Podcasts about national financial literacy month

JPMorgan Chase is scaling its digital resources and fintech integrations to support small business owners through economic uncertainty and continued digital transformation. The effort starts with understanding business owners, John Frerichs, head of global SMB payments at the $4.3 trillion bank, tells Bank Automation News in this episode of “The Buzz” podcast. “Our duty is to be here for our customers in difficult and uncertain times,” he says. According to JPMorgan Chase's March small business sentiment survey, 78% of respondents were optimistic about the future, with about 40% planning to expand, Frerichs tells BAN. However,  tariff concerns could cause confidence to dip slightly in April, he notes. Chase expects the results of its April small business sentiment survey by early May, the bank shared with BAN. With April marking National Financial Literacy Month, Frerichs emphasizes its importance: “We want to make small business owners' life as easy as possible. Part of that is through financial literacy.” For example, the bank's Coaching for Impact program, which provides consulting, on-demand financial education and banking tools for entrepreneurs, has grown from four cities to 38 since its 2020 launch to include 82 senior business consultants. “So far, 7,000 small businesses have gone through the program,” Frerichs says. To help business owners make data-informed decisions, Chase applies AI and analytics to transaction data. “We take anonymized transaction data and spin it back to … a small business owner, showing sales, customer demographics and transaction trends,” he says. Chase also offers SMBs end-to-end digital tools, including: Payroll integration via fintech Gusto; An e-commerce gateway through Visa-owned payment gateway Authorize.net; Real-time, same-day and scheduled payment options;  Digital invoicing; and Omnichannel acceptance for in-store, online and mobile transactions. “We try to always bring that all together in as streamlined a way as possible,” Frerichs says. “Small business owners need time back.” Learn more about how the nation's biggest bank is tailoring solutions for SMBs in this episode of “The Buzz.” 

In honor of April being National Financial Literacy Month, we're revisiting an episode from last year - Money Mindset: Allowance Answers. In this episode, Adrienne speaks with financial expert Mary Dyer about figuring out allowance for your kids. From how much should it be to what chores they should earn allowance for, plus, what our guest says is the *most important thing* when it comes to allowance. They discuss how much should kids earn, what should they earn money for and what should just be considered household chores, and what about those little purchases that seem like no big deal at the store, when should you float them some cash. These are all questions we can face every day as parents as we try to set our kids up for financial success. You may remember Mary Dyer from our previous "Money Mindset" episode. Mary is the Financial Education Program Manager at the Finance Authority of Maine, also known as FAME. She's also navigated these same challenges with her own kids, too. Learn more about your ad choices. Visit megaphone.fm/adchoices

Derek Muller, Money Values Project Lead at Heartlines joined Clarence Ford on air for more on the value of making financial literacy a family affairSee omnystudio.com/listener for privacy information.

Throughout April, banks join various organizations and community groups to celebrate National Financial Literacy Month as they emphasize the important role that budgeting and saving play in managing finances. On this podcast episode, MBA Chairman Adrian Breen, CEO/president of The Bank of Missouri, talks about how his upbringing influenced his banking career and how The Bank of Missouri is guiding customers in their financial journeys. Connect with MBAFacebook | X | LinkedIn | Instagram

In celebration of April as National Financial Literacy Month, Marijan Benric - author of Graduation Gift - discusses his book, and provides perspective on money management and life skills.

Since April is National Financial Literacy Month, the timing couldn't be better to have this conversation with Julia Cook, whose children's books have sold over 3 million copies. Her latest book, I Am Money, helps children understand the value of money in fun and creative ways. I just gifted a copy to my nieces yesterday!

Welcome back to Mindfully Rich Podcast for Part 2 of our special series, "Is The Check Engine Light On In Your Finances?" I'm your host, Gina RichE Richardson. Today, I'll continue the conversation we started last week, moving on to preventative maintenance, which you can do to prevent severe damage to your finances.Drawing parallels between car maintenance and financial health, I stress the importance of regular financial check-ups, even when everything seems to run smoothly. Just as you wouldn't wait for the warning light in your car before taking action, proactive financial management is key to avoiding financial crises.In this episode, I'll share three essential strategies for maximizing your financial health:1. Prevention is Key: Similar to how regular oil changes and tire rotations prevent major issues with your car, staying on top of your finances can prevent small problems from escalating. I'll make sure to emphasize the importance of regularly reviewing your financial plan, budget, expenses, debts, and goals to catch potential issues early and take corrective action.2. Maximize Your Financial Health: I'll highlight the significance of securing more income to increase wealth. Waiting until your financial situation reaches a critical point before seeking help is akin to waiting until you're seriously ill before seeing a doctor. Gina encourages listeners to assess their income streams and align them with their current and future financial goals.3. Empower Yourself with Knowledge: Ignorance is not bliss regarding finances. I'll make sure to emphasize the importance of staying informed about your financial situation through regular check-ups. This knowledge empowers you to make informed decisions and take control of your financial future.Through practical insights and actionable advice, I plan on equipping you with the tools to maintain your financial health and avoid waiting for the "Check Engine" light to come on in your finances. Proactive planning and regular check-ups are the keys to financial success.Tune in to Mindfully Rich Podcast and take control of your financial future today!Remember to subscribe, share, and leave a review!]Book Me As Your Financial GuideOver the past three years, my podcast has been a treasure trove of valuable money tips, with each of its 100 episodes packed with unique insights and strategies. PERIODT!!!If you're ready to take your finances to the next level in 2024 and need a winning strategy to achieve your goals, I encourage you to visit my website, www.iammindfullyrich.com. You can schedule a complimentary consultation with me, during which we can discuss your financial situation and explore how my wealth of experience can benefit you. Let's rise together!Connect With The Podcast on Instagram Keep up with the pod on Instagram - @mindfully_rich_podcast 

Starting with the class of 2027, all Connecticut high school students are now required to take a financial literacy course. April is National Financial Literacy Month, and today, we hear from those that advocated to get this course work in schools. For many, personal finance is just that - it's deeply personal. Later, we hear about efforts to offer financial literacy courses to adults, and the opportunities to learn about financing beyond high school. GUESTS: Nan Morrison: President and Chief Executive Officer of the Council for Economic Education State Representative Corey Paris: Stamford State Representative Barbara Angelicola-Manzolli: Business Education Teacher at Lewis S. Mills High School in Burlington Sabrina Acosta: Connecticut Money School Program Manager Where We Live is available as a podcast on Apple Podcasts, Spotify, Amazon Music, TuneIn, Listen Notes, or wherever you get your podcasts. Subscribe and never miss an episode.Support the show: http://wnpr.org/donateSee omnystudio.com/listener for privacy information.

Overview: Happy April! Tune into this week's episode of Launch Financial as we discuss National Financial Literacy Month and why financial literacy and empowerment is such a core value of Sherman Wealth. In this episode we also delve into a review of the stock and bond market in Q1, as we continue to watch for Fed rhetoric on the future of cutting interest rates. If you have any questions, email info@shermanwealth.com  Show Notes:

April is National Financial Literacy Month. This month we are getting all up in your business by encouraging you to make smart moves to ensure your financial health. It all starts with financial literacy and creating smart money habits. Please listen in as Lou and Teresa talk all things money with Lisa Sakai, a Financial Consultant who works with clients on Bucket List Acceleration, preparing them to  live the life they want now. Lisa is the the co-founder of One Vision Retirement, and has been working with clients across the country for over 12 years. Her advice provides easy to understand, baby steps that people can take action on right away.Lisa's website:https://www.onevisionretire.com/Earrings Off blog post:https://www.earringsoff.com/post/missing-anetraEarrings Off Podcast is on YouTube!  Visit us at: https://www.youtube.com/@earringsoffpodcastPlease subscribe!Marketing and Social Media Strategist:   Tyresa OluyideTheme song:                                                               D-TechneekzLogo Design:                                                               Claire RitterProducers:                                                                   Lou Ali and Teresa VaughanSupport the show

April is National Financial Literacy Month! In honor of that, Evon dives into some foundational topics around how to manage and prioritize your cash flow.He talks about four foundational financial questions you should ask yourself about financial health:Are you taking the right amount of risk?Are you using your income appropriately?Do you have the right mix of assets?How much wealth do you need to make work optional?He guides optometrists on how to quickly track the "health" of your cash flow through four metrics/vital signs:Savings RateSpend RateDebt RateTax RateLastly, he talks about reverse budgeting - a.k.a., the way of budgeting that works.Ultimately, it's about prioritizing the things that are most important to you and creating a system of saving that's automated. Once you've tackled the priorities, you have total freedom to spend what's left however you'd like.Have questions on anything discussed or want to have topics or questions featured on the show? Send Evon an email at evon@optometrywealth.com.Check out www.optometrywealth.com to get to know more about Evon, his financial planning firm Optometry Wealth Advisors, and how he helps optometrists nationwide. From there, you can schedule a short Intro call to share what's on your mind and learn how Evon helps ODs master their cash flow and debt, build their net worth, and plan purposefully around their money and their practices. Resources mentioned on this episode:Get Your FREE Financial Health AssessmentSpreadsheet - Cash Flow AnalysisThe Optometry Money Podcast Ep. 27: How to Check the Health of Your Cash FlowThe Optometry Money Podcast Ep. 23: Is There Balance In Your Balance Sheet?The Optometry Money Podcast Ep. 22: How To Track Progress Toward Financial IndependenceThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

To help retain losses, some online retailers are hoping to persuade consumers to make fewer returns.

This episode is brought to you by Members Choice Credit Union. April is National Financial Literacy Month! Help set your children on the path of financial success with Members Choice. Join for better rates, lower rates and other benefits! Motherhood shouldn't mean we survive on the crumbs and leftovers of our kids… We need to remember that, while we focus so much of our energy on feeding our children nutritious meals to help them grow, we need the same focus on ourselves.  Join Ashley and Jenny as they discuss how they make sure they are nourishing themselves with great food to sustain themselves as well! No more half-eaten chicken nuggets, mamas… Take care to feed your bodies well! “Cream & Sugar” Recommendations: Need a way to always be up to date about what's going on with our incredible Astros team? Become an Astros Insider! Find out about any events and deals that will have you root, root rooting for the home team! The Super Mario Bros. Movie and Air are two big hits to check out on the big screen. Enjoy a movie night, or two, with these incredible flicks! Houston Moms “House Blend” Posts: When you or your children are sensitive to noises, overwhelming lights and colors or any other sensory sensitivities, it can be tough to find places to go and things to see in Houston. This post, Sensory Friendly Events and Play Places in Houston, lists some great ways to venture out with your sensory needs in mind! STAAR Testing doesn't have to be an overwhelming drag!  Check out the post, 4 Tips To Prepare Your Kids for STAAR Testing, to help your kiddos work through any test anxiety and do their very best! The Cold Coffee Club wants to hear from you! If you're a local business owner, media personality, author, influencer, or someone who just has some great insights into Houston, let's have a chat! Email us at admin@houstonmom.com and tell us about yourself and join us on an episode!

As we move toward May and the AP Macro and Micro Economics Exams, the team will be joined by former C-SPAN Classroom Teacher Fellow Patricia Cunningham, as we recognize April as National Financial Literacy Month and learn about economic concepts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Market Recap and News going into Easter Weekend, Ticketmaster and Live Nation in 2023, EP Wealth's CFP Erin Voison talks Budgeting during National Financial Literacy Month

We sat down with Dawn Gonzales, VP, Community Relations and chatted about the importance of financial education and financial literacy for not only adults, but also for kids. April is National Financial Literacy Month and Youth Savings Month and this episode will help plant the seeds of financial well-being. If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.orgFollow Centris on Social!Facebook | Instagram | Twitter | LinkedInA Hurrdat Media Production. Hurrdat Media is a digital media and commercial video production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network and learn more about our other services today on HurrdatMedia.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Market Recap and News going into Easter Weekend, Ticketmaster and Live Nation in 2023, EP Wealth's CFP Erin Voison talks Budgeting during National Financial Literacy MonthSee omnystudio.com/listener for privacy information.

Gen Z Inspiring Lives of Liberties. The host for this show is Shayna Park. The guest is Brandon Lorezco. April was designated as National Financial Literacy month in 2005 by congress. This was done to raise public awareness of the importance of financial literacy and maintaining smart money management habits. Shayna and Brandon share key financial concepts and how they impacted their lives.The ThinkTech YouTube Playlist for this show is https://www.youtube.com/playlist?list=PLQpkwcNJny6nZL7jFpSvzQ2VL3GvCmsD-Please visit our ThinkTech website at https://thinktechhawaii.com and see our Think Tech Advisories at https://thinktechadvisories.blogspot.com.

