1. Money management and financial planning
Dr. Mitch Parker

2. Today’s Discussion Topics
Budgeting
Savings
Student Loans
Credit Cards
Credit Score
Loans
Auto Loan
Mortgage
Retirement

3. Budgeting
Creating a budget is one of the first steps to financial independence. Planning out your expenses can keep you from overspending and allows you to see where the majority of your money is going.
AC Money Mgt. Budgeting Worksheet
Apps
Mint
Expensify
HomeBudget
Dave Ramsey’s Envelope System
50/30/20 Budgeting Rule

4. Savings
40% of Americans’ do not have enough savings to cover a $400 emergency
Many experts argue that you should have a minimum of three months of living expenses tucked away – but six months is ideal.
Tips to Save More
Get Serious About a Budget
Tips on Saving Money: Daily, Monthly, and Long Term
Hide Your Savings Account From View (andor) Name Your Accounts

5. Student Loans Remember this debt
Can you afford to pay back your student loans? (Calculator)
If you have you student loan debt
Consider Consolidation
Consider a Different Payment Plan
If Applicable Apply for Student Loan Forgiveness

6. Credit Cards Are They Good…Yes and No Are Credit Cards Evil?
Shop for the Best Credit Card for You

7. Credit Score
What is a Credit Score and Why is it Important?

8. Loans Okay, now that you have excellent credit…you’re going to want a
Auto Loan
Auto loan calculator
New or used
Mortgage
Mortgage calculator
Low down payment programs
Things to do before buying a home

9. Retirement
How much will I need?
How to save more for retirement