2. 1 Bresee Bank PAY YOURSELF FIRST #1 SAVE Numero Uno..

3. 2 Your Life in a Bucket FILL - earn salary, commission, self employ EMPTY - spend on budget BORROW SMART - appreciate TAXMAN - spend what’s yours

4. 3 Live Like Magic Johnson Save Some Spend Some… Give Some Away….

5. 4 Who Chooses???? Freedom to Do What YOU Want BORROW BORROW BORROW SPEND SPEND down to the bank OR SPEND LOCKED 4

6. 5 Your Choice Spend less than you make Save the rest Free !!!!!!!!!!! 5

7. 6 Your Points Work for YOU

8. 7 How Long Does It Take to Save…. Apartment Car College Own Business House Wedding Computer Retirement Motorbike Emergencies

9. 8 ITTY BITTY WEEKLY SAVINGS

10. 9 Too Little? Too Long? How much will you have if you don’t save?

11. 10 Finding Money to Save… Just one little change.. Just once a week

12. 11 Spending……Saving…….. Small Regular Coffee each week = $728 Large White Chocolate Mocha each week = $2,236

13. 12 Finding a Lot More to Save… Daily white chocolate mocha = $15,700.00 12

14. 13 Sarah’s Budget Salary$1,500 Rent$450 Transport$390 Groceries$100 Clothing$50 Eat out$75 Miscell.$50 Expenses$1,115

15. 14 Sarah’s Savings Salary$1,500 Expenses Rent$450 Car$390 Groceries$100 Clothes$50 Eat Out$75 Other Stuff$50 Total spend$1,115 Save?$385

16. 15 The Un-Savings Decision Buy a Ford Expedition $40,000 Purchase Price $40,000 $57,000 Plus Interest (5 years) $57,000 Save and Pay Cash Keep $17,000

17. 16 Old Age Wealth Meet Ron and Molly: Both 75 years old At 25 years old, Molly starts saving $2,000 per year or $166.67 per month At 50 years old, Ron decided he was making enough to save and puts away double -- $4,000 per year or $333.33 per month

18. 17 Beating Time

19. 18 Time Pays

20. 19 you ARE getting SMARTER QQuestion 1 – Sarah’s first job How long will it take Sarah to save $5,000 to pay cash for her next car? QQuestion 2 – Starting early or saving more: Who saves more Ron or Molly? QQuestion 3 – Live like the Rich and Famous: What’s the magic formula to get and stay rich? QQuestion 4 – Secret for Lazy People What’s the best way to stay lazy in life?

21. 20 Where to Put Your Savings Bank Brokerage house Financial adviser Credit union Insurance company

22. 21 People Pay You for Your Money INVESTING MONEY!! Next Week