your goals. There are usually several paths to the same financial destination! You might consider getting a roommate to share expenses, working extra hours, changing jobs, or moving to a more affordable location. Think about what will work best for your specific situation.
Creating a Financial Plan (Steps 4-6)
In step four of creating your financial plan, you'll select the approach that works best for you. Consider your tolerance level—how much change can you handle comfortably? Also think about your self-discipline—can you stick to strict spending limits, or do you need a more flexible plan? Choose a strategy that balances your comfort with your goals.
Step five is all about monitoring your progress regularly. Check if you're moving toward your goals at the expected pace. This ongoing evaluation helps you catch problems early before they derail your entire plan.
For step six, be ready to revise your plan when necessary. Going off track isn't always bad—sometimes it just signals that your plan needs adjusting! If your plan becomes too restrictive or circumstances change, don't hesitate to modify it. Remember that changing one part might require adjusting other aspects too.
⚠️ When picking a financial plan, remember to consider your risk tolerance! Risk is the likelihood of loss, and everyone has different comfort levels with financial uncertainty.
To review: financial goals fall into short-term (under a year), intermediate , and long-term categories. Fixed expenses like rent stay constant, while variable expenses like utility bills fluctuate. The most important factors when choosing your plan are your tolerance for lifestyle changes and your self-discipline to stick with it!
Making SMART Financial Goals
Financial goals give you direction for your money and keep you motivated. Whether you're aiming for debt reduction, saving for retirement, or planning for a vacation, having clear goals helps you know exactly what you're working toward.
The best financial goals follow the SMART criteria: Specific, Measurable, Attainable, Realistic, and Timely. This framework turns vague wishes into actionable plans that you can actually achieve!
Specific goals clearly state exactly what you want to achieve, why it matters, and how you'll do it. Instead of saying "I want to reduce my debt," a specific goal would be "I want to eliminate my credit card debt by negotiating a payment plan and applying money from my second job toward it."
🎯 The more specific your financial goals are, the easier they'll be to achieve! Vague goals like "save more money" don't give you a clear target or plan of action.
Measurable goals assign specific values and establish clear criteria for tracking your progress. For example, "I will pay off $1000 of my credit card debt in the next 4 months" is measurable because you can track exactly how much you've paid and whether you're on schedule. This clarity helps you stay motivated as you see your progress!
We thought you’d never ask...
What is the Knowunity AI companion?
Our AI companion is specifically built for the needs of students. Based on the millions of content pieces we have on the platform we can provide truly meaningful and relevant answers to students. But its not only about answers, the companion is even more about guiding students through their daily learning challenges, with personalised study plans, quizzes or content pieces in the chat and 100% personalisation based on the students skills and developments.
Where can I download the Knowunity app?
You can download the app in the Google Play Store and in the Apple App Store.
Is Knowunity really free of charge?
That's right! Enjoy free access to study content, connect with fellow students, and get instant help – all at your fingertips.
Can't find what you're looking for? Explore other subjects.
Students love us — and so will you.
4.9/5
App Store
4.8/5
Google Play
The app is very easy to use and well designed. I have found everything I was looking for so far and have been able to learn a lot from the presentations! I will definitely use the app for a class assignment! And of course it also helps a lot as an inspiration.
Stefan S
iOS user
This app is really great. There are so many study notes and help [...]. My problem subject is French, for example, and the app has so many options for help. Thanks to this app, I have improved my French. I would recommend it to anyone.
Samantha Klich
Android user
Wow, I am really amazed. I just tried the app because I've seen it advertised many times and was absolutely stunned. This app is THE HELP you want for school and above all, it offers so many things, such as workouts and fact sheets, which have been VERY helpful to me personally.
Anna
iOS user
I think it’s very much worth it and you’ll end up using it a lot once you get the hang of it and even after looking at others notes you can still ask your Artificial intelligence buddy the question and ask to simplify it if you still don’t get it!!! In the end I think it’s worth it 😊👍 ⚠️Also DID I MENTION ITS FREEE YOU DON’T HAVE TO PAY FOR ANYTHING AND STILL GET YOUR GRADES IN PERFECTLY❗️❗️⚠️
Thomas R
iOS user
Knowunity is the BEST app I’ve used in a minute. This is not an ai review or anything this is genuinely coming from a 7th grade student (I know 2011 im young) but dude this app is a 10/10 i have maintained a 3.8 gpa and have plenty of time for gaming. I love it and my mom is just happy I got good grades
Brad T
Android user
Not only did it help me find the answer but it also showed me alternative ways to solve it. I was horrible in math and science but now I have an a in both subjects. Thanks for the help🤍🤍
David K
iOS user
The app's just great! All I have to do is enter the topic in the search bar and I get the response real fast. I don't have to watch 10 YouTube videos to understand something, so I'm saving my time. Highly recommended!
