1. Operation ReachOut- SouthWest/Bon Secours of Maryland Foundation “It’s Not How Much You Make, It’s How Much You Keep”

2. How Much You Make V. How Much You Keep Economic Self-Sufficiency Level In Baltimore is $17.75/hour - family of 3 Average Wage in Southwest Baltimore- $9.6/hour Avg. Starting Wage for SW Jobs Program Participants- $7.50/hour

3. How Much You Make V. How Much You Keep High Income Does Not Necessarily Equal Wealth Low/Moderate Income Does Not Equal Poverty

4. OROSW Economic Development Committee Basic Premise Younger People Do Not Save Unable to Purchase a Home Do Not Have Jobs With Pensions NO ONE Talking About Financial Issues All Committee Members- not High Income, but saved, purchased a home, good retirement or will have a good retirement.

5. Study- Financial Habits of Residents People Need Immediate Access to Cash Little Savings for Younger People Severe Credit and Debt Problems People Want to Save More But Do Not Believe They Can People Do Not Like Banks People with Debt Problems More Likely to Jump from Job to Job for Slight Pay Increase

6. Addressing the Financial Problems of Residents Our Money Place Goodwill/Bon Secours Workforce Development Program

7. Population Served Walk-ins at Our Money Place Community-Based Programs Transitional Housing

8. Financial Concerns of the Population Served Credit/Debt Issues Child Support Basic Banking Retirement Tax Liens Judgements

9. Financial Curriculum Credit/Debt Management Banking Savings Taxes Goal Setting Budgeting Financial Planning Process Predatory Lending Reading the Fine Print Rent-to-Own Money Traps

10. Going Forward Group Sessions One on One