Welcome to Who Wants to be a Millionaire 50:50 15 $1 Million 14 $500,000 Welcome to Who Wants to be a Millionaire 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

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15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

The actual interest rate a bank pays on an account per year 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 The actual interest rate a bank pays on an account per year 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: face value B: bond C: APY D: life cycle

The actual interest rate the bank pays on an account per year 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 The actual interest rate the bank pays on an account per year 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: face value B: retail market CAPY D: life cycle

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 This is a guarantee by the government to pay a debt. It is known by series EE or I and is sold at 50% of face value 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: stock B: CD C: AYP D: bond

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 This is a guarantee by the government to pay a debt. It is known by series EE or I and is sold at 50% of face value 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: stock B: CD C: AYP D: bond

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

15 $1 Million 14 $500,000 13 $250,000 This type of account gives the investor the flexibility to withdraw money at any time. In addition the user can write checks from this account. However the interest rate fluctuates based on the banks investments 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: bond B: CD C: Money Market D: T Bill

15 $1 Million 14 $500,000 13 $250,000 This type of account gives the investor the flexibility to withdraw money at any time. In addition the user can write checks from this account. However the interest rate fluctuates based on the banks investments 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: bond B: CD C: Money Market D: T Bill

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 This type of account gives the investor a fixed amount of interest, with a fixed principle over a fixed period of time. There is a penalty for early withdrawal 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: CD B: Money Market C: AYP D: Bond

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 This type of account gives the investor a fixed amount of interest, with a fixed principle over a fixed period of time. There is a penalty for early withdrawal 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: CD B: Money Market C: AYP D: Bond

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

In order to use this type of bank you need to be a member . 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 In order to use this type of bank you need to be a member . 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: savings and loan B: credit union C: commercial bank D: FDIC

In order to use this type of bank you need to be a member . 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 In order to use this type of bank you need to be a member . 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: savings and loan B: credit union C: commercial bank D: FDIC

You’ve Reached the $1,000 Milestone! Congratulations! Congratulations!

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

This agency guarantees your deposit at any bank of up to $250,000 . 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 This agency guarantees your deposit at any bank of up to $250,000 . 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: savings and loan B: credit union C: commercial bank D: FDIC

This agency guarantees your deposit at any bank of up to $250,000 . 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 This agency guarantees your deposit at any bank of up to $250,000 . 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: savings and loan B: credit union C: commercial bank D: FDIC

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

This type of bank works with businesses and individuals. 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 This type of bank works with businesses and individuals. 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: savings and loan B: credit union C: commercial bank D: FDIC

This type of bank works with businesses and individuals. 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 This type of bank works with businesses and individuals. 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: savings and loan B: credit union C: commercial bank D: FDIC

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

Save for the unexpected Save for opportunities 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 Save for the unexpected Save for opportunities Save for major purchases 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: benefits of saving B: detriments of saving C: family of savings D:words of wisdom

Save for the unexpected Save for opportunities 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 Save for the unexpected Save for opportunities Save for major purchases 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: benefits of saving B: detriments of saving C: family of savings D:words of wisdom

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

Pay yourself Save by the numbers Payroll deductions 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 Pay yourself Save by the numbers Payroll deductions 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: spending strategies B: savings strategies C: credit strateges D: exercise

Pay yourself Save by the numbers Payroll deductions 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 Pay yourself Save by the numbers Payroll deductions 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: spending strategies B: savings strategies C: credit strateges D: exercise

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

How long does it take an investment to double at a rate of 9% 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 How long does it take an investment to double at a rate of 9% 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A:8 B: 7 C: 9 D: 6

How long does it take an investment to double at a rate of 9% 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 How long does it take an investment to double at a rate of 9% 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A:8 B: 7 C: 9 D: 6

You’ve Reached the $32,000 Milestone! Congratulations!

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

The amount of time it takes an investment earning 6% to double. 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 The amount of time it takes an investment earning 6% to double. 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: 8 B: 10 C: 12 D: 14

The amount of time it takes an investment earning 6% to double. 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 The amount of time it takes an investment earning 6% to double. 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: 8 B: 10 C: 12 D: 14

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

Calculate the simple interest 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 Calculate the simple interest $2000 at 4% for one year 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A:800 B: 80 C: 100 D: 40

Calculate the simple interest 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 Calculate the simple interest $2000 at 4% for one year 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A:800 B: 80 C: 100 D: 40

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 interest paid one time a year at the end of the year on the average balance in a savings account. 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: simple B: compound C: double D: complex

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 interest paid one time a year at the end of the year on the average balance in a savings account. 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: simple B: compound C: double D: complex

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

is interest paid on the principal and on previously earned interest 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 is interest paid on the principal and on previously earned interest 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: simple B: compound C: double D: complex

is interest paid on the principal and on previously earned interest 15 $1 Million 14 $500,000 13 $250,000 12 $125,000 is interest paid on the principal and on previously earned interest 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: simple B: compound C: double D: complex

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 1 $100

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 The difference between simple interest and compound interest is that with compound interest you earn interest on your interest 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: true B: false C: not sure D: I don’t know

15 $1 Million 14 $500,000 13 $250,000 12 $125,000 The difference between simple interest and compound interest is that with compound interest you earn interest on your interest 11 $64,000 10 $32,000 9 $16,000 8 $8,000 7 $4,000 6 $2,000 5 $1,000 4 $500 3 $300 2 $200 50:50 1 $100 A: true B: false C: not sure D: I don’t know

YOU WIN $1 MILLION DOLLARS!