Sudenaz Ocak
Android user
In school I was really bad at maths but thanks to the app, I am doing better now. I am so grateful that you made the app.
Greenlight Bonnie
Android user
I found this app a couple years ago and it has only gotten better since then. I really love it because it can help with written questions and photo questions. Also, it can find study guides that other people have made as well as flashcard sets and practice tests. The free version is also amazing for students who might not be able to afford it. Would 100% recommend
Aubrey
iOS user
Best app if you're in Highschool or Junior high. I have been using this app for 2 school years and it's the best, it's good if you don't have anyone to help you with school work.😋🩷🎀
Marco B
iOS user
THE QUIZES AND FLASHCARDS ARE SO USEFUL AND I LOVE THE SCHOOLGPT. IT ALSO IS LITREALLY LIKE CHATGPT BUT SMARTER!! HELPED ME WITH MY MASCARA PROBLEMS TOO!! AS WELL AS MY REAL SUBJECTS ! DUHHH 😍😁😲🤑💗✨🎀😮
Elisha
iOS user
This app is phenomenal down to the correct info and the various topics you can study! I greatly recommend it for people who struggle with procrastination and those who need homework help. It has been perfectly accurate for world 1 history as far as I’ve seen! Geometry too!
Paul T
iOS user
The app is very easy to use and well designed. I have found everything I was looking for so far and have been able to learn a lot from the presentations! I will definitely use the app for a class assignment! And of course it also helps a lot as an inspiration.
Stefan S
iOS user
This app is really great. There are so many study notes and help [...]. My problem subject is French, for example, and the app has so many options for help. Thanks to this app, I have improved my French. I would recommend it to anyone.
Samantha Klich
Android user
Wow, I am really amazed. I just tried the app because I've seen it advertised many times and was absolutely stunned. This app is THE HELP you want for school and above all, it offers so many things, such as workouts and fact sheets, which have been VERY helpful to me personally.
Anna
iOS user
I think it’s very much worth it and you’ll end up using it a lot once you get the hang of it and even after looking at others notes you can still ask your Artificial intelligence buddy the question and ask to simplify it if you still don’t get it!!! In the end I think it’s worth it 😊👍 ⚠️Also DID I MENTION ITS FREEE YOU DON’T HAVE TO PAY FOR ANYTHING AND STILL GET YOUR GRADES IN PERFECTLY❗️❗️⚠️
Thomas R
iOS user
Knowunity is the BEST app I’ve used in a minute. This is not an ai review or anything this is genuinely coming from a 7th grade student (I know 2011 im young) but dude this app is a 10/10 i have maintained a 3.8 gpa and have plenty of time for gaming. I love it and my mom is just happy I got good grades
Brad T
Android user
Not only did it help me find the answer but it also showed me alternative ways to solve it. I was horrible in math and science but now I have an a in both subjects. Thanks for the help🤍🤍
David K
iOS user
The app's just great! All I have to do is enter the topic in the search bar and I get the response real fast. I don't have to watch 10 YouTube videos to understand something, so I'm saving my time. Highly recommended!
Sudenaz Ocak
Android user
In school I was really bad at maths but thanks to the app, I am doing better now. I am so grateful that you made the app.
Greenlight Bonnie
Android user
I found this app a couple years ago and it has only gotten better since then. I really love it because it can help with written questions and photo questions. Also, it can find study guides that other people have made as well as flashcard sets and practice tests. The free version is also amazing for students who might not be able to afford it. Would 100% recommend
Aubrey
iOS user
Best app if you're in Highschool or Junior high. I have been using this app for 2 school years and it's the best, it's good if you don't have anyone to help you with school work.😋🩷🎀
Marco B
iOS user
THE QUIZES AND FLASHCARDS ARE SO USEFUL AND I LOVE THE SCHOOLGPT. IT ALSO IS LITREALLY LIKE CHATGPT BUT SMARTER!! HELPED ME WITH MY MASCARA PROBLEMS TOO!! AS WELL AS MY REAL SUBJECTS ! DUHHH 😍😁😲🤑💗✨🎀😮
Elisha
iOS user
This app is phenomenal down to the correct info and the various topics you can study! I greatly recommend it for people who struggle with procrastination and those who need homework help. It has been perfectly accurate for world 1 history as far as I’ve seen! Geometry too!
