1. Never Lose A Penny: Be Money Smart Presenter: Lilith Janel Pulley FBLA-PBL Conference Hilton Hotel Orlando, Fl

2. Summary Quotes Decide To Be Wealthy Setting Financial Goals Take Responsibility for Your Money Win In The Margins: Millionaire Mindset Give Back: Service Is Golden Investments Identity: Your Most Valuable Asset

3. Quotes The future belongs to those who believe in the beauty of their dreams – Eleanor Roosevelt Success is not the result of making money; making money is the result of success – James Arthur Ray Fortune befriends the bold. – VIRGIL, The Aeneid, Translated by John Dryden

4. Decide To Be Wealthy Look in the Mirror –Declare your intention by saying it aloud: “Today I decide to be wealthy.” The wealthy understand the principles of accumulating wealth and live them –Keep A Portion of Everything You Earn Money will never make you happy; but it will make you comfortable Who wants to be a millionaire?

5. Setting Financial Goals Write down how much you spend daily –“There was a time when a fool and his money were soon parted, but now it happens to everybody.” – Adlai E. Stevenson Budget your monthly expense –Spend wisely Write down your dreams and you are more likely to achieve them –“Money is not required to buy one necessity of the soul.” – Henry David Thoreau

6. Take Responsibility for Your Money Put at least $1 and any loose change away each day –“You can’t touch this.” – M.C. Hammer Add “savings” to your spending plan Check to see if your employer has direct deposit Are you just about to pay off a loan? Keep paying, but PAY YOURSELF Give up costly habits

7. Win In The Margins: Develop a Millionaire Mindset Know How Much Money You Have –Carefully consider each expenditure Know Where Your Money Comes From –Earn Extra Income Know Where Your Money Is Going –Freedom & Power are better than momentary pleasure Know What Your Money Is Doing –Are you earning interest or paying it? Savings –Protect the nest egg –The Power of Compound Interest

8. Give Back: Service Is Golden Volunteer Give Generously Life is Not About Money All you have shall some day be given; Therefore give now, that the season of Giving may be yours and not your inheritors’. – Kahlil Gibran

9. Investments Find a reputable agent/broker Contribute to your company 401(k) plan or 403(b) for matching opportunities Do a financial check up one a year Realize all economic decisions involve opportunity costs Money Market/Savings/CD Accounts –Roth IRA, IRA Deposit Accounts Life Insurance/Annuity Policy

10. Identity: Your Most Valuable Asset ID Theft Quiz Envision Your Dreams See How You Are Doing Applaud Yourself “Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like.” – Will Smith

11. Summary: Never Lose A Penny Are You Money Smart? –A Matter of Knowledge and Choice Goal Planning Do Not Equate Spending With Happiness –“The problem of our age is the proper administration of wealth.” – Andrew Carnegie Bequeath it in your will for public purposes Leave it to your family Share it during your lifetime for public benefit

12. References The 5 Lessons A Millionaire Taught Me by Richard Paul Evans www.daveramsey.com/tools/budget- forms/www.daveramsey.com/tools/budget- forms/ www.themint.org/teachers/budgeting- your-financial-resources.htmlwww.themint.org/teachers/budgeting- your-financial-resources.html www.privacyrights.org/ar/idtheftsurvey s.htmwww.privacyrights.org/ar/idtheftsurvey s.htm The Millionaire Mindset by James Arthur Ray

13. Questions Conclusion Thank You Lilith Janel Pulley 678-228-5405 jpulleyagency@gmail.com