April is National Financial Literacy Month. In observance of this month: Lisa discusses financial wellness and the importance of having a healthy financial portfolio. Four components of financial health: spending, saving, borrowing, and planning are discussed. Check out the latest financial literacy information on the @muslimwomenandfinance Instagram page. As with any business, your results may vary and will be based on your individual capacity, business experience, expertise, and level of desire. All episodes are informational and educational, and do not come with a guarantee as to the level of income you may achieve - you accept the risk that earnings may differ by individual. Each individual's success depends on his or her background, dedication, desire and motivation.   --- Send in a voice message: https://podcasters.spotify.com/pod/show/muslimwomenandfinance/message Support this podcast: https://podcasters.spotify.com/pod/show/muslimwomenandfinance/support

Now more than ever it is important that we all become financially literate because our economy demands it. Our economy demands it because we have to learn how to navigate the cost-of-living crisis, the inflation cycle we are in, and kitchen table issues.Facts:Roughly 62 percent of men are financially literate, compared with 52 percent of women. Similarly, the data show that about 64 percent of adults living in high-income households are financially literate, compared to about 47 percent of adults living in low-income households.Financial literacy helps to improve the quality of financial services and contributes to the economic growth and development of a country. Increasing the complexity of the economy, individual needs, and financial products, the individual must have financial literacy to manage his personal finances.Americans scored an average of 68% on the national financial literacy test. The average score up to date is 67.93%, and the percentage of passing scores is 58.61%. Financial literacy high school statistics show that the average score among Americans aged 15-18 in 2020 was 67.93%.Current financial literacy statisticsRoughly 53% of adults are financially anxiousTwo in three families lack an emergency fundApproximately 78% of adults live paycheck to paycheckFour in five adults experience barriers to homeownershipRoughly 54% of Millenials are concerned about student loansThree in five adults don't keep a budgetThis is the last day of Wealth Academy Podcast's 30-day financial literacy series. Hopefully, you have learned things that will help you become financially literate. It is important that we all become as knowledgeable about financial literacy so we can positively make a difference in our country. Being able to navigate today's economy that is in a historic inflationary cycle demands that we be proactive in accounting for every cent we spend, so we can become debt-free and financially independent, here is to your financial success!Learn about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG  

A recent news broadcast states rents jumped twenty (20%)  in the U.S amid the housing shortage. Rental prices are soaring with the average two-year change coming in at 20% or higher, here is a breakdown by city:Two-Year Rental Increases by city:Miami  +58%Tampa  +45.8%Orlando  +34.7%Jacksonville  + 29.2%Memphis + 41.4%Riverside, CA +48.2%Las Vegas  +34.4%New Orleans -+34.4%Phoenix - +29%There is no projection for when the rental increases will subside due to the shortage of affordable housing for people. The home building industry is impacted by the increase in the price of lumber and a shortage of home builders. Rents will continue to increase in this all-cash buyers market.There will likely be more homelessness in the near term because the average citizen cannot pay a $1,100 increase when renting a house, government intervention is required in matters such as this. Learn about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG

As we all continue recovering from the pandemic, we find ourselves in a space that truly calls upon us all to work smarter to become financially independent. Why?With the cost-of-living crisis in our midst, we must all pull our finances to the level to match the inflation rate. We all knew coming out of the pandemic that the economy would be adjusting and it is. The Federal Reserve raised interest rates by 0.25% in March and we know there will be six additional increases throughout 2022. Kitchen table issues take into account the increase in food prices, gas, and goods. Investing in stocks, bonds, and other commodities will yield dividends that will likely outpace the inflation rate.How to become financially independent:Knowledge is power so study the stock market, have a section with a financial advisor, talk to your local banker and learn as much as you can about investing in stocks, real estate, cryptocurrency, and more. Self-study is important because you won't be going in blind and with a basic knowledge of what can help you assist your family finances in navigating this inflationary cycle.Start investing, there is no perfect formula and or secret sauce, just get started. Why? The sooner you start investing the more you will learn about the process. There is no overnight success, invest from a long-run perspective meaning, you are in it to win it in the long run.Prepare for life events that may take place in your life such as marriage, having a family, moving or going to college. The bottom line is this, just as no one saw the pandemic coming, there will likely be other significant events that come our way in the future. Preparation is the key and we all received experience from COVID-19 and we know what to do if something like this happens again.What about your spending habits? Do you know how to establish a budget, financial plan, and more? Once you establish your financial budget it will be a window into becoming debt-free. You will be able to understand your spending habit and make adjustments to work to become financially free.Work to maximize your credit score. Your credit score is the byproduct of your spending habits, credit card debt, personal and student loans, mortgage, and more. Formulate a spending plan, an emergency fund, and build your credit.Set aside money to help your family. The awesome power of service to the family is priceless, so ensure you have a purpose for working, saving, and building your family one dollar at a time.Retirement is in your future, what you do today has everything to do with your tomorrow. The sooner you start to save, invest, and generate wealth the more you will have in your golden days.There is more, however, this will get you out the door when it comes to becoming financially independent. Everything listed here will help you, start today!  

After observing a news broadcast earlier today, the discussion surrounding the cost of living crisis came up. The focus of the news report was centered on childcare costs and the gender pay gap.Facts: Twenty-five percent (25%) of family budgets go toward childcare expenses. When it comes to the gender pay gap,  it takes Caucasian women three more months to equal the pay of Caucasian men.It takes African American women seven more months of work to equal the pay of Caucasian men.It takes Hispanic women ten more months of work to equal the pay of Caucasian men.Women earn eighty (80) cents for every dollar a man earns which should be corrected considering they work the same job, this is pay inequity of the highest order. Living wages required a per hour wage rate of $35.80 to keep up with inflation, however, the federal living wage rate is only $7.35 an hour.The workforce is feeling widespread burnout. A lot of it is due to the inflation cycle and pay inequality.Fifty-three percent of women surveyed stated stress levels are higher than they were a year ago. All in all, when it comes to financial literacy for women there are still a lot of challenges they face and more effort needs to  be put into correcting the wrongs of pay inequity and flexible work schedules that can accommodate women in all industries.Learn about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG 

My favorite definition of financial freedom reads as follows: "Financial freedom is the ability to live the lifestyle you desire without having to work or rely on anyone else for money."The real question is whether you can survive if your paychecks stopped coming in? Only you can answer this question, and conduct your own assessment pertaining to the question. Some people are transitioning into a movement called Financial Independence Retire Early (F.I.R.E.) which entails spending less than you earn and saving or investing the rest to reach financial independence.Three points of focus for F.I.R.E. practitioners:1. Minimize your expenses in a few key areas2. Grow your wealth3. Never stop learning (self-study, investments, etc.)This is a wonderful segway for Wealth Academy Podcast listeners and subscribers, in that it is time for us all to lock in our financial literacy, and take action to see your financial goals and dreams come to fruition. Recommend your family, friends, and colleagues to listen to episode 233 of day 26 of the NFLM.Learn about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG 

Not only was COVID-19 devastating in 2020, but it is also having an impact on people's finances to this day.  The question people ask is, "Is the pandemic causing stress in their lives and with their finances?"  No doubt about it, people are experiencing mental health issues as a result of the debt they have. The more debt, the more anxiety, stress, and depression people are experiencing.Financial education will play a critical role in the U.S economy turning around as the pandemic abates. A pivot continues to take place within our community of financial educators and advocates to keep services available to teachers and learners, as well as develop plans to respond to the millions who will need financial education as they work toward recovery.The pandemic continues causing stress for people and their personal finances. More than half (54%) of people say they're worried about not having enough money saved, while almost half (48%) are worried about their ability to pay bills. Financial education alone is not enough to foresee economic challenges or remedy a financial crisis. Leveraging the coronavirus outbreak to demonstrate the ineffectiveness of financial education and blaming the individual for not having emergency savings or financial resources to get through this is irresponsible.  Continue discovering  as much as possible so you become financially literate and over time everything will work in your favor.Learn about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG 

People do not talk about divorce they either keep it quiet or close hold as they go through this emotional ordeal. It is important to understand the divorce rate for Americans over the age of 50 has doubled since 1990, an increasing number of divorced people nearing retirement age may find themselves scrambling to solidify their finances as they approach their golden years.Three out of four older divorced people need a better understanding of how to manage their personal finances. While men and women are equally as likely to break good spending habits after divorce, women are more likely than men to take steps to regain their financial health.That's not all, financial planners report their female clients are twice as likely to seek out financial advice after a divorce, find a job, and increase their savings toward retirement. A lack of financial understanding that becomes evident during a divorce illustrates the importance of good financial practices when couples are married. Financial planners participating in the survey said the following steps would have helped their clients who are near retirement age be better prepared for divorce:Understanding how to manage personal finances (76%).Understanding the long-term financial planning consequences of a divorce settlement (73%).Understanding the tax implications of a divorce settlement (57%).Updating wills or trusts (51%).Increasing saving for retirement (51%).Just over one-third (36%) of planners said establishing a prenuptial agreement would have better prepared their clients financially for divorce. There are three components to a divorce—legal, financial, and emotional. The legal aspects of a divorce are complicated, and the emotional upheaval is huge. The financial aspect is challenging because at least one partner may not have a good understanding of the family finances, including retirement savings.Learn about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG 

One of the first things you should do if you receive a summons from the court is to address it. You should respond to a court summons for credit card debt by first trying to settle the issue with your creditor and then by fighting the lawsuit in court if you're unable to come to an agreement. The worst thing you can do is ignore the summons. If you don't know why you received a court summons for credit card debt, contact the debt collector that filed suit and ask for documentation proving you owe the amount in question. The court system relies on evidence, to ensure you owe the debt and or make sure it belongs to you and not someone else. This will give you more information to go on, and if the debt collector doesn't have the necessary paperwork, the suit could go away. Things to do if you receive a summons:Don't ignore itTry to work things outAnswer the summonsConsult an attorneyGo to courtRespond to the rulingThe number one problem people are facing today is the economy and financial challenges. Remember you are not alone, the best thing to do is to face the facts, address the court summons and over time you will be made financially whole again. This information will help you overcome a court summons, and move forward knowing you will and can do this.Learn about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG

The Great Recession that took place in 2007-2009 was more devasting than any time in American history. Home foreclosures are lower than they've been in nearly a decade. While that's certainly reassuring, the U.S. is still averaging more than one million foreclosures each year. In 2021, the share of housing units with a foreclosure filing was 0.11 percent. Foreclosure results when a homeowner fails to pay their mortgage payments on time, so the lender evicts them from a said property and takes control of it. The foreclosure rate reached its peak in 2010, just after the financial crisis of 2007-2009. Since then, the rate has steadily fallen. As the coronavirus (COVID-19) unfolded, the government imposed a foreclosure moratorium, a mortgage forbearance program, and mortgage servicing guidelines which was the reason for the low rates recorded in 2020 and 2021.If you're the owner of a property that's facing the prospect of foreclosure, it's critically important to take immediate action to rectify the situation. Ignoring the situation - or reacting too late - is the worst possible course of action. Banks do not want you to default on your house, so workarounds are provided, thus it is important to open up lines of communication with your lender.If you miss mortgage payments over a 90-day and or three-month period of time, you will be receiving notices from your lender, do not ignore the information you receive. Reach out to your lender, contact a counselor at the Department of Housing and Urban Development and work out a loan modification, repayment, and or refinance your property.Facing a foreclosure is one of the most difficult experiences any homeowner can endure. By taking early action to address the situation, you can put yourself in the best possible position to save your home - or at least walk away with minimal damage to your credit score.Discover more about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG

Are you stressed or overwhelmed with your business finances? April is National Financial Literacy Month, therefore a great time to discuss the importance of having a positive relationship with money. Learn where your attention needs to be focused when it comes to your business finances. Set yourself up for financial success as an entrepreneur with guidance from my guests, Leah Hadley and Shea Newton.   Leah Hadley runs Great Lakes Investment Management and is also the founder of Great Lakes Divorce Financial Services. She is an accredited Financial Counselor, a Certified Divorce Financial Analyst, and she's the Master Analyst for Financial Forensics.    Shea Newton is a Certified Financial Planner and the owner of Financial Journey, LLC.   This episode is for you if you want to learn:   The history and origin of National Financial Literacy Month The 6 main categories of financial literacy How to have a healthy relationship with money What it really means to be financially literate in your business Money mindset vs. financial literacy Top money mistakes that entrepreneurs make 5 things you can do to have a better time at tax time The importance of understanding your taxes and evaluating after each quarter     Watch the Rita Goodroe Show!   Selling in the DMs: The Masterclass How to sell your services in the DMs with confidence (so you can turn connections into sales)!   Join me in my FREE private Facebook community, the All-In Entrepreneur.   Connect with me on Instagram!

Learn about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperGMake no mistake about it, money problems and mental health issues are intrinsically linked. Research from the 2008 great recession and COVID-19 reflect the link between finances and mental health.According to the Money and Mental Health Policy Institute¹, poor finances often lead to stress and anxiety that can further impact finances.Facts: 46 percent of people with debt also have a mental health diagnosis86 percent of people with mental health issues and debt say that their debt makes their mental health issues worsePeople with depression and debt are 4.2 more likely to still have debt at 18-months compared to their counterparts without debtThose with debt are three times more likely to contemplate suicide due to that debtThe Cycle:Mental health problems make it harder to earn, manage money and spending, and to ask for help.Financial difficultyFinancial difficulty causes stress and anxiety, made worst by collections activity or going without essentialsMental health  problemsThis cycle repeats itself over and over againAmericans suffer from financial stress. A Harris Poll conducted in the early months of the COVID-19 pandemic showed that 90 percent of Americans felt financial stress.  Note that financial stress is not limited to hard economic times, such as the fallout from a pandemic.a Northwestern Mutual study found that 44 percent of Americans stated that financial concerns were their number one stressor, with more than one in four feeling depressed about finances at least monthly and two out of ten feeling depressed weekly, daily, or hourly.Continuous financial stress wreaks havoc with mental health. On the Mayo Clinic's website5, the list of mental health issues due to stress includes:AnxietyDepressionFatigueSleeplessnessThe American Psychological Association (APA)6 found that stress can lead to unhealthy habits, including excessive drinking and drug use.Continuous financial stress wreaks havoc with mental health. On the Mayo Clinic's website5, the list of mental health issues due to stress includes:AnxietyDepressionFatigueSleeplessnessThe American Psychological Association (APA)6 found that stress can lead to unhealthy habits, including excessive drinking and drug use.Financial stress can impact employers too. That is because financial stress manifests itself in a variety of ways in the workplace, such as7:Daily tasks going unfinishedLower quality workPoorer relationships with co-workersIndications that an employee is seeking other employmentWhen this happens, employers suffer increased costs from absenteeism, presenteeism, high turnover, high healthcare costs, more on-the-job accidents, less participation in 401(k) benefits, and more.According to Salary Finance8, these issues related to financial stress cost businesses about $3,000 per employee per year. With a financial wellness program created specifically for your employees and their individualized needs, employers can help lessen employee financial stress and improve mental health by providing ways to learn important financial management skills and behaviors.