Paul T
iOS user
Personal Finance 101: Basics for Your Future
E
Ellie Caldwell
@elliecaldwell_sgud
Personal finance is all about managing your money wisely to achieve your goals and build financial security. It covers everything from budgeting and spending to saving and investing. Understanding these basics will help you make smart money decisions now and... Show more
What is Personal Finance?
Personal finance is the management of money and financial decisions for a person or family. It includes important activities like budgeting, investments, and retirement planning that will shape your financial future.
When you understand personal finance, you gain control over your money instead of letting it control you. Planning gives you direction and teaches you to manage your finances wisely. It also helps you discover what type of spender you naturally are.
Some key concepts to know include net worth (your assets minus your liabilities), opportunity cost (what you give up when choosing one option over another), and delayed gratification (choosing to wait for something better later instead of getting something now).
💡 Understanding the difference between fixed expenses (costs that stay the same each month like rent or car payments) and variable expenses (costs that change based on usage like groceries or gas) is essential for creating an effective budget!
A budget is simply an itemized summary of your expected income and expenses for a specific time period. Creating one helps you stay focused on your financial goals, ensures you don't overspend, and sets you up for a comfortable retirement later.
Sign up to see the contentIt's free!
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
The Importance of Financial Planning
Financial planning isn't just for wealthy people—it's for everyone who wants to make smart money decisions! Personal financial planning involves mapping out every aspect of your finances, starting with career choices that will provide the income you need.
The process begins with researching growing jobs and good salaries while considering factors like local taxes and your credit score. Your credit score is super important because it affects your ability to borrow money for big purchases like cars or homes.
Creating a financial plan has awesome benefits. It helps you become knowledgeable about financial issues affecting your life, gives you a roadmap for spending and saving, and teaches you to manage your cash wisely.
🔑 Remember that every purchase has consequences! When you spend money on one thing, you're giving up the chance to spend it on something else—that's called opportunity cost.
Your net worth (what you own minus what you owe) impacts your spending power, while practicing delayed gratification means choosing to wait for something better rather than getting something less valuable right away. These concepts will help you make smarter purchasing decisions!
Sign up to see the contentIt's free!
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
Decision Making and Goals
Financial planning is all about setting goals and figuring out how to achieve them. The whole point is turning your dreams into reality while building financial security for your future. Good planning helps you make better decisions about education, income, spending, and saving.
Financial goals are objectives expressed in terms of money—like paying off debt or saving enough to retire comfortably. Working toward financial security means having enough resources to maintain your lifestyle now and in the future.
Your financial goals typically fall into three time frames. Short-term goals take less than one year to achieve, intermediate-term goals take 1-5 years, and long-term goals take more than 5 years. Having goals in each category gives your finances good balance!
💡 Understanding the difference between wants and needs is crucial for smart financial decisions. Needs are things you must have to survive (food, water, shelter), while wants are things you desire but could live without!
When making financial decisions, you're always weighing costs against benefits. Costs are negative outcomes, while benefits are positive outcomes—and they aren't always about money! The best decisions provide the most benefits relative to costs, helping you reach your goals more efficiently.
Sign up to see the contentIt's free!
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
Creating a Financial Plan (Steps 1-3)
Creating a solid financial plan takes just six steps: establish your goal, evaluate your finances, explore your options, pick the best plan, evaluate your progress, and revise as needed. Let's explore the first three steps!
In step one, you'll establish clear financial goals. Be specific about what you want to achieve, and make sure your goals are actually achievable! Remember to include short-term goals (less than a year), intermediate-term goals , and long-term goals .
Step two involves evaluating your current financial situation. Your family structure, career choice, health, and age all affect your finances. You'll need to track your expenses, both fixed expenses (like rent that stays the same) and variable expenses (like groceries that change monthly). This helps you forecast what might happen financially in your future.
🚀 The best financial plans are personalized! Don't just copy someone else's plan—consider your unique situation, goals, and lifestyle when creating yours.
For step three, identify and evaluate different options for reaching your goals. There are usually several paths to the same financial destination! You might consider getting a roommate to share expenses, working extra hours, changing jobs, or moving to a more affordable location. Think about what will work best for your specific situation.
Sign up to see the contentIt's free!
