B L O G
materialism: the anti-well-being
childhood pathways to materialism
childhood pathways to materialism
childhood pathways to materialism
childhood pathways to materialism
childhood pathways to materialism
Lessons of Our Elders in Saving & Restraint
Frugality gets a bad rap. It's not on social media like those other, better-dressed guys: Consumerism & Debt.
But restraint that increases net worth is a WAY better look than all the pictures taken of the 'not much to show for it.'
Meet the Two People Depending on You
You cannot HELP your future until
you first MEET your future.
Meet the older YOUs that will be highly
dependent on the financial choices of
your 20's, 30's, 40's & 50's.
Discipline & Healthy Habits Drive Success
Financial wellness is about more
than simply having information.
Delayed gratification, discipline &
healthy habits are what drive success.
The Value of A Budget is the Hard Stop
Only so much will fit. You want to put something else in?
That's where trade-offs and sacrifice take center stage.
Why Financial Literacy?
Every aspect of our adult lives: from paying bills, applying and managing credit, buying cars and homes, and investing for the future, all depend on a basic financial literacy.
And yet, research shows that only about half of Americans understand concepts like debt and the importance for saving for retirement.
California is one of 5 states with no personal finance education standards for any grade level.
a parent's case for financial literacy
The Need is Great
America's massive and expanding racial & gender financial literacy gap contributes to
growing economic inequalities.
Low financial literacy is connected to negative credit behaviors, higher interest and delinquency rates and home foreclosure.
Financial Literacy Empowers
According to the P-Fin Index, the connection is clear: financial literacy leads to financial wellness.
People with greater financial literacy are:
- Better prepared to achieve short & long-term financial goals
- Better able to handle unexpected expenses
- Are less likely to be bound by debt and tend to make payments on time
- More likely to plan for & stay on track towards retirement goals
Financial Literacy Curriculum
There is much to know about the financial part of our lives. We often must learn as we go, making painful mistakes along the way.
Beyond the specifics of budgeting or how credit works, a large part of financial wellness is about self-control, discipline and trade-offs; about delayed gratification and the ability to think long-term.
Topics include:
Wants vs. Needs
Financial Goal-Setting & Planning
Delayed Gratification & Self-Control
Income & Taxes
Budgeting & Expenses
Savings
Unexpected Life Events
Credit & Debt
Insurance & Risk
Being a Critical Consumer
Retirement
The Magic of Compounding
Introduction to Investing
Financial Self-Sufficiency
National Financial Literacy Month
April is National Financial Literacy Month.
There's no better time than spring for a month of information & action devoted to family-focused financial wellness.
April is National Financial Literacy Month
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