Great, big, small — we're the bank that has your back.

April is National Financial Literacy Month and this episode is all about financial wellness! In this conversation we explore resources and programs offered to students at UCLA, discuss tips and tricks for building sound financial practices and learn how building financial skills in college can set students up for long-term success. Our guests are Sara Potter-Gittelson, director of the UCLA Financial Wellness Program; Karl Gerstenacker, financial advisor with Wescom Financial Services; and David “D.J.” Jabczenski, director of Investment Services for Wescom. Show Notes: UCLA Financial Wellness Program: https://financialwellness.ucla.edu/ Wescom UCLA Webpage: ucla.wescom.org Ackerman Student Union: https://www.asucla.ucla.edu/student-union-services Student Loan Services: https://loans.ucla.edu/ Financial Aid and Scholarships: https://financialaid.ucla.edu/ Scholarship Resource Center: https://www.scholarshipcenter.ucla.edu/ Economic Crisis Response Team: https://studentincrisis.ucla.edu/economic-crisis-response Basic Needs: https://basicneeds.ucla.edu/ UCLA CalFresh Initiative: https://basicneeds.ucla.edu/services/calfresh The Millionaire Next Door (book): https://themillionairenextdoor.com/

Learn about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperGLike many things in life if you do not study, research, or experience things, it can be intimidating and yes, experience is the best teacher. Investing in stocks can be intimidating if you have never done it before and do not expect overnight success when it comes to investing in the stock market.One must be risk-averse when it comes to investing in the stock market. But you will most certainly know people who've become incredibly prosperous, or even rich, by doing it but they likely did so over the course of the long run.You will never increase and grow your money by keeping it in a savings account, money responds to movement in the stock market, it is dynamic and if you want to outpace inflation you will need investments that yield more than inflation rates during this inflationary cycle.Different Types of Stock Investment Platforms:Online Brokers/Apps people can use (discount brokers)Traditional Investment Advisors (investment management professionals)Robo-Advisors (similar to investment management professional/less fees)Hire a financial advisor and stockbroker, brokerage firm to assist you with investing in the stock market:You have a choice to make, perhaps start with a robo-advisor since they spread your money across several different ETFs, then provide full portfolio management for you. All you need to do is fund your account.If you are new to investing in the stock market, after starting out with a robo-advisor, consider starting an account with an online broker. The idea is to use the robo-advisor as your primary investment vehicle, while gradually transitioning into self-directed investing.Give consideration to splitting your investments between a taxable brokerage account, and a tax-sheltered account. The taxable account can be used to invest for intermediate goals, like purchasing a house. The retirement account provides tax-deferred investment income, that will enable your portfolio to grow more quickly.It is important to keep debt to a minimum. Why? The interest you pay on debt is often higher than what you can earn on your investments. It will do little good to invest money at 10%, while you're paying 20% or more on credit cards. Work to become debt-free. 

The Basics of Retirement: Contact a financial advisor, speak with the human resource representative, and work with an investment firm, CPA, and or attorney that specializes in retirement and investing. The items covered below entail parts of retirement instruments, however, there are more.You can never start too young, the sooner you start planning for retirement the better.Do not allow the terms associated with retirement to confuse you.Know that social security as we know it today will not be the same in the future, unless changes are made it might not exist.Consider a 401K plan.Consider an IRA.Simplicity is the key to investing, do your homework and self-study to learn as much as you can about investing.The younger you are as an investor, the more aggressive you can be.If you don't understand investment issues, ask for help, contact the professionalsThrough it all, the key is to invest for your retirement, ask a professional and if your financial advisor doesn't help you, get a new one. What is most important is that you control your retirement destiny, not your financial advisor. Learn about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG 

Zero to Millions. The host for this show is Chanda Park. The guest is Rayann Echavez. Chanda & Rayann discuss true life events regarding lack of financial education and what it cost families. The ThinkTech YouTube Playlist for this show is https://www.youtube.com/playlist?list=PLQpkwcNJny6nZL7jFpSvzQ2VL3GvCmsD- Please visit our ThinkTech website at https://thinktechhawaii.com and see our Think Tech Advisories at https://thinktechadvisories.blogspot.com.

One can say the difference between an individual and or family with insurance and those that don't are like night and day, because of the bottom line on your financial standing. Paul shares insight on the difference between term insurance and whole life insurance and the difference it can make for your life and family.What is term life insurance? Term Insurance covers you for a set period of time or term, anywhere from5 to 30 years, as long as you pay premiums, this is key. If you die during that term, your beneficiaries receive the payment amount of a $25k and or $100k term policy. If you're alive when the policy expires, the insurance coverage ends. You no longer pay premiums and you don't receive any payout from the insurance company. A convertible term policy allows you to switch to a whole life policy when your term insurance ends, but your premium will rise as a result of your age and health at the time. What is whole life insurance? Whole Life Insurance covers you for your entire life and pays the insurance amount to your beneficiaries. Varieties of whole life insurance include straight life, universal life, variable life, and variable/universal life. Talk to CPA or an insurance professional for more details. Unlike a term life policy, whole life policies feature an investment element. Your insurance premiums include not only the cost of the insurance but also an additional amount that is invested and that grows tax-deferred over the life of the policy. You can borrow against this amount and any loans are deducted from the benefit your beneficiaries receive when you die.  A few questions you must address prior to getting an insurance policy:1. How much does it cost? The monthly premiums for a term life insurance policy are generally lower than for a whole life policy. One concern, though, is that if you want a new term life policy when the old one expires, you may have to pay more. That's because life insurance premiums are based at least in part on your age and health. For example, let's say you buy a 30-year term life policy when you are 30 and the term expires when you are 60. If you decide to get another policy you will pay more because you will be a higher risk from an insurance  standpoint.2. What are your goals? If you would like to use insurance to give your heirs a certain amount when you die, whole life is the most reliable option. Remember, though, that insurance is not your only investment choice and that you may get better returns from another investment vehicle, such as stocks and bonds or a wide range of other investments.3. How should you choose your insurance company? Companies like A.M. Best, Fitch Ratings, Moody's Investors Service and Standard & Poor's Ratings Services rate insurance companies based on their financial stability. These ratings can be found online. You can also turn to your state insurance company for information on complaints against different insurance companies. The bottom line is that it is better to have life insurance in your portfolio. Talk to an insurance professional about this to get even more insight as it pertains to your unique situation.Learn about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG                         

April is National Financial Literacy Month in the USA.  It was first recognized in April 2004. to highlight the importance of being financially literate and to help people understand how they can be financially smart, Jamesa Evans and Antwanette Crutcher- two corporate finance leaders – and co-founders of Level Up Investors Club, talk with Dr. Sylvia about financial literacy and share some tips on how we can be money smart and financially Savvy.

Money leaks are expenses that eat away at your bank account unless you pay close attention to them. A dollar here and a dollar or two there will add up quickly, especially if you do not pay close attention to your bank statements and credit cards.While you might not think much of the few dollars you spend every month on take-out or streaming services, these expenses can add up to hundreds or thousands of dollars per year.Money Leaks:Name Brands: Are not always worth the price. For many types of products, particularly cosmetics, clothes, and prescription drugs, generic or off-brand products offer the same quality at a fraction of the price.Clothes: Opting for smaller known brands that produce high-quality, durable clothing means that you'll spend less on clothes in the long-term, and you won't have to sacrifice looks in the process.Cosmetics: Low-quality products with harmful ingredients may cause negative side effects like allergic reactions, breakouts, and more.Prescription Drugs: By opting for generic prescription drugs, which are typically the exact same as the name-brand versions, you could save thousands of dollars per year.TV Services: Compared to streaming services, cable TV costs are pretty high — and they're getting even higher. By switching to a streaming service or an online cable provider, you can save on your monthly cable bill without missing out on your favorite shows.Takeout or Drive Through Foods: US residents from ages 35 to 44 spent an average of $4,429 on take-out, while people ages 25 to 34, spent an average of $3,416. To save on take-out costs, you should make an effort to plan meals and cook more often at home. Skip the take-out lunch breaks and reserve eating out for special occasions.Convenience Store Purchases/Gas Station Purchases: Small purchases from convenience stores and gas stations can easily be eliminated and save you a significant amount of money in the long run.There are many more money leaks to mention, however, these help you better understand the depth to which you may have these expenses tugging at your purse strings, and or wallet. Check your bank and credit card statements and start closing accounts, modifying your account plans, and saving the difference. Recommend this episode to your family, friends, and colleagues.Learn about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG

 It is interesting to discover, one in three Americans delayed a major purchase decision due to financial woes. A recent study reflects that over one third of Americans have postponed a major life purchase decision due to money. The fact of the matter is, it is actually an improvement over a 2015 study, which reports more than half of Americans reported delaying a decision.If you are an American, work to avoid letting money slip through your fingers. Late fees and overdraft charges combined with costs that come with fraud total up to an average of nearly $600. Just imagine what could do with an extra $600 do for you each year.Note that as of 2020, twenty one percent (21%) of American households have no money set aside for emergencies. This can spell financial disaster. But building an emergency fund is no easy task. Many people feel pulled in so many directions.Four out of five parents, wish they learned more about money as a child. The vast majority was really clear about one thing: they wish they knew more about finances when they were younger. Of course, we know  hindsight is  20/20. Rather than spend time fretting over what you wish you learned sooner, commit to learning even more about money now...and take your kids along for the ride. Many parents admitted that they don't always feel confident having money conversations with kids. Pushing for a financial literacy curriculum and conversations in schools can help. Nothing replaces learning about money at home, so set aside some time and have money talks with your children.Overall we can all do better when it comes to our finances. These survey results represent a baseline in which you can measure where you are on your financial journey and work to master your finances.Learn about Paul Lawrence Vann's digital Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG  

On today's episode, Jim Woods returns for Season 16 and National Financial Literacy Month   You'll Learn:   What caused first quarter volatility and last month's rebound.   What the numbers did for Q1 and what that means for your money.   The surprise from the S&P Commodities Index.   Will rate hikes from the Fed change this year.   How much time do we have before we feel the effects of inflation seeping in.   Jim's financial literacy tips...   And so much more!   If you are experiencing financial challenges this year, DM Heather in IG or FB @unlockyourwealth for a complimentary discovery session to explore a new path for you financially.     Remember to bookmark this show and share it in your stories, feed, or timeline on social media. The late Jim Rohn says you are an average of the top 5 people you hang around with so help them achieve financial freedom along with you!   DM Heather on IG/FB @UnlockYourWealth to claim your free Affordability checklist to assess your finances and create your plan for homeownership/real estate investment.     Welcome to our sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme   Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Grab Heather's 9-page Financial Fire Escape Plan Checklist© for free by visiting CrackingYourMoneyCode.com   Learn More with Resource Links:   Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/   You can DM the show and directly ask questions!     Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com   Jim Woods Links:   JimWoodsInvesting.com   Bullseye Stock Trader   Eagle Eye Opener   Fast Money Alert   WayOfTheRenaissanceMan.com

The largest purchase most people ever make is a house. Today it is tougher to purchase a house because of the remnants of the pandemic, the inflationary cycle, the great resignation, and the war in Ukraine.Unfortunately, more and more people find themselves forced to put off this purchase. Student loan debt, underemployment, rising home prices, and stringent mortgage standards prevent people from buying their own homes until later in life.Ensure you have your paperwork in order, for example, ensure you calculate all costs and leave some savings untouched for after you have purchased a house. Ensure you add expenses such as taxes, insurance costs, emergencies, and necessary repairs, such as a new roof, basement repairs, remodel a basement, and more.The process of purchasing a house can be a long and drown out process, demanding most people to build up their credit scores, save up for a down payment, commit to a stable job location, earn an income that qualifies for a large enough mortgage, choose a good realtor, find a suitable place to live, find a home inspector than have an offer accepted.Home Ownership in the United States The average home buyer searches 10 weeks and views 10 homes.The median price of a single-family home in 2018 was $261,600.The average price of a new single-family home in 2018 was $299,400.In April of 2014, homeownership for all ages fell to 64.8 percent, the lowest it's been since 1995.Homeownership is not going to be affordable for everyone, however, there are other ways to purchase real estate. Tune in and listen, thank you.Learn about Paul Lawrence Vann's virtual Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG 

The spring of the year is the time frame when high school students and their families work to see what college admits them for attendance. Students apply for the Free Application for Federal Student Aid (FAFSA) form in the United States to determine their eligibility for student financial aid. Once the FAFSA form has been processed, students receive a synopsis of the financial aid that is available to them.in support of attending a post-secondary educational institution in the United States. This funding is used to assist in covering the many costs incurred in the pursuit of post-secondary education. Financial aid is available from federal and state governments, educational institutions, and private organizations. It can be awarded in the form of grants, loans, work-study, and scholarships. Facts: 40 million Americans have at least one outstanding student loan.Americans owe more than $1.75 trillion in student loans, making up 6 percent of the total national debt.The average borrower graduates from college owing $39,300.In addition to signing the promissory note for student loans, take the time to examine exactly when your first payment will be due and how much it will be. When the time to start paying comes, you have options for repayment. The Federal government offers longer-term payment plans as well as graduated repayment options which allow you to bulk up your income and get some job experience under your belt before making larger monthly payments.During certain seasons of life, your income may be severely limited, and affording student loan payments just isn't possible. Fortunately, loan servicers are aware that situations like this occur and have precautions in place to help students get through these difficult times. The bottom line for students with student loan debt is to work closely with the loan servicers and work out terms for repayment, transparency is everything.Learn about Paul Lawrence Vann's virtual Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG 

An assumption is made when it comes to credit cards and it is this, everyone knows about credit cards. If this were the case people would use them more judiciously and they would not have the massive credit card debt they have. All people do not have credit cards or plastic cards. Credit cards provide people with the ability to purchase large, unexpensive purchases and more expensive items and they do not have to immediately pay back the purchases and it does not come out of the bank account. Credit cards also help people build their credit history. The annual percentage rate (APR) is the amount of interest that you'll owe the credit card issuer on any unpaid balance. You'll want to pay close attention to this number when you apply for a credit card.Debit card purchases result in money coming directly out of your bank account and it does not build your credit history. Debit cards provide a good start for people just starting out managing their credit. You can't borrow money with debit cards.Ensure you recommend this episode to you your family, friends, and colleagues. Please rate and review episode 220 on Apple Podcasts and be so gracious to provide us with a five-star rating.Learn about Paul Lawrence Vann's virtual Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG  

It's National Financial Literacy Month, but on the latest episode of the ABA Banking Journal Podcast — sponsored by IntraFi Network — Matthew Hennessey digs into the literacy that undergirds financial literacy: the basics of economic decision-making, from prices and markets to preferences and specialization. “The main lesson at the heart of economics is that life is about tradeoffs and that economics is about choice,” Hennessey says. “When we make a choice, it almost always means we're giving something up that we value.” In the newly released book Visible Hand, Hennessey — deputy op-ed editor at the Wall Street Journal — illuminates these concepts in a self-described “avuncular” style designed to help average Americans understand how they make economic decisions every day and to appreciate the free enterprise system that lays atop those decisions. This episode is sponsored by IntraFi Network.