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
Creating a Financial Plan (Steps 4-6)
In step four of creating your financial plan, you'll select the approach that works best for you. Consider your tolerance level—how much change can you handle comfortably? Also think about your self-discipline—can you stick to strict spending limits, or do you need a more flexible plan? Choose a strategy that balances your comfort with your goals.
Step five is all about monitoring your progress regularly. Check if you're moving toward your goals at the expected pace. This ongoing evaluation helps you catch problems early before they derail your entire plan.
For step six, be ready to revise your plan when necessary. Going off track isn't always bad—sometimes it just signals that your plan needs adjusting! If your plan becomes too restrictive or circumstances change, don't hesitate to modify it. Remember that changing one part might require adjusting other aspects too.
⚠️ When picking a financial plan, remember to consider your risk tolerance! Risk is the likelihood of loss, and everyone has different comfort levels with financial uncertainty.
To review: financial goals fall into short-term (under a year), intermediate , and long-term categories. Fixed expenses like rent stay constant, while variable expenses like utility bills fluctuate. The most important factors when choosing your plan are your tolerance for lifestyle changes and your self-discipline to stick with it!
Sign up to see the contentIt's free!
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
Making SMART Financial Goals
Financial goals give you direction for your money and keep you motivated. Whether you're aiming for debt reduction, saving for retirement, or planning for a vacation, having clear goals helps you know exactly what you're working toward.
The best financial goals follow the SMART criteria: Specific, Measurable, Attainable, Realistic, and Timely. This framework turns vague wishes into actionable plans that you can actually achieve!
Specific goals clearly state exactly what you want to achieve, why it matters, and how you'll do it. Instead of saying "I want to reduce my debt," a specific goal would be "I want to eliminate my credit card debt by negotiating a payment plan and applying money from my second job toward it."
🎯 The more specific your financial goals are, the easier they'll be to achieve! Vague goals like "save more money" don't give you a clear target or plan of action.
Measurable goals assign specific values and establish clear criteria for tracking your progress. For example, "I will pay off $1000 of my credit card debt in the next 4 months" is measurable because you can track exactly how much you've paid and whether you're on schedule. This clarity helps you stay motivated as you see your progress!
We thought you’d never ask...
What is the Knowunity AI companion?
Our AI companion is specifically built for the needs of students. Based on the millions of content pieces we have on the platform we can provide truly meaningful and relevant answers to students. But its not only about answers, the companion is even more about guiding students through their daily learning challenges, with personalised study plans, quizzes or content pieces in the chat and 100% personalisation based on the students skills and developments.
Where can I download the Knowunity app?
You can download the app in the Google Play Store and in the Apple App Store.
Is Knowunity really free of charge?
That's right! Enjoy free access to study content, connect with fellow students, and get instant help – all at your fingertips.
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4.9/5
App Store
4.8/5
Google Play
The app is very easy to use and well designed. I have found everything I was looking for so far and have been able to learn a lot from the presentations! I will definitely use the app for a class assignment! And of course it also helps a lot as an inspiration.
Stefan S
iOS user
This app is really great. There are so many study notes and help [...]. My problem subject is French, for example, and the app has so many options for help. Thanks to this app, I have improved my French. I would recommend it to anyone.
Samantha Klich
Android user
Wow, I am really amazed. I just tried the app because I've seen it advertised many times and was absolutely stunned. This app is THE HELP you want for school and above all, it offers so many things, such as workouts and fact sheets, which have been VERY helpful to me personally.
Anna
iOS user
I think it’s very much worth it and you’ll end up using it a lot once you get the hang of it and even after looking at others notes you can still ask your Artificial intelligence buddy the question and ask to simplify it if you still don’t get it!!! In the end I think it’s worth it 😊👍 ⚠️Also DID I MENTION ITS FREEE YOU DON’T HAVE TO PAY FOR ANYTHING AND STILL GET YOUR GRADES IN PERFECTLY❗️❗️⚠️
Thomas R
iOS user
Knowunity is the BEST app I’ve used in a minute. This is not an ai review or anything this is genuinely coming from a 7th grade student (I know 2011 im young) but dude this app is a 10/10 i have maintained a 3.8 gpa and have plenty of time for gaming. I love it and my mom is just happy I got good grades
Brad T
Android user
Not only did it help me find the answer but it also showed me alternative ways to solve it. I was horrible in math and science but now I have an a in both subjects. Thanks for the help🤍🤍
David K
iOS user
The app's just great! All I have to do is enter the topic in the search bar and I get the response real fast. I don't have to watch 10 YouTube videos to understand something, so I'm saving my time. Highly recommended!
