YourPlayingGrownup“Experts”

JustinThomas AmyThomas• MBA• CEOCrossComm• Investingsinceage16

• Part-timebookkeeper• Full-timeMom• Masterorganizer

FinanceSeminarOptions

1. First Day at the Job

• Paperwork• Rock out your W-4• Health Insurance

3. Financial Summit

• Personal budgeting• Credit 101• Giving back

2. Power of Interest

• Investing• Credit• Student loans

4. Tax Love

• What you need to know• Items to keep• Buzzwords to know

FinancialSummit

WhatisaFinancialSummit?

• Answers3BasicQuestion• WhereamIfinancially?• Whataremyfinancialgoals?• Whatismyplanforachievingthesegoals?

TopExcuses

Excuse#1I’mNotRich

• Youmayneverthinkyouarerich

• Weneedtobebetteratbeingrich-today

Excuse#2I’mNotMarried

• Wearecalledtobegoodstewardstodayregardlessofrelationshipstatus(Matt25:14-30)

• Developgreathabitstoday

Excuse#3IDon’tHaveTime

• Yourgreatestassetistime

• It’sallaboutwhenyoustartsaving

FinancialSummitExample

FinancialSummitSampleAgenda

• Answerthe3Questions• WhereAmI?• WhatAreMyGoals?• HowdoIGetThere?

Question1

Q1.WhereAmI?

• Determineyourcashbalance• Knowthevalueofanyinvestments• Determineyourtotaldebt• Lastmonthdidyouspendmoreorsave

morethanyouearned?• Reviewyourcreditreport&scores

AnnualCreditReport.com

CreditKarma.com

CreditScoreFactors

Paymenthistory35%

AmountsOwed30%

Credithistory15%

Inquiries10%

TypesUsed10%

Question2

Q2.WhatAreMyGoals?

• SuggestedQuestions:• Whatdoyouexpectyoursalarytobe?• Howmuchdoyouwanttogive?• Whatjobdoyouwanttohave?• Wheredoyouwanttolive?

• Considerthisyear&longterm

Question3

Q3.HowDoIAchieveMyGoals?

• EstablishaRallyCry• Yourpersonal2-6monthfocus• Examples• GetoutofDebt• Make&LiveonaBudget• StartInvesting

Q3.HowDoIAchieveMyGoals?(cont’d)

• EstablishaProcessforTrackingYourRallyCry

• HaveanEncouragementPartner

RallyCryExamples

RallyCryExample1:GettingOutofDebt

$0.00

$2,000.00

$4,000.00

$6,000.00

$8,000.00

$10,000.00

Visa Mastercard StudentLoans

AmountOwed

8%16%

5%

RallyCryExample2:LivingonaBudget

• Save$500inanemergencysavingsfundasap

• Rentshouldbe25%orlessofyourtakehomepay

• Weeklyreview• Haveagivingstrategy

WhatIsaGivingStrategy?

• Establishwhatyourgiving%willbe• Whatcapturesyourheart?• Considerthisajourneyofgenerosity

Budgeting:Amy’sStory

• FirstFinancialSummit

• AttemptingaPlan

• AdjustingaPlan

Mint.com

EveryDollar.com

RallyCryExample3:StartInvesting

• Maxoutanyretirementmatchingbenefitsatwork

• Openupafreepersonalonlineaccount(ETrade,Scottrade,Robinhood)

• Investinthestockmarket• S&P500ETFindex• Mutualfunds

• Reinvestdividends

TrackingYourProgress

RemembertoHaveFun!

TreatYourself

HaveFunWithMoney

• Rewardyourself

• Startgeneratingcreditawards&positivecredithistory(onlyifyoucanpayoffthebalanceeverymonth)

• Giveoutrageously

StayinTouch

• Sign-upforoure-mailnewsletter

• @PlayingGrownup

• Facebook.com/playgrownup

• @PlayGrownup