To highlight the importance of financial literacy, National Financial Literacy Month is observed each April. Because of the dire state of financial literacy, the United States Senate passed a resolution in 2003 officially designating April as Financial Literacy Month. Financial Literacy Month evolved from Youth Financial Literacy Day, introduced by the National Endowment for Financial Education. What is financial literacy? There are many definitions. But perhaps the most concise is from the President's Advisory Council on Financial Literacy: “The ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial wellbeing.” This year is significant...Article Link

For some generations investing in cryptocurrency is the unknown, in others the older generations hold to tradition when it comes to investing thus stocks, bonds, mutual funds, and its a wrap.Generation Z and Generation X invest in cryptocurrency and include it in their retirement strategy. All generational groups continue working to understand the basics of personal finance, thinking about retirement, and investing in crypto. Note that each generation learn differently. 57% U.S. adults are invested, but just 1 in 3 say they have advanced investing knowledge.About half of the surveyed adults feel they have a deep understanding of consuming (managing spending and keeping a budget), paying taxes, and saving.Cryptocurrency and stocks are the most popular assets held by Gen Z, Millennial, and Gen X investors, but overall, many Americans (49%) have only a beginner-level understanding of digital currency.More than half of each generation expects to retire, and 28% of millennials expect to use cryptocurrency to financially support themselves in retirement, and some Gen X and Gen Z respondents said the same (20% and 17%, respectively).The internet is a go-to source for investing and financial education for the young generations: 45% of Gen Z use YouTube, and 30% turn to TikTok. Millennials prefer internet searches (47%), but also lean on YouTube (40%).While about half of Americans feel they have a strong grasp of financial literacy basics, such as spending, budgeting, paying taxes, and saving, far fewer have the same level of understanding when it comes to investing and digital currency. Americans are least educated about digital currency and investing, however, every generation holds cryptocurrency in its portfolio. The following financial skills you need to learn today:How to save for retirementHow to build or improve your credit scoreHow to reduce debtHow to avoid feeshow to plan for financial riskIn essence, no matter what generation you are in you are a part of your financial knowledge is essential to navigating life.  Investing in stocks, bonds, and mutual funds will remain a constant, however digital wallets are not only the future but today as well. Encourage your family, friends, and colleagues to listen to episode #219, it provides a good synopsis of generational investing and who invests in cryptocurrency and other virtual wallets.Learn about Paul Lawrence Vann's virtual Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG 

First of all, the financial wherewithal of youth is very important because it is a forecast of future financial decisions and the results from them. Thousands of high school students were surveyed about their preparedness for the kind of financial decisions and tasks that adulthood requires. As students draw closer to their transition to adulthood, the survey reports consistently low levels of readiness to take on financial tasks from evaluating financial products to establishing and maintaining credit to understanding how to pay for college. These results are not surprising considering financial literacy is not mandatory in K-12 or college.So exactly what are financial skills? Financial skills are knowing how to find, process, and take action based on the information and having confidence in one's ability to reach financial goals. Skill and confidence play an important role in building financial well-being, the low levels of preparedness among young people could be a sign of trouble as students finish high school and move toward financial independence.Understand that prior to taking part in financial education, less than a third of high school juniors and seniors reported that they felt prepared to compare financial institutions and select one that best meets their needs. Slightly more students but still less than half felt they could select, open, and manage a savings or checking account. Young people also reported low levels of confidence in their ability to establish financial habits that contribute to long-term financial well-being: budgeting and managing credit. Half of juniors and seniors said they were “prepared” or “very prepared” to set up and follow a budget, while just a third (32%) felt they could check their credit and maintain good credit over time. The skills of budgeting and managing credit are essential as young people move toward financial independence. The decisions they make in the next one to two years begin to carry consequences that can last much longer, directly impacting their lifetime financial well-being.Other important aspects for youth include the ever-changing banking system which is more virtual than ever before, and  navigating the process of applying for college and financial aid for two-year and or four-year colleges. The bottom line is this, youth of today need to be financially literate, and the sooner they discover how to the better. I have confidence in our youth, they will find a way to become financial literate and when they do, we will have a stronger economy, and  country.

Paul Lawrence Vann provides an insight into investing in the stock market. Continue working and focusing on paying off your debts because it will allow you to not only invest in stock but being able to invest even more. One of the first things you should do is research investing in stocks, and how to find a stockbroker, an investment firm, accountant, and or lawyer.It is important to learn about investing in stock by reading books, talking to a stockbroker, obtain a referral for a professional if you do not want to go it alone. Decide what to invest in and how much to invest by understanding the risks (and potential rewards) of different types of investments. So what is the stock market?Glad you asked. It refers to the collection of markets and exchanges where stock buying and selling takes place. Ready to distinguish the different markets? The terms “stock market” and “stock exchange” are considered to be the same. And even though it's called a stock market, other financial securities —such as exchange-traded funds (ETFs), corporate bonds, and derivatives-based stocks, commodities, currencies, and bonds—are also traded in the stock markets.What should you invest in?This is a decision you must make if you go it alone, this is why you should find a stockbroker and investment firm. Consider some of the following:StocksETF'sBondsMutual FundsThe bottom line is this. stocks like all investments have risk. If you are risk-averse and do not plan to invest for the long run, investing in stocks may not be for you.  If you want to invest in stocks conduct your due diligence and work with a stockbroker, financial advisor, and or an investment firm.Learn about Paul Lawrence Vann's virtual Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG 

Americans have a lot of debt, mostly through the use of credit cards, mortgages, student loan debt, and more. Most of us use credits and owe money for some things we do not even use anymore. Sadly, we as a country of 340 million people owe too much.The average U.S. household owes $7,281 on credit cards. When we add in a mortgage, car payments, and student loans it's easy to see how you, like so many others, can get stuck in overwhelm with debt mode. In total, American consumers owe $11.83 trillion in debt, according to the Federal Reserve Bank of New York.U.S. Consumer Debt Totals:Mortgage balances totaling $9.71 trillionNewly originated auto loans of $150 billionCumulative student loan balances of $1.54 trillionTotal Debt Balance and Its CompositionMortgage 68%Student Loans 11%  $1.54 trillionAuto Loans 9%   Newly originated auto loans $150 billionCredit Cards 6%Steps That Lead to Getting Out of Debt1. One must understand how much they owe and how much they can afford to pay off each month.2. Make a plan to focus on debt reduction.3. Break the debt cycle, and start today.4. Establish new habits.5. Pay off your debts, and start saving money.The profile above represents a small sample of the debts people have and it lets us all know we have a lot of work ahead of us to become debt-free. The reality is this, one must work harder to live within their means in this inflationary cycle we are in and carve out the best lifestyle we can for ourselves, while not trying to live like the Joneses. Learn about Paul Lawrence Vann's virtual Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG  

Kristina Ellis is a best-selling author who believes no student should be burdened by student loans. She has helped thousands of students earn a debt-free education by sharing practical wisdom from her personal experience of earning over $500k in college scholarships. Follow Kristina on Twitter, Instagram, and Facebook. April is National Financial Literacy Month! Ramsey Solutions is celebrating with our Teacher Appreciation Giveaway, sponsored by Borrowed Future, LLC. Starting April 1, teachers can go to KristinaEllis.com/Teacher for a chance to win some incredible prizes. We will have two $5,000 winners and three $1,000 winners. Giveaway ends April 30 --- Send in a voice message: https://anchor.fm/cj-reynolds5/message

When it comes to pillars it is defined as firm upright support for a superstructure, for the purposes of this episode it is personal finance. Everyone has four basic components in their financial structure: assets, debts, income, and expenses. Measuring and comparing these can help you determine the state of your finances and your current net worth. You can think of them as the vital signs of your financial circumstances. When they are all in balance and working for you, your vitals are strong. When things get off-kilter, like your liabilities being off the charts, your finances may need some CPR to set them right.So let us delve into the four pillars of personal finance.Assets:Assets are items that you own and that have value that can be turned into cash when needed. Assets include cash in your personal checking or savings account, whole life insurance policies, 401k's, investments, land, equity in your home, valuable jewelry, and even antique fine china. The key to an asset is its ability to be converted to liquid cash within a short period of time. Your vinyl record collection may be the envy of all your friends, but if you cannot convert it to liquid cash when you need it, then it cannot be considered an asset.Debts:Debts are the accounting opposite of assets and include all accounts payable. Things like your mortgage, student loans, car loans, credit card balances, taxes owed, bills due, and money you owe others for services are all considered liabilities. In addition, accrued interest and principal on mortgages and other loans are liabilities as well. Remember, interest rates are an indicator of the cost of carrying debt, and tend to be negatively correlated with one's credit score: the lower the credit score, the higher the interest rate.Income:Income is all the money you generate. It also includes interest and dividends you make on your investments. Tax refunds also qualify as income. For those under age 65, take-home pay usually constitutes the majority of income. Retirees and those over 65 gain most of their income from investments, Social Security, or pensions. When taking stock of your income, be sure to include benefits that reduce your expenses, such as employer-provided health insurance, or that increase your assets, such as 401K programs.Expenses:Expenses, or outflow, is all the money you spend. To gain an accurate total of expenses, it is important to establish a budget and to keep track of every penny spent. Keeping track of expenses is more challenging than keeping up with income because of the sheer number of different expenses.If you have made an assessment of your pillars of finance, assets, liabilities, income, and expenses, what are your financial vital signs? Are you in a good space from a pillar of personal finance perspective and are you ready for valuable guidance on saving and investing for your future? Or are things looking a little rocky and in need of some help increasing assets, decreasing liabilities, and getting your income and expenses in better balance? Whatever space you happen to be in at this time, know that we are all a work in process.Learn about Paul Lawrence Vann's virtual Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG 

Banking is important because as employees and or entrepreneurs, you need a place to put your money. Once while working in support of the Governor of Maryland on a financial working group, we were tasked with assisting immigrants that live and work in the state of Maryland.Many of the immigrants had never had a bank account, so we ensured we provided oversight for them to open a bank account. Some of the immigrants didn't have a bank account in the country they left, they simply didn't trust putting their hard-earned money in a bank. Banks include credit unions and thrifts. A bank is a business that offers you a safe place to keep your money and uses your deposits to make loans. This business is also called a financial institution. Many people keep their money in banks. Let's take a look at some reasons why you might want to keep your money in a bank. • Safety – Money is safe from theft, loss, and fire. • Convenience – You can get money quickly and easily. Using direct deposit, for example, saves you time and allows you quicker access to your money. Funds that are electronically deposited in your account are available sooner than if you deposited a check. We will talk more about direct deposit later. • Cost – Using a bank is probably cheaper than using other businesses to cash your check. • Security – The Federal Deposit Insurance Corporation (FDIC) insures deposits up to the maximum amount allowed by law. This means that if for some reason a bank closes and cannot give its customers the money they had in the bank, the FDIC will return the money to the customers.Opening and maintaining a bank account is not as difficult as you might think. There are four basic things you have to do: • Open the account and go through account verification. • Make deposits and withdrawals. • Record interest and fees. • Keep track of your balance. Banks provide additional services with some deposit accounts. Some banks charge a fee for these services. It is important to keep track of the fees charged if any. The following are common services that banks offer:• Direct deposit • Money order • Telephone and online banking • Automated Teller Machine (ATM) • Money transfer • Debit card • Stored value cards • LoansGet to know these important bank employees: • Customer service representative • Teller • Loan officer • Branch managerBanking is important because it is not wise to walk around with large amounts of cash on your person. Neither is it wish to have large amounts of money at your house. The bottom line is this if you plan on purchasing a house, car, and or investing in a business you will need a bank account, thus the relationships you have with your bank is very important. Learn about Paul Lawrence Vann's virtual Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG

In this episode of the Balance Boldly Podcast, we are at the top of April! Did you know it is National Financial Literacy Month and you probably knew that it was stress Awareness Month as well, and the two go hand in hand on purpose because finances can make you stressed out depending on what's going on in your life, which is why we have the blessing, privilege, and benefit of having the amazing Tara Jones-Williamson, a well-known financial success coach and lifestyle designer, dedicated to helping women slay their financial and lifestyle goals. What you will learnHow to create a financial plan that helps you execute your financial goals in half the timeTo know that the way you manage your finances leathers intentional or unintentional influences your life.Tips about how do you start creating wealth for the next generation.How do you go from choosing wrong to choosing right financially speaking More about Tara Jones-WilliamsonToday, she is newly married and mothering 3 wonderful children! When she is not coaching, speaking, or mommying, you can find her laying down on her green velvet couch surrounded by her plant babies (#plantmom), eating popcorn while binge-watching a good Netflix series!Contact Tara Jones-WilliamsonYouTube InstagramFacebookSubscribe, REVIEW, Share & Balance BoldlyOn the Balance Boldly Podcast, host Naketa Ren Thigpen talks with ambitious women in business (and a few brave men) from a wide array of industries about their pursuit of success, how they face business burnout, navigate relationship hurdles, and what overall work/life balance looks like for them. Not your conventional personal development podcast, Balance Boldly uncovers real solutions to real problems afflicting real people at home and in the workplace, daily.If you enjoyed this episode, head over to Apple Podcasts, Spotify, iHeart Radio, or your favorite podcast app to subscribe to the show and leave your honest review.If you want to dive deeper into personal development topics shared on the BBP (Balance Boldly Podcast) and get the “how-to” for implementing and infusing these tools, connect on LinkedIn so you get notifications for the Live Fully LinkedIn LIVESTREAMS held every Wednesday at 12pm EST (as long as I'm not selfishly vacationing and intentionally refueling)

Before delving into how to improve your financial literacy now, assess where you stand financially. Here are a few things to consider prior to locking in ways to improve your financial literacy:1. Do you know how to create a personal budget?2. Do you have an emergency fund that covers at least three months of basic living expenses? 3. Do you have a plan for retirement?4. If you have debt, do you have a plan to pay it off? 5. Do you know your credit score and how to improve it?Paul requests that you answer the questions above for yourself and work to improve each one for yourself. Answering the questions above will put you light years ahead in improving your financial literacy.Here are a few things you can do right now to improve your financial literacy:Create a monthly personal budgetStart an emergency fundMake a plan for retirementMake a plan to get out of debtDetermine your credit score and improve on itThank you for listening to this episode because it truly helps you establish a financial foundation for today and  in the future. There will be more on day seven so return for another episode in support of financial literacy tomorrow and the rest of this week.Learn about Paul Lawrence Vann's virtual Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG

Every year Financial Literacy Month is celebrated in April. Financial Literacy Month is not only a celebration but is a challenge. This is your opportunity to review your finances and gradually improve them over time. Components of financial literacy:There are several components of financial literacy, which includeearningspendingsavinginvestingborrowingprotectingFinancial literacy consists of the ability to effectively use financial skills, it includes personal financial management, investing, and budgeting.The primary variables of financial literacy include:genderageoccupationmarital statuseducation level of an individualincome.Facts about financial literacy:In the U.S. 1 out of every 5 people lack basic skills of financial literacyTwenty percent of women show basic skills of basic financial literacy, men demonstrated forty-seven percent of financial literacyFifty-four percent of student loan debt holders did not know about the requirement to pay the loans back.Only 20% of adults in the U.S. have received financial educationWomen save 68% for every dollar a man saves for retirementBetter understand the wage inequality between women and men and how this needs to be changed. Insight into the components and facts pertaining to financial literacy.  By the way, Learn about Paul Lawrence Vann's virtual Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG

April is National Financial Literacy Month and in this week's episode, Julien and Kiersten Saunders (@richandregular) kick it off with an explainer of a few common business structures. If you're an experienced business owner or just thinking about dipping your toe into the world of entrepreneurship, one of the first tasks you have to do is pick a business structure. It's easy to get confused, but once you're clear on the advantages and disadvantages of the most common ones, you can start to determine which is best for your particular business model. Full show notes and resources can be found here: www.richandregular.com/e52shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It's completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.

April is National Financial Literacy Month and in this week's episode, Julien and Kiersten Saunders (@richandregular) kick it off with an explainer of a few common business structures. If you're an experienced business owner or just thinking about dipping your toe into the world of entrepreneurship, one of the first tasks you have to do is pick a business structure. It's easy to get confused, but once you're clear on the advantages and disadvantages of the most common ones, you can start to determine which is best for your particular business model. Full show notes and resources can be found here: www.richandregular.com/e52shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It's completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.

April is National Financial Literacy Month and in this week's episode, Julien and Kiersten Saunders (@richandregular) kick it off with an explainer of a few common business structures. If you're an experienced business owner or just thinking about dipping your toe into the world of entrepreneurship, one of the first tasks you have to do is pick a business structure. It's easy to get confused, but once you're clear on the advantages and disadvantages of the most common ones, you can start to determine which is best for your particular business model. Full show notes and resources can be found here: www.richandregular.com/e52shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It's completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.

April is National Financial Literacy Month and in this week's episode, Julien and Kiersten Saunders (@richandregular) kick it off with an explainer of a few common business structures. If you're an experienced business owner or just thinking about dipping your toe into the world of entrepreneurship, one of the first tasks you have to do is pick a business structure. It's easy to get confused, but once you're clear on the advantages and disadvantages of the most common ones, you can start to determine which is best for your particular business model. Full show notes and resources can be found here: www.richandregular.com/e52shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It's completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.

April is National Financial Literacy Month and in this week's episode, Julien and Kiersten Saunders (@richandregular) kick it off with an explainer of a few common business structures. If you're an experienced business owner or just thinking about dipping your toe into the world of entrepreneurship, one of the first tasks you have to do is pick a business structure. It's easy to get confused, but once you're clear on the advantages and disadvantages of the most common ones, you can start to determine which is best for your particular business model. Full show notes and resources can be found here: www.richandregular.com/e52shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It's completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.

Listen, if you have never developed a financial plan, start today. I know this is a lot for some people to grasp because if you want to do what you have never done before when it comes to creating a budget, your time is now.Understand that when you develop your budget, do not include the gross amount you earn because it is not your take-home pay or what is your net income which is after taxes and other deductions. Next, I recommend you consider a 50%/30%/20% budget profile, meaning 50% is to be allocated to needs such as a mortgage, rent, and other priority items. Allocate 30% for wants such as travel, entertainment, and fun things, lastly allocate 20% for savings, emergency accounts, and investments.List your fixed expenses so you know exactly what to budget for each month such as a mortgage, rent, vehicle payments, and insurance come up with your annual payment. Calculate your variable expenses such as utilities, coffee, movies, etc.to ensure you don't pay them late and or budget to cover these expenses. Lastly, consider automating the process by using your bank or credit union online app to autopay your debts.Avoid third-party apps for bill paying, I recommend using an Excel spreadsheet or legal-size paper to set up your budget, sadly many third-party apps are fraught with advertising costs, and you can possibly be hacked. The bank or credit union will likely provide you with a free bill pay service and you will have all of your money under one roof sort of speak.Learn about Paul Lawrence Vann's virtual Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG 

The quote, "When you are in a hole, stop digging," applies to some people when it comes to being in debt. In other words, even though goods and services have increased, some people are going about their lives and not reducing their expenses, this episode speaks to this type of mindset.There are three types of expenses listeners should be aware of, these are fixed expenses, a person pays the same amount each month, think of a mortgage payment. The next is a periodic expense such as a vehicle registration that may be due every two years. Lastly, there are variable expenses which are routine expenses that are different each time you pay. All three of these expense types are impacted by inflation, mind you there is going to be six more rate increases during 2022.Fixed expenses are easy to track and include in your budget, with emphasis on expense reduction. Periodic expenses are easy to save for, thus easy to track as part of your budget. Variable expenses may require a different bank account, a stand-alone account to track and reduce over time.At some point in time, one must ask themselves if they need certain expenses or not, if not, stop and pay it off, and if yes negotiate the expense, transfer, and or manage it better.There are different options to apply that pertain to your expenses, they include: reducing, negotiating, transferring, and managing, so evaluate and assess your options. If you have an apartment negotiate your rent, reduce homeownership expenses, reduce utility expenses, reduce transportation expenses, and reduce loan and debt expenses.Given that we are in an inflationary cycle,  it is even more important to reduce expenses at every level of your life. Whether it is for housing, food, gas, and other goods and services, the time is now for expenses reductions. Day three of the National Financial Literacy Month is one of the most important episodes of this month-long series.Learn about Paul Lawrence Vann's virtual Financial Fitness course, it is being offered at a 50% discount throughout the month of April, National Financial Literacy Month, here is the link:  https://bit.ly/3dbperG

Welcome to the month of April, National Financial Literacy Month and throughout this month I will be producing podcasts to assist listeners in better understanding the importance of being financially literate. This is not all, budgeting can help you offset the inflationary cycle we are in.Here is what budgeting is all about and the assumption that everyone knows what budgeting is all about is not true. Here are just a few things to consider as you budget your money and work to navigate inflation.What is a budget?A finance plan that allocates future personal income toward expenses, savings, and debt repaymentBenefits of Budgeting:•Gives you control over your money•Keeps you focused on your financial goals•Helps you stay aware of where your money goes•Helps you save for expected and unexpected costs•Clarifies areas where you can save moneyThree main components of a budget:IncomeExpensesSavingsWhere to start developing a budget•Understand your money and how you spend it•Make tough decisions about spending priorities•Budget with a lifestyle in mind•Build a budget that allows you to saveBudgeting with a lifestyle in mindClarify the life aspects you give priority, and then split them into 3 areas:•Items that create meaning and bring you joy•Things you want, but that can wait•Things you would like to have, but aren't essentialThings to remember about budgeting•Make sure your list reflects your priorities•You can always adjust your goals as your priorities change•Budgeting takes time, patience, and effort•If your first attempts don't go as planned, don't give up•Look for ways to make tracking spending easier – like mobile appsWhat happens if you don't budget•Overspending•Falling into a debt cycle•Limited spending power•Limited savings and investments•Lack of future securityThe bottom line•Budgeting is about saving money•Better budgeting helps you end up with more money to manage•An accurate budget brings discipline and order to your finances•Use your budget to guide important decisions•Earning more than you spend is the way to a low-stress, comfortable life!When you embrace and take a consistent and committed approach to budgeting you can offset inflation. How? Change your mindset and relationship with money.  For example, instead of purchasing gas at any gas station, comparison shop for the best places to purchase gas. When it comes to purchasing food, you can also compare different grocery stores to get the best value for your money.Pay off credit card debt, interest rates are going to be increased six more times in 2022, per the Federal Reserve, so become debt-free and save money in the process. Lastly, the best way to navigate inflation is to develop a spending plan and stick to it.Discover more about Paul's virtual Financial Fitness course at this link, it is being offered at a 50% discount throughout the month of April, learn more about it at this link:  https://bit.ly/3dbperG

April brings about new opportunities and is recognized as National Financial Literacy Month for its 19th year, and there are quite a few reasons why the designation is as important as it ever has been.First things first, the pandemic is coming to a close, and know that it wreaked havoc across the globe. The loss of life has been staggering, and the financial impact of Covid-19 continues to be felt in every corner of the world.In March the Federal Reserve increased the interest rates and will do so six times in 2022. In the United States, inflation has been increasing at rates not seen in the last 40 years, with the current, and the awful Russian invasion of Ukraine escalating entire financial sectors that were already teetering. Already rising fuel and energy prices have skyrocketed overnight due to the conflict and the ban placed on Russian oil imports by the United States. Households will want to learn how to combat inflation to offset some of the adverse impacts of rising costs.We hope you will commit to increasing your own personal financial literacy. Here are a few ideas to consider:Check out and read a personal finance book from the libraryTune into one financial literacy webinar a week throughout April and share what you learned on your social media pagesRead a children's personal finance book to your kids, grandkids, nieces, or nephews.Subscribe to a new blog or podcast about a personal finance topic you either love or could use help with, start with Wealth Academy Podcast.Three Steps to Take Full Advantage of Financial Literacy MonthConnect financial education to the discipline and teaching of your childMake financial literacy the topic of your book clubAsk and research one financial question a dayHere are some reasons why Financial Literacy MattersPersonal finance remains the number one topic of arguments within a marriage.Parents rank teaching financial responsibility to their children near the top of their wish list.Only a handful of states require high school students to take a personal finance course before graduation.Poor financial literacy leads to poor decision-making which leads to poor behavior which limits the household's ability to reach its financial goals.Through it, all celebrate Financial Literacy Month by participating in events in and around the area where you live. Do not make it a one-time event, rather make financial literacy a lifestyle and enjoy the fruits of this all-important event. Have a great day.Discover more about Paul's virtual Financial Fitness course at this link, it is being offered at a 50% discount throughout the month of April, learn more about it at this link:  https://bit.ly/3dbperG

Money, Money, Money A lot of people just really don't understand what types of accounts/investments they have which makes it difficult to advise them on how to set up their estate plan to achieve their goals. April is National Financial Literacy Month. Take the time to talk to your trusted advisors (banker, insurance agent & financial advisor) to try to understand your assets. Don't be afraid to ask for help from ‘trusted' people. People spend a lot of time worrying about their finances, but don't always do something about it. Get the knowledge, then take action to make sure it is how you want it. • Recent survey by Bay Alarm Medical indicates that eight in ten Americans are very concerned that they may run out of money as they age. • More Americans are worried that they will face financial instability than they are of their spouse's death or even their own death. • Fear of financial instability is a fear we can mitigate with knowledge and action. • April is National Financial Literacy Month (per 2004 Senate resolution). • Senate's goal was to help raise public awareness regarding financial education and the consequences of not understanding personal finances. • Financial literacy: • Many Americans do not yet have the ability to understand and effectively use various financial skills such as personal financial management, budgeting, paying bills, setting financial goals and investing. • Test financial literacy on the National Financial Educators Council (NFEC) website.  30-question test called the National Financial Capability Test.  NFEC reports that of the 40,000 people who have taken this test, the average score was less than 68%, with 42% actually failing the test. • Tie into estate planning: What financial literacy has to do with estate planning, my answer would be ‘everything'. • My clients typically want to know how to achieve two goals.  First, how to protect their assets from the high cost of long-term care.  Second, how to pass their estate to their heirs without incurring unnecessary expenses or hassles.  My advice depends on what assets they have.

