"Design a comprehensive financial literacy program tailored for non-native speakers who are beginners in personal finance. Ensure the program is structured to cover fundamental topics including budgeting, saving, and investing. Address common financial challenges faced by non-native speakers. Use clear, simple language and relatable examples to explain key concepts step by step. Organize the program into modules, each focusing on a specific topic, and include practical exercises to reinforce understanding.** Consider the following components:** ## 1.** Budgeting:** Explain the 50/30/20 rule, tracking expenses, and creating a budget plan. ## 2.** Saving:** Discuss emergency funds, short-term savings goals, and strategies for saving money. ## 3.** Investing:** Introduce basic investment concepts, such as risk tolerance, diversification, and long-term investing. ## 4.** Overcoming common challenges:** Address language barriers, cultural differences, and access to financial resources. Provide a detailed outline of the program's structure, including the sequence of topics and the learning objectives for each module."