Freedom.

OptionsChoice.

The ability to change careers, the option to buy a new car, the power to take a vacation. By applying the financial principles of successful corporations to your personal finances, we empower you to take control of your future.

M.Y.O.B.U. is a community of people, resources and courses. We are the secret weapon of successful people. Taking a whole life approach to finances, we consider how each financial decision affects your overall happiness and wealth. We specialize in breaking it down into simple obtainable steps.

WEALTHY PLACE STEPS TM

HIRE YOURSELF

PAY YOURSELF

ENJOY YOUR WEALTHY

PLACE

FIRE YOUR DEBT

MANAGE YOUR

EMPLOYEES

USE YOUR EMPLOYESS

WISELY

GROW AND GIVE

$ 100$ 12$ 28$ 7

$ 15$ 10$ 3$ 20

The average Kellogg Graduate earns $130,000 salary per year

33%

$78,000actual take home

60%

$42,900taxes

3%

$3,900retirement

4%

$ 5,200Insurance

PRIORITIZE THEN ALLOCATEWalk through all your expenses & spend the money on paper or in the M.Y.O.B.U. App before you get paid.

HOW TO BUDGET

RECOMMENDED PERCENTAGES

TRANSPORTATION

10%

INVESTING

10%

DEBT

0%

LIVING

30%

GIVING

10%

GOALS

10%

HOUSING

25%

UTILITIES

5%

TRACK ITTracking your expenses with the M.Y.O.B.U. app is the only way to know where you stand financially.

debt

Travel

Choose whereyou workEnjoy your life

Choose where you live

AVERAGE KELLOGG GRADUATE’S STUDENT LOANS

$69,0007otal Interest Paid

M.Y.O.B.U. IS ABOUT GIVING YOU FREEDOM, CHOICE & OPTIONS.Eliminate debt immediately so you can

First payment due 6 months after graduation

40%of Amount Borrowed

$244,000.Total Payments

$175,000Total Borrowed

$2,030 /mo.7% Interest at 10 Years

6months

debtWHAT YOU COULD HAVE DONE WITH $69,000

7Five Star Trips

BMW 5 Series

(in cash)

Furnish your Home

35Full Sets of Callaway Golf Clubs

3Presidential Rolex Watches

230Bottles of Ace of Spades Champagne

69Pairs ofChristian Louboutin’s

46Louis Vuitton Handbags

Debt: WHAT IF

$51,000 $90,000 $280,000 $870,000$2,700,000

5 YEARSof your life

$36,000In interest payments

IF YOU INVESTED THAT $36,000 IT WOULD BE:(At $600 per month for the 5 years after paying off your student loans)

Let’s imagine you follow the M.Y.O.B.U. suggestions and pay off your student loans in 5 years instead of 10. You’d save:

Earnings

Value

How many years earlier could you have retired?

Imagine, if you continue over paying for all the major life purchases, wedding, car, house, furniture etc.

$15,000 $54,000 $244,000 $834,000$2,664,000

5 YEARS 10 YEARS 20 YEARS 30 YEARS 40 YEARS

What you Drive

LIFE TIME CAR COSTS

Maintenance

Gas

Parking & Storage Fees

Car payment (not rec.)

Auto Insurance

Tolls

TRANSPORTATION 10%WHAT’S IN THE PERCENTAGE:

Pickup Truck($43k)

Luxury Car($65k)

Midsize Sedan($27k)

$516,000

$780,000

$324,000

What you DriveHOW LONG YOU DRIVE IT

12 Cars 9 Cars 8 Cars

$1,560,000

$1,170,000

$1,040,000

New Luxury Car Every

Cars from age 30-75

DOUBLE if you get married

Single $780,000

$585,000

$520,000

Plan on have kids? Each one of them will need a car too.

Keeping a car just 1 year longer significantly lowers the total lifetime spending by $195,000. Double that if you plan to get married.

4 YEARS5 YEARS

6 YEARS

WHERE YOU LIVEHOUSING 25%WHAT’S IN THE