Welcome IMWK community!We are rounding out National Financial Literacy Month!  We've had great conversations about being 'empowered' to take control of your finances with Eva Palacios.  We've tasked ourselves with taking an inventory of our skillset to identify whether we are a 'manager' or a 'leader.'  To finish with a bang, it's only right that I brought Kenyatta Banks from the dynamic Arsenal workout program.Kenyatta takes us on a journey on how he got started with fitness.  As the story's told, it wasn't always easy, and many challenges had to be conquered, some were even life threatening.  Mr. Arsenal even covers his journey to becoming a Vegan.  Together, we analyze how finances also have an impact on our health.We go over some of the ways of how finances heavily impact your health.  Not just in the physical, but the mental as well.  Hear how Kenyatta weight in on some of theses issues, leaving us with pure motivation and a way forward.I would like to thank you for stopping by.  You can support the Arsenal movement by clicking the link below.  You can also support this show by clicking the link 'Buy Me a Coffee.'  Till' next time IMWK community!  T Lock out!Arsenal by Kenyatta:https://www.kenyattabanksarsenal.comFollow & Subscribe to Arsenal by Kenyatta:IG: https://www.instagram.com/arsenalbykenyatta/?fbclid=IwAR3XhwocbCM-6j1K8AbniYrY8qN5VfT6rZdSI_YruGgSET2kFEEfMwUIkYYYouTube:https://www.youtube.com/channel/UCu1XGQ0Zj2znOfN9zUTxSaw7 Surprising Ways Your Finances Are Affecting Your Health:https://www.self.inc/blog/how-finances-affect-your-healthFollow Us on Instagram and Facebook:@everythingtlock:https://www.instagram.com/everythingtlock/@dwgpodcast_21:https://www.instagram.com/dwgpodcast_21/Everything Flood Society:https://floodsociety.comGet your Buzzsprout on and start your podcast TODAY!https://www.buzzsprout.com/?referrer_id=1492231 Support the show (https://www.buymeacoffee.com/IMWK)

April is National Financial Literacy Month! Auntie Jeannine and Nephew Tre are passionate about financial literacy and financial freedom. In this episode, we revisit a popular interview with Brenton Harrison, of Ultra Borrowers Academy, who discusses how to avoid default and overwhelm when paying off student loans.  We cover the various types of student loans, things to consider if you need to finance multiple degrees, the impact of education loans taken out by parents, and more.  This episode is jammed packed with knowledge that will change your life and lower the default rate. Our special guest, Brenton Harrison of Ultra Borrowers Academy, specializes in helping clients pay down and eliminate student loan debt.  He has a special online program designed just for our Before 30 family and listeners.  Get the course and start eliminating your student loan debt. Author and Speaker: Brenton Harrison Company: Ultra Borrowers Academy Website:  https://www.brentonharrison.com/ Use our code to get a discount on the course. Course Discount Code: Before 30

Ashley Costello, CFP®-NCA Financial Planners spoke to Bill about April is National Financial Literacy Month - with some early financial education tips for our youngsters.

It's National Financial Literacy Month!For those of you that don't know, financial health and literacy is very dear to me.  I've seen the tribulations individuals and families endured due to lack of educated financial decisions.  Businesses wiped away as they lacked preparation for a downturn in their business.  People being denied credit as they never took the necessary steps to position themselves to leverage credit in a time of emergency.Here are some shocking stats.  According to Spendmenot.com, in America:Only 24% of Millenials demonstrate basic financial literacyThe lack of financial literacy cost Americans $415 billion in 2020Just over 70% of American's retirement plan is to keep workingThis is why I'm so excited to have my amazing guest, the 'credit boss,' Eva Palacios from Empower You!  Eva has been in the financial game for over 20 years, and you don't want to miss the gems she drops in this episode.  We cover why its important to budget, how you can bring your goals to life by having a vision board, and how credit plays a role in your financial health. Thank you for stopping by.  Don't forget to tell your friends and family about the show.  Subscribe to get the lates episodes right to your device.  'Til next time, T Lock out!For Flood Society Everything, tap in below:https://www.floodsociety.comFor the full article on financial literacy for Americans from Spendmenot.com:https://spendmenot.com/blog/personal-finance-statistics/Join the Empower You movement:https://www.evaempowers.comFollow EvaYouTube:https://www.youtube.com/channel/UCb-SRpIaAYBVJQDMGnpHFmAInstagram:https://www.instagram.com/eva_empowers/Apple Podcast:https://podcasts.apple.com/us/podcast/empoweryou-financial/id1525483908Spotify:https://open.spotify.com/show/62aygxTUFhKPVH2QWyNFHRTo get started on your Podcast journey:https://www.buzzsprout.com/?referrer_id=1492231 Support the show (https://www.buymeacoffee.com/IMWK)

April is National Financial Literacy Month! Auntie Jeannine and Nephew Tre are passionate about financial literacy and financial freedom. In this episode, we revisit a popular interview with Melody Wright, of Broke on Purpose by Faith, who can help get you on the right path by saving and having a budget. In this episode, we discuss common topics that prevent us from achieving our financial goals. Our special guest, Melody Wright of Broke on Purpose, and author of “Start Here: Your Guide To Building Your Money Management System” discusses the importance of budgeting, saving, and debt management. Melody shares how she created a plan to pay off over $100K in consumer debt in three years. Listen closely there is a special giveaway in this episode. Author and Speaker: Melody Wright Company: Broke on Purpose Website: https://livebrokeonpurpose.com/ Book: Start Here: Your Guide To Building Your Money Management System Subscribe, comment, and share.

Ramsey Solutions recognizes that teachers are among the unsung heroes of the past year. To honor their hard work, the company is launching a Teacher Appreciation Giveaway during National Financial Literacy Month in April. The giveaway is an opportunity for Ramsey Solutions to raise awareness about teaching personal finance to the next generation, while recognizing the tremendous contribution teachers make all year long. Through April 30, pre-k-12th-grade teachers can register at ramseyteachergiveaway.com for a chance to win. There will be two ,000 winners and three [post_excerpt],000 winners. For Dave Ramsey's advice on personal finances, see “Dave Says” on page 8A...Article Link

It's our favorite time of year, and I don't mean Tax Time, even though Tax Freedom day is right around the corner. Not sure what that means, then join us, because you can't miss our discussions on National Financial Literacy Month. Links and Resources: Website: Educounting Facebook: fb.com/moneywithmakng Twitter: @moneywithmakng Instagram: @moneywithmakng YouTube: Educounting

April is considered National Financial Literacy Month! The COVID-19 pandemic has impacted many individuals in many ways. One of the major ways that COVID-19 has impacted many lives in the U.S. is through their personal finances. The stress of finances can have an impact on your overall physical health. Check out this episode to hear my discussion with Ms. Deidra Willis, a certified financial planner, to gain understanding about your current financial health status and learn about some potential ways to improve your financial status in the midst of a pandemic.    Consumer Financial Protection Bureau for Mortgage & Housing assistance: www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance For those interested in contacting Ms. Willis for consultation, please see info below: Ms. Deidra Willis, CFP, CLU  - Financial Advisor  Website: deidrawillis.nm.com   and click on contact me and complete short form   Below is link to share with family/friends/colleagues for quick access to Refine Your Health Facebook page please like and follow for great content and includes links to choose a preferred podcast streaming platform. Refine Your Health Podcast  https://linktr.ee/refineyourhealth            

BBB Presents: Financial Literacy 101, featuring Steve Sprovach, a certified financial planner with Allworth Financial Cincinnati. It's National Financial Literacy Month! BBB's Sara Kemerer talks with Steve about raising kids with financial literacy, coping with money anxiety, and how to budget and plan for retirement in an evolving economy.

April is National Financial Literacy Month! Auntie Jeannine and Nephew Tre are passionate about financial literacy and financial freedom. In this episode, we revisit a popular interview with Imani Hamilton, of Finance by Faith, who can help get you on the right path by examining your money mindset. Can't reach your financial goals? Are you having the same issues year after year with your finances and cash flow? Do you know that trauma can impact your relationship and behaviors with money? In this episode, we discuss how we formulate our ideas about money and spending. We uncover the barriers that prevent us from having positive cash flow due to overspending. Are you an emotional spender or have you experienced financial gaslighting from your friends and family? If you don't know, you'll find out in this episode. Speaker: Imani Hamilton Company: Finance by Faith Website: https://financebyfaith.com Subscribe, comment and share.

Episode Notes Listen + Subscribe NOW The Piper Carter Podcast on #DetroitIsDifferent Episode #120 3 generations discussing Hip Hop, Politics, Arts & Culture Cohosts: Deja @catoriit + Brittany March + JYR3H Title: “FinFest: Hip Hop Financial Literacy”  Interview: Emcee, Educator, Podcaster, Actor, Play Write, DYALEKT + Singer, Songwriter, Actress, Rapper, Producer Maria Isa discuss how to Save Your A$$ets! with Hip Hop FinFest—a virtual hip hop concert competition for high school students focused on money and personal finance—premiering Thursday, April 8, on edutainment streaming platform Spondulics! in partnership with Pockets Change and Hip Hop CommUniversity for National Financial Literacy Month. Esteemed hip hop veterans and experts—including Sway Calloway, Bahamadia, Derrick McKinney, and Genesis Be—will pick one lucky winner from top finalists during the livestream event.  Available on multiple streaming platforms including: Amazon Music | Apple Podcast  | Google Podcasts  | Stitcher | Spotify | iHeartRadio | Pandora | Spotify | Youtube This Week's Featured Artist: María Isa - "Voy Contigo" produced by YMMI Piper Carter is the founder of 'We Found Hip Hop, an Advocate for Women in Hip Hop, Hip Hop Culture, Environmental Justice, Gender Justice, Racial Equity, Detroit City, The Arts, and Creator of Dilla Youth Day. Support Piper Carter Podcast by donating to their Tip Jar: https://tips.pinecast.com/jar/piper-carter-podcast Send us your feedback online: https://pinecast.com/feedback/piper-carter-podcast/9a6c6738-ea8e-4edb-91ee-a47a7f792735 This podcast is powered by Pinecast.

April is National Financial Literacy Month. According to K-State Research and Extension family resource management specialist Elizabeth Kiss, (kish) establishing a budget and a plan to meet immediate, intermediate and long-term financial goals can help us gain better control of our finances. Sound Living is a weekly public affairs program addressing issues related to families and consumers. It is hosted by Jeff Wichman. Each episode shares the expertise of K-State specialists in fields such as child nutrition, food safety, adult development and aging, youth development, family resource management, physical fitness and more. Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu. K‑State Research and Extension is a short name for the Kansas State University Agricultural Experiment Station and Cooperative Extension Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices, experiment fields, area Extension offices and regional research centers statewide. Its headquarters is on the K‑State campus in Manhattan.  