Sudenaz Ocak
Android user
In school I was really bad at maths but thanks to the app, I am doing better now. I am so grateful that you made the app.
Greenlight Bonnie
Android user
I found this app a couple years ago and it has only gotten better since then. I really love it because it can help with written questions and photo questions. Also, it can find study guides that other people have made as well as flashcard sets and practice tests. The free version is also amazing for students who might not be able to afford it. Would 100% recommend
Aubrey
iOS user
Best app if you're in Highschool or Junior high. I have been using this app for 2 school years and it's the best, it's good if you don't have anyone to help you with school work.😋🩷🎀
Marco B
iOS user
THE QUIZES AND FLASHCARDS ARE SO USEFUL AND I LOVE THE SCHOOLGPT. IT ALSO IS LITREALLY LIKE CHATGPT BUT SMARTER!! HELPED ME WITH MY MASCARA PROBLEMS TOO!! AS WELL AS MY REAL SUBJECTS ! DUHHH 😍😁😲🤑💗✨🎀😮
Elisha
iOS user
This app is phenomenal down to the correct info and the various topics you can study! I greatly recommend it for people who struggle with procrastination and those who need homework help. It has been perfectly accurate for world 1 history as far as I’ve seen! Geometry too!
Paul T
iOS user
The app is very easy to use and well designed. I have found everything I was looking for so far and have been able to learn a lot from the presentations! I will definitely use the app for a class assignment! And of course it also helps a lot as an inspiration.
Stefan S
iOS user
This app is really great. There are so many study notes and help [...]. My problem subject is French, for example, and the app has so many options for help. Thanks to this app, I have improved my French. I would recommend it to anyone.
Samantha Klich
Android user
Wow, I am really amazed. I just tried the app because I've seen it advertised many times and was absolutely stunned. This app is THE HELP you want for school and above all, it offers so many things, such as workouts and fact sheets, which have been VERY helpful to me personally.
Anna
iOS user
I think it’s very much worth it and you’ll end up using it a lot once you get the hang of it and even after looking at others notes you can still ask your Artificial intelligence buddy the question and ask to simplify it if you still don’t get it!!! In the end I think it’s worth it 😊👍 ⚠️Also DID I MENTION ITS FREEE YOU DON’T HAVE TO PAY FOR ANYTHING AND STILL GET YOUR GRADES IN PERFECTLY❗️❗️⚠️
Thomas R
iOS user
Knowunity is the BEST app I’ve used in a minute. This is not an ai review or anything this is genuinely coming from a 7th grade student (I know 2011 im young) but dude this app is a 10/10 i have maintained a 3.8 gpa and have plenty of time for gaming. I love it and my mom is just happy I got good grades
Brad T
Android user
Not only did it help me find the answer but it also showed me alternative ways to solve it. I was horrible in math and science but now I have an a in both subjects. Thanks for the help🤍🤍
David K
iOS user
The app's just great! All I have to do is enter the topic in the search bar and I get the response real fast. I don't have to watch 10 YouTube videos to understand something, so I'm saving my time. Highly recommended!
Sudenaz Ocak
Android user
In school I was really bad at maths but thanks to the app, I am doing better now. I am so grateful that you made the app.
Greenlight Bonnie
Android user
I found this app a couple years ago and it has only gotten better since then. I really love it because it can help with written questions and photo questions. Also, it can find study guides that other people have made as well as flashcard sets and practice tests. The free version is also amazing for students who might not be able to afford it. Would 100% recommend
Aubrey
iOS user
Best app if you're in Highschool or Junior high. I have been using this app for 2 school years and it's the best, it's good if you don't have anyone to help you with school work.😋🩷🎀
Marco B
iOS user
THE QUIZES AND FLASHCARDS ARE SO USEFUL AND I LOVE THE SCHOOLGPT. IT ALSO IS LITREALLY LIKE CHATGPT BUT SMARTER!! HELPED ME WITH MY MASCARA PROBLEMS TOO!! AS WELL AS MY REAL SUBJECTS ! DUHHH 😍😁😲🤑💗✨🎀😮
Elisha
iOS user
This app is phenomenal down to the correct info and the various topics you can study! I greatly recommend it for people who struggle with procrastination and those who need homework help. It has been perfectly accurate for world 1 history as far as I’ve seen! Geometry too!
Paul T
iOS user