Get Money-Smart. Take a hands-on approach to paying off debt and building a secure retirement. This course teaches you everything you need to know. You can do it without dramatically changing your lifestyle or going without. This course teaches information, strategies, concepts and skills that are not taught in school, but should be. This is a course your lenders do not want you to take. It teaches you how to keep (in your own pocket) the money you currently pay them in interest.