  Unlock Your Wealth Today Starring Heather Wagenhals   Jim Woods, Top Market Analyst and Way of the Renaissance Man returns to guest host with Heather Wagenhals this 2021 and brings his unique insight to share with you about the markets and so much more.   On today's episode:   Jim's recap of the first quarter of 2021 and what changed as the new year began.. Jim shares his thoughts on what's coming up for the second quarter. Jim discusses his "Four Horsemen" of the financial markets and what they are telling him. Jim kicks off National Financial Literacy Month and shares his most powerful tool for achieving financial freedom.   Tune in to hear how you can use the news to invest in the markets today.   Visit the website now and claim your FREE strategy for this week's Key at MakingSuccessSimple.com and join our exclusive VIP community for free during our pre-launch phase!     Welcome to our newest sponsor ReadItForMe and click on the link to claim your special offer for Unlock Your Wealth Fans and start reading best-selling books in less than 12 minutes with ReadItForMe UnlockYourWealth.com/readitforme   ******SIX-WEEK MEDIA TRAINING BOOTCAMP STARTS IN MAY. Finish BEFORE SUMMER. GET ON THE WAITLIST NOW! https://renaissancebrandmanagement.com/mediatrainingbootcamp Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Next Week's Key: Take Action Make Assessment Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can DM the show and directly ask questions!   For free tools and resources, give Heather an inbox message @unlockYourWealth after each show for the complementary resource she offers. FREE is GOOD! Do it now!       Jim Woods' Newsletter Advisory Services Websites:*   JimWoodsInvesting.com is where you find all of Jim's publications, including: The Deep Woods Successful Investing Intelligence Report Bulls-eye Stock Trader WayOfTheRenaissanceMan.com   Also Check Out:   MoneyCreditAndYou.com UnlockYourWealth.com FreedomFest.com Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!   Meet Our Featured Experts Right Here!   Featured Expert Dr. Mark Skousen's Investing Sites:   Forecasts & Strategies High Income Alert 5 Star Trader Fast Money Alert TNT Trader   Featured Expert Hilary Kramer's Investing Sites:   Value Authority   Turbo Trader   High Octane Trader   Game Changers   Two Day Trader   Inner Circle  

Coronavirus Market Update, National Financial Literacy Month Featuring Jim Woods Unlock Your Wealth Today Starring Heather Wagenhals   Author, freedom-championing philosopher, and number one world-ranked market analyst, Jim Woods joins Heather to discuss how you invest in uncharted waters as we are seeing today with the impact of the Coronavirus.   What's Discussed:   Why we had the worst financial quarter ever for markets What must change before volatility settles down What sectors should you be investing in right now   Plus, viewer questions answered on air!   Pay off your mortgage, become debt free and have cash to invest with this simple strategy. Click here for the complimentary eBook. UnlockMyWealth.com Learn More with Resource Links: Jim Woods' Newsletter Advisory Services Websites:*   Successful Investing   Intelligence Report   Bullseye Stock Trader       Jim Woods Investing MoneyCreditAndYou.com UnlockYourWealth.com SevenSellingSecrets.com FreedomFest.com WayOfTheRenaissanceMan.com This Week's Key: Acceptance and Affirmation Check out our resources and past shows at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can DM the show and directly ask questions!   Join us on Instagram ( http://Instagram.com/UnlockYourWealth ) Wednesdays at 7:30 PM Eastern where Heather shares her mid-week update! also follow @unlockyourwealth so you always know every time Heather does the new broadcast. For free tools and resources, give Heather an inbox message after each show for the complementary resource she offers. FREE is GOOD! Do it now! Special Offers: *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!   Meet Our Featured Experts Right Here!   Featured Expert Hilary Kramer's Investing Sites:   Value Authority   Turbo Trader   High Octane Trader   Game Changers   Two Day Trader   Inner Circle     Featured Expert Dr. Mark Skousen's Investing Sites:   Forecasts & Strategies High Income Alert 5 Star Trader Fast Money Alert TNT Trader   *Website may make a referral fee at no cost to you if you acquire goods and/or services from these links to keep these articles and interviews available at no charge.

April is National Financial Literacy Month and it is a celebration and a challenge. It's a chance to reflect on the state of our personal finances and an opportunity to improve those finances, one step at a time. We talk about those helpful steps in this episode.

 What makes success possible?   International best-selling author Sharon Lechter explains that it all starts with the letter "D." The "Rich Dad, Poor Dad" co-author and Financial Literacy champion returns to help Heather Wagenhals continue the celebration of National Financial Literacy Month.   Unlock Your Wealth Today and Heather Wagenhals' gives you the tools and resources to increase your Wealth, Health, Wisdom, and Pleasurable pursuits.     Who's On:   As an entrepreneur, best-selling author, philanthropist, international speaker, mentor, licensed CPA and a Chartered Global Management Accountant, Sharon Lechter is the premier expert for financial literacy and a seeker of success. She is the co-author of the international bestseller Rich Dad Poor Dad, and has written 14 other books in the Rich Dad series and built the empire into the world's leading personal finance brand. Starting in 2008, she began working with the Napoleon Hill Foundation to help re-energize the brand and has released three bestselling books in cooperation with the Foundation, including Think and Grow Rich-Three Feet from Gold, Outwitting the Devil, and Think and Grow Rich for Women. Sharon has also released Save Wisely, Spend Happily, in cooperation with the American Institute of CPAs. and served a 2 year term on the President's advisory council for financial literacy.   What's Shared:   The difference between financial literacy and a financial education The most important "D" you will discover The tragedy Sharon turned into triumph Why "why" is the wrong question to ask What is the Play Big Movement Sharon started and how you can participate too And so much more...   Sharon's Resource Links:   Website: SharonLechter.com Twitter: https://twitter.com/sharonlechter Instagram: https://www.instagram.com/sharonlechter/ Facebook: https://www.facebook.com/AuthorSharonLechter/ Play Big Movement FB Group: The Play Big Movement With Sharon Lechter     ***SPECIAL OFFER***   Check out Jim Woods' FREE Report for Unlock Your Wealth Today viewers here.           Learn More with Resource Links:   MoneyCreditAndYou.com UnlockYourWealth.com SevenSellingSecrets.com FreedomFest.com WayOfTheRenaissanceMan.com   This Week's Key: Dreams with Deadlines   Join us Mondays at 9AM Pacific for our Unlock Your Wealth LIVE show at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can hop on the show and directly ask questions!   Join us on Instagram ( http://Instagram.com/UnlockYourWealth ) Wednesdays at 7:30 PM Eastern where Heather shares her mid-week update! also follow @unlockyourwealth so you always know every time Heather does the new broadcast. For free tools and resources, give Heather an inbox message after each show for the complementary resource she offers. FREE is GOOD! Do it now! Special Offers: 50% Off USE PROMO CODE: halfoff7 For My Course NOW! Click the cover           *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!     Featured Expert Links: JIM WOODS   Bullseye Stock Trader Successful Investing Intelligence Report Fast Money Alert   DR. MARK SKOUSEN Forecasts & Strategies TNT Trader Five Star Trader High-Income Alert     BRYAN PERRY Cash Machine Premium Income Quick Income Trader Instant Income Trader Hi-Tech Trader HILARY KRAMER GameChangers Value Authority High Octane Trader Turbo Trader     BOB CARLSON Retirement Watch Retirement Watch Spotlight Series     MIKE TURNER TurnerTrends Tools Signal Investor Quick Hit Trader   Tags:   Sharon Lechter, Play Big Movement, rich dad poor dad, Personal finance, investing, ID theft, wealth, health, wisdom, luxury lifestyle, pleasurable pursuits, millionaires, keys to riches, money, credit, heather wagenhals, hilary kramer, mark skousen, bryan perry, bob carlson, mike turner, jim woods, investing, jim woods investing, stock market, bond market, retirement, 2019 predictions, 2018, bear market, bull market, FreedomFest, renaissance man, renaissance woman, inflation, stocks, bonds, options, trading, market crash, foreign currencies, precious metals, gold, silver, platinum, palladium, rare coins, successful investing, intelligence report, newsletter writer, newsletter, investing newsletter, newsletter editor, objective thinking, critical thinking, decision-making, heather wagenhals, goal setting, Bullseye Stock Trader

April is National Financial Literacy Month. According to K-State Research and Extension family resource management specialist Elizabeth Kiss, establishing a budget and a plan to meet immediate, intermediate and long-term financial goals can help us gain better control of our finances.  Sound Living is a weekly public affairs program addressing issues related to families and consumers. It is hosted by Jeff Wichman. Each episode shares the expertise of K-State specialists in fields such as child nutrition, food safety, adult development and aging, youth development, family resource management, physical fitness and more. Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu. K‑State Research and Extension is a short name for the Kansas State University Agricultural Experiment Station and Cooperative Extension Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices, experiment fields, area Extension offices and regional research centers statewide. Its headquarters is on the K‑State campus in Manhattan.

This week host John Voket and the award-winning For the People chats with the American Association of University Women’s Connecticut Chapter about their upcoming 6th annual Tech Savvy Conference, for 6th to 9th grade girls who want to learn about careers in science, technology, math and engineering. Then we're going to talk financial literacy - National Financial Literacy Month in April is the ideal time to purge the waste from your spending habits and take control of your finances - and we'll tell you how with the CEO of the not-for-profit Nutmeg State Financial Credit Union. And we'll close with a Distracted Driving Awareness Month segment featuring the National Safety Council discussing the latest implications of distracted driving. Put down your phone and listen up!

   Are the Rules for Building Wealth That Simple?   Top Market Analyst and 2018 MoneyShow's Number One Stock Picker Jim Woods says yes as he returns to kick off another season and the beginning of National Financial Literacy Month.   Unlock Your Wealth Today and Heather Wagenhals' gives you the tools and resources to increase your Wealth, Health, Wisdom, and Pleasurable pursuits.   Who's On:   JIM WOODS has over 20 years of experience in the markets as a broker, hedge fund trader, newsletter editor, and contributor to numerous financial outlets. He's also a decorated special forces veteran, experienced horseman, motorcycle enthusiast and poet. Jim's unique blend of experiences gives him a world view unlike any other, one which led him to become the Top 3 stock picker in the world Ranked #3 out of 6,631 Bloggers on TipRanks (#11 out of 11,760 overall experts). Jim currently edits Successful Investing, Intelligence Report and works with Dr. Mark Skousen on Fast Money Alert. Elevating the cultural IQ, Jim publishes a lifestyle website and podcast entitled, "Way Of The Renaissance Man."   What's Shared:   Jim's quarterly market recap Why it is important to be financially free Jim's Three Rules for Building Wealth Heather's 30-day Financial Literacy Challenge And so much more...   Check out Jim Woods' FREE Report for Unlock Your Wealth Today viewers here.     Learn More with Resource Links:   MoneyCreditAndYou.com UnlockYourWealth.com SevenSellingSecrets.com FreedomFest.com WayOfTheRenaissanceMan.com   This Week's Key: Acceptance and Affirmation   Join us Mondays at 9AM Pacific for our Unlock Your Wealth LIVE show at our Facebook fan page at https://www.facebook.com/UnlockYourWealthTV/ You can hop on the show and directly ask questions!   Join us on Instagram ( http://Instagram.com/UnlockYourWealth ) Wednesdays at 7:30 PM Eastern where Heather shares her mid-week update! also follow @unlockyourwealth so you always know every time Heather does the new broadcast. For free tools and resources, give Heather an inbox message after each show for the complementary resource she offers. FREE is GOOD! Do it now! Special Offers: 50% Off USE PROMO CODE: halfoff7 For My Course NOW! Click the cover     *** Get your FREE book from our sponsor Audible at AudibleTrial.com/UnlockYourWealth and click on the link to choose from over 150,000 titles for your iPhone, Android, Kindle or MP3 Player!     Featured Expert Links: JIM WOODS   Bullseye Stock Trader Successful Investing Intelligence Report Fast Money Alert DR. MARK SKOUSEN Forecasts & Strategies TNT Trader Five Star Trader High-Income Alert     BRYAN PERRY Cash Machine Premium Income Quick Income Trader Instant Income Trader Hi-Tech Trader HILARY KRAMER GameChangers Value Authority High Octane Trader Turbo Trader     BOB CARLSON Retirement Watch Retirement Watch Spotlight Series     MIKE TURNER TurnerTrends Tools Signal Investor Quick Hit Trader Tags: Personal finance, investing, ID theft, wealth, health, wisdom, luxury lifestyle, pleasurable pursuits, millionaires, keys to riches, money, credit, heather wagenhals, hilary kramer, mark skousen, bryan perry, bob carlson, mike turner, jim woods, investing, jim woods investing, stock market, bond market, retirement, 2019 predictions, 2018, bear market, bull market, FreedomFest, renaissance man, renaissance woman, inflation, stocks, bonds, options, trading, market crash, foreign currencies, precious metals, gold, silver, platinum, palladium, rare coins, successful investing, intelligence report, newsletter writer, newsletter, investing newsletter, newsletter editor, objective thinking, critical thinking, decision-making, heather wagenhals, goal setting, Bullseye Stock Trader    

Welcome BACK!"We are your hosts Anne-Alida and Aj."Episode #7 - A Preteen Entrepreneur series...how to"Be your own Boss" and Acton Children's Business Fair!  We’re glad your here - Since April as National Financial Literacy Month...we’re discussing what it means to be an entrepreneur. Preteens can do great things!  Yes it's true, YOU can be an Entrepreneur...Do you want to be your own boss through building wealth in your own back yard?  Do you want to learn how to make money fast?   Then this podcast is for you!  So do you have what it takes to be you own boss?  Maybe you aren’t sure…  we have narrowed it down to three steps. LISTEN now to hear our steps and find inspiration to start you own business today! ACTON ACADEMYCHILDREN'S BUSINESS FAIRHERE are links to the PReteen Entrepreneur Vendors at the Busniess Fair:https://www.facebook.com/JaniPotoo/https://www.littleelements.net IF you would like to SEE photos and live viedos of our podcast  please go to iTUnes, OUR FACEBOOK PAGE, Twitter account, and our Instagram page.links below:ITUNES or PODBEAN"BE-TWEEN" FACeBOOK AccountBe-tween instagram page "BE-TWEEN" twitter page 

