The BAG Index
The BAG Index
Knowledge · Readiness · Opportunity
Impact

The goal is not simply course completion. It is better financial decision-making.

Framework

Knowledge. Confidence. Behavior. Readiness.

Knowledge
  • Understanding core financial concepts
  • Awareness of taxes, insurance, credit, investing, and contracts
  • Understanding of NIL financial responsibilities
Confidence
  • Greater comfort discussing money
  • Improved confidence evaluating choices
  • Better understanding of when professional guidance is needed
Behavior
  • Stronger budgeting and saving habits
  • Greater awareness of financial tradeoffs
  • Increased caution around debt, scams, contracts, and high-risk offers
Readiness
  • Employment income
  • Independent living
  • College
  • NIL income
  • Entrepreneurship
  • Working with banks, accountants, attorneys, advisors, and insurance professionals

All sample metrics are illustrative platform data. Verified impact outcomes will be published as participating cohorts complete their programs.