How to Use MWM
MWM is a collection of free educational resources built for working people like you. There is no single right way to use them—you can explore lessons, ask questions, review benefits, or start with a personalized assessment.
There Isn't One Right Way to Use MWM
Some people come to MWM with a specific question they need answered today. Others want to build financial knowledge gradually, at their own pace.
Some members go straight to workplace benefits. Others explore the learning library. Many start by asking Joe a question before exploring anything else.
All approaches are valid. The best place to start is wherever you are right now.
MWM Resources
Four tools, all free, designed to complement each other.
Lesson Library
Thirteen financial education lessons in plain language. Each lesson includes reading content, key takeaways, and a practice quiz. You can complete them in any order.
- Read at your own pace—no time limits
- Available in English and Spanish
- Practice quizzes reinforce what you learn
- No account needed to view lessons
Ask Joe
Joe is MWM's AI-powered financial education assistant. Ask him anything about personal finance, benefits, retirement, or insurance—and get a plain-language answer.
- Instant answers to specific questions
- Designed for education, not personalized financial advice
- Follow-up questions to deepen understanding
- Completely free, no account required
Benefits Center
Explore and understand the employee benefits available to workers—including health, retirement, disability, life, and more. Designed to help you understand what you have available.
- Directory of common benefit types
- Clear explanations without technical jargon
- Covers union and non-union benefits
- No account required
Free Member Account
Create a free account to unlock personalized guidance, your Financial Readiness Assessment, progress tracking, and personalized recommendations based on your situation.
- Financial Readiness Assessment with personalized score
- Lesson progress tracking across devices
- Daily guidance based on your readiness score
- Completely free—no credit card, no charges
One Way to Get Started
If you're not sure where to begin, this path takes many members from no background to solid financial understanding.
- 1
Create your free member account
Takes two minutes. No credit card. Unlocks the Financial Readiness Assessment and personalized guidance.
- 2
Complete the Financial Readiness Assessment
A short assessment that shows where you stand across key categories like retirement, budgeting, and emergency preparedness. Generates your personal readiness score.
- 3
Explore your recommended lessons
Based on your assessment, MWM suggests which lessons to focus on first. Or browse freely across all available lessons.
- 4
Use Ask Joe for specific questions
As you read and learn, questions will come up. Ask Joe anything—no judgment, no jargon, just clear answers.
- 5
Review your employee benefits
Explore the Benefits Center to better understand what you have available. Benefits knowledge directly complements your financial education.
Start Where You Are
You don't have to know anything about finance to get started. There is no right order. There are no wrong answers. Just start with something that feels relevant to your situation today.
Frequently Asked Questions
Do I need to create an account to use MWM?
No. All lessons, Ask Joe, and the Benefits Center are fully free without any account. Creating a free member account adds personalized guidance, your Financial Readiness Assessment score, and progress tracking.
Where should I start on MWM?
There is no single right starting point. Many people begin with the lesson library and pick a topic that feels relevant to their situation right now. Others start with Ask Joe to get an immediate answer to a specific question.
Is MWM really free?
Yes, completely. No subscriptions, no paywalls, no upsells. Every lesson, Ask Joe, the Benefits Center, and member accounts are free.
What is Ask Joe?
Ask Joe is MWM's AI-powered financial education assistant. It answers plain-language questions about personal finance, benefits, retirement, and more. It is designed for education, not personalized financial advice.
What is the Financial Readiness Assessment?
The Financial Readiness Assessment is a short questionnaire that helps you understand where you stand across key financial readiness categories. Your results guide personalized lesson recommendations. It is available to free member account holders.