Sharon Lechter, Think and Grow Rich for Women Best-Selling Author Celebrates National Financial Literacy Month and Season 35 of Unlock Your Wealth Radio Starring Heather Wagenhals, author, Executive Producer and show host of Unlock Your Wealth Radio celebrates National Financial Literacy Month featuring Best Selling Author Sharon Lechter. These personal finance experts join forces and discuss money challenges facing women today on Friday at 9 AM PST. Who's On: As an entrepreneur, best-selling author, philanthropist, international speaker, mentor, licensed CPA and a Chartered Global Management Accountant, Sharon Lechter is the premier expert for financial literacy and seeker of success. She is the co-author of the international bestseller Rich Dad Poor Dad, and has written 14 other books in the Rich Dad series and built the empire into the world's leading personal finance brand. Starting in 2008, she began working with the Napoleon Hill Foundation to help re-energize the brand and has released three bestselling books in cooperation with the Foundation, including Think and Grow Rich-Three Feet from Gold, Outwitting the Devil, and Think and Grow Rich for Women. Sharon has also released Save Wisely, Spend Happily, in cooperation with the American Institute of CPAs. “Sharon's time as a successful CPA, on the President's Counsel for Financial Literacy, leading her own best-selling publishing concern, and now partnering with the Napoleon Hill Foundation updating the Think and Grow Rich for Women into a best-selling book worldwide, gives her a unique perspective on women, financial literacy, and female entrepreneurship and is perfect for sharing with our audience at Unlock Your Wealth Radio,” explains Heather Wagenhals, show creator and host. Big Vision: As CEO of Pay Your Family First, she has dedicated entrepreneurial efforts to the creation and distribution of financial education books, games, curriculums, and other experiential learning projects. Everything about Sharon's career centers around impacting others to improve their financial IQ, access untapped potential personally and in business, and be the best. What's Shared: why it is critical that women master financial literacy what Sharon means by "playing big" what mentorship is and how you know the difference between it and coaching Learn More with Guests Links: http://sharonlechter.com/ This Week's Key: Acceptance and Affirmation This week's Key will address how we begin our personal finance journey from our Keys to Riches© Financial Philosophy. Join us Mondays for our Unlock Your Wealth LIVE show at our Facebook fan page a HTTP://fb.com/UnlockYourWealthRadio You can hop on the show and directly ask questions! Special Offers: Join us on Instagram ( http://Instagram.com/UnlockYourWealth ) for our daily live broadcasts at 7:30 PM Eastern where Heather introduces you to her Complementary 30 Days To Personal Finance Success Program! Also follow @unlockyourwealth so you always know every time Heather does the new broadcast. For free tools and resources give her an inbox message after each show for the complementary resource she offers. FREE is GOOD! Do it now! Tags: Sharon Lechter, Think and Grow Rich, think and grow Rich for women, personal finance, financial literacy, 30 day challenge, entrepreneurship, investing, money  

Sharon Lechter, Think and Grow Rich for Women Best-Selling Author Celebrates National Financial Literacy Month and Season 35 of Unlock Your Wealth Radio Starring Heather Wagenhals, author, Executive Producer and show host of Unlock Your Wealth Radio celebrates National Financial Literacy Month featuring Best Selling Author Sharon Lechter. These personal finance experts join forces and discuss money challenges facing women today on Friday at 9 AM PST. Who's On: As an entrepreneur, best-selling author, philanthropist, international speaker, mentor, licensed CPA and a Chartered Global Management Accountant, Sharon Lechter is the premier expert for financial literacy and seeker of success. She is the co-author of the international bestseller Rich Dad Poor Dad, and has written 14 other books in the Rich Dad series and built the empire into the world’s leading personal finance brand. Starting in 2008, she began working with the Napoleon Hill Foundation to help re-energize the brand and has released three bestselling books in cooperation with the Foundation, including Think and Grow Rich-Three Feet from Gold, Outwitting the Devil, and Think and Grow Rich for Women. Sharon has also released Save Wisely, Spend Happily, in cooperation with the American Institute of CPAs. “Sharon’s time as a successful CPA, on the President’s Counsel for Financial Literacy, leading her own best-selling publishing concern, and now partnering with the Napoleon Hill Foundation updating the Think and Grow Rich for Women into a best-selling book worldwide, gives her a unique perspective on women, financial literacy, and female entrepreneurship and is perfect for sharing with our audience at Unlock Your Wealth Radio,” explains Heather Wagenhals, show creator and host. Big Vision: As CEO of Pay Your Family First, she has dedicated entrepreneurial efforts to the creation and distribution of fin

Who gets to give names to specific celebratory months? Have you ever wondered? For example, April is National Humor Month, National Internship Awareness Month, Inventors’ Month, Jazz Appreciation Month, Cannabis Month, National Alcohol Month, and the list goes on and on. I would like to focus on April as National Financial Literacy Month. Why? Because Tax Day is just around the corner! It’s important to talk to young people about financial literacy. The most valuable thing that young people have on their side is TIME. Just putting away small amounts of money—and starting while you’re still young—will yield amazing results! Show Highlights: Money invested over the long-term will DOUBLE on average every 7 years Diversified mutual funds are best, and it’s essential to get a good financial advisor It doesn’t take a LOT of money—the important thing is to just GET STARTED Delaying by just a few years can make a difference of MILLIONS  Why? Because of the power of compound interest As an illustration, would you rather have $1 million right now OR a penny now that doubles every day for 30 days? At Day 20, you would have $5,242.88 At Day 24, you would have $83,886.08 At Day 26, you would have $335,554.32 At Day 27, you would have $671,088.64 At Day 28, you would have $1,342,177.28 At Day 30, you would have $5,368,709.12 If you invest $100/month from age 20 to age 34, and then no more, you would have invested $16,800, which would grow to $731,822.31 at age 65 If you invest $100/month from age 34 to age 65, you would have only $241,365.32 It’s essential to understand the numbers for financial literacy and get serious about saving money ASAP Find a good financial advisor who helps you invest in a solid portfolio of diversified funds and DON’T watch the market daily. Keep adding to it and watch it over time Albert Einstein said: “Compound interest is the eighth wonder of the world. He who understands it, earns it, and he who doesn’t, pays it. Compound interest is the most powerful force in the universe.” Resources mentioned in the episode: Resources mentioned in the episode: "I'm Gonna Need Ice, with Matt" - https://youtu.be/Mnt-Oah8W6k  https://www.allrecipes.com/recipe/221320/old-fashioned-cocktail/ Starting Young – The Miracle of Compound Interest https://www.earlytorise.com/starting-young-the-miracle-of-compound-interest/ If You Still Don’t Believe In The Power Of Compound Interest, You Have To See This https://www.moneyunder30.com/power-of-compound-interest Compound Interest Calculator https://www.investor.gov/additional-resources/free-financial-planning-tools/compound-interest-calculator

Kicking off National Financial Literacy Month 2018 right, we're joined by Paula Pant of the Afford Anything website and podcast. When Paula graduated from college she did what society expected: she got a regular schmegular job. But, like many of us, she soon realized that working a 9 to 5 -- even at a job she loved -- deprived her of something even more valuable: personal freedom. Paula set out to become financially independent and along the way she discovered you can afford anything (but not everything). This week she shares her secrets for how you too can prioritize your financial habits to ensure you can live the life you want with the time you have, the one thing you can't replace. Our discussion covers: How Paula saved $28,000 on an income of less than $30,000 by prioritizing financial freedom over living paycheck-to-paycheck The importance of tapping into the emotional side of your goals to maintain the fuel you'll need to succeed How to "grow the gap" between what you earn and what you spend by identifying your values and using investments to supplement your income Realizing that nothing is free and why assigning your personal values to your spending is equally important as knowing your fixed expenses Why your biggest gains in savings can come from covering or keeping your rent/mortgage fees as low as possible In the spirit of Financial Literacy Month, this week's Action Items: Get clear on your values by aligning your spending with what's important to you Reduce fixed / unnecessary expenses for your greatest wins (two categories - housing and transportation - are 50% of the average American's expenses) Expand your network by joining like-minded people in related networking programs/conferences Grow the Gap between what you earn and spend with investments becoming your safety net

This morning on the award-winning 'For the People' John Voket opens with Foodshare - celebrating 35 years of serving thousands of hungry children, seniors and families in the greater Hartford area. Then it's on to recognizing April as National Financial Literacy Month with the not for profit Nutmeg State Financial Credit Union with some tips to become financially fit. Then we'll check in with a Weathersfield dentist about the role these professionals play in discovering and supporting individuals suffering with oral cancer as we close out Oral Cancer awareness month. And we'll close as we move into May, Mental Health Awareness Month - inviting you to a screening of the documentary 'Healing Voices.'

National Financial Literacy Month andSeason 31 of Unlock Your Wealth Radiowill feature the Best Of interviews with hostHeather Wagenhals. In this first week we re-air Season 27 with Mike Lindell,Inventor & CEO of MyPillow®, Inc. Tune inas Mike and Heather discuss entrepreneurs and the unknowings that occur during the journey to success. Mike started his own business in his garage, working hard and not sleeping well, so he set out to design a pillow that would help him sleep. After two years he finally came up with the patented fill, ensuring MyPillow® that would be breathable and washer and dryer safe. Mike heard a lot of “no’s” in those early years, but never gave up on his passion to share his pillow with the world and to this day Mike has more than 650 employees, and his company is expected to take in $100 million this year. Tune in to this week's episode as we celebrate National Financial Literacy Month and hear from Mike Lindell and his overnight success story and find out some of 

National Financial Literacy Month and Season 31 of Unlock Your Wealth Radio will feature the Best Of interviews with host Heather Wagenhals. In this first week we re-air Season 27 with Mike Lindell, Inventor & CEO of MyPillow®, Inc. Tune in as Mike and Heather discuss entrepreneurs and the unknowings that occur during the journey to success. Mike started his own business in his garage, working hard and not sleeping well, so he set out to design a pillow that would help him sleep. After two years he finally came up with the patented fill, ensuring MyPillow® that would be breathable and washer and dryer safe. Mike heard a lot of “no's” in those early years, but never gave up on his passion to share his pillow with the world and to this day Mike has more than 650 employees, and his company is expected to take in $100 million this year. Tune in to this week's episode as we celebrate National Financial Literacy Month and hear from Mike Lindell and his overnight success story and find out some of the growing pains Mike experienced along the way. In this interview Mike will also share his ups and downs of being an entrepreneur and offer lessons and advice to other entrepreneurs who are just starting their own company or going through struggles today.

The Moneywise Guys Podcast Thursday, April 5th www.MoneywiseGuys.com Guest: Michael Hopper, Co-Host of 'First Look with Scott Cox' 

Unlock Your Wealth Radio Season 27 kicks off National Financial Literacy month with Mike Lindell, Inventor & CEO of MyPillow®, Inc along side host, Heather Wagenhals.  Tune in to hear this overnight success story and find out some of the growing pains Mike experienced along the way. In this interview Mike will also share his ups and downs of being an entrepreneur and offer lessons and advice to other entrepreneurs who are just starting their own company or going through struggles today.

Unlock Your Wealth Radio Season 27 kicks off National Financial Literacy month with Mike Lindell, Inventor & CEO of MyPillow®, Inc along side host, Heather Wagenhals. Tune in as Mike and Heather discuss entrepreneurs and the unknowings that occur during the journey to success. Mike started his own business in his garage, working hard and not sleeping well, so he set out to design a pillow that would help him sleep. After two years he finally came up with the patented fill, ensuring MyPillow® that would be breathable and washer and dryer safe. Mike heard a lot of “no's” in those early years, but never gave up on his passion to share his pillow with the world and to this day Mike has more than 650 employees, and his company is expected to take in $100 million this year. Tune in to hear this overnight success story and find out some of the growing pains Mike experienced along the way. In this interview Mike will also share his ups and downs of being an entrepreneur and offer lessons and advice to other entrepreneurs who are just starting their own company or going through struggles today. Join Heather Wagenhalsand Unlock Your Wealth Radioas we broadcast LIVE interviewsat theAtlas Society Summer Summitand Freedom Fest 2016! Use Promo code: FF16Unlock

National Financial Literacy Month is recognized in the United States in April in an effort to highlight the importance of financial literacy and teach Americans how to establish and maintain healthy financial habits.  Ryan Miner, host of A Miner Detail brought to you by the Change Montgomery County Radio Network, will host a show about financial literacy with Montgomery County financial professionals, including the President of Change Montgomery County, Frank Howard and Joseph W. Jacques, Certified Public Accountant, Certified Financial Planner.  Ryan and his guests will discuss: How to plan your personal or family budgetFamily consumer science and making smart economic decisions on the daily Planning for retirement Buying a house and paying a monthly mortgage Paying for college How to save and the tools to useFinancial instruments And much, much more!  If you have questions for our financial professionals, please call us between 9:00 p.m. - 10:00 p.m. at (646) 716-5971.  Join us on Wednesday, April 29, 2015 at 9:00 p.m. for a brand new episode of A Miner Detail on the Change Montgomery County Radio Network!

In April, which also happens to be National Financial Literacy Month, Knowledge@Wharton High School traveled to Amsterdam in Holland for the Child & Youth Finance International summit. While there, we sat down with Tom Rosen Jacobsen, a 10th grader from Amsterdam, to talk about the more than 70 youth from 40 countries participating in the event, and the challenge of agreeing on policy recommendations even when you don't speak the same language. See acast.com/privacy for privacy and opt-out information.

While April is National Financial Literacy Month, the movement to help young people better manage their money is actually quite global. Knowledge@Wharton High School traveled to Amsterdam in April to take part in the Child & Youth Finance International summit, which brought together youth and senior-level representatives from across various sectors to discuss financial education for children and youth around the world. While there, KWHS editor Diana Drake sat down with Melvis Mirazi, a senior at Zwelibanzi High School in Durban, South Africa, to discuss saving money in her part of the world. See acast.com/privacy for privacy and opt-out information.

April is National Financial Literacy Month. To hear tips for increasing our financial fitness and talking to teens about money, listen in as H&R Block Dollars & Sense spokesperson and financial psychologist Dr. Brad Klontz discusses the topic with tax blogger Eva Rosenberg. They’ll take your questions and chat on our web radio channel April 13 at 5:30pm PST, 8:30pm EST.

April is National Financial Literacy Month. To hear tips for increasing our financial fitness and talking to teens about money, listen in as H&R Block Dollars & Sense spokesperson and financial psychologist Dr. Brad Klontz discusses the topic with tax blogger Eva Rosenberg. They’ll take your questions and chat on our web radio channel April 13 at 5:30pm PST, 8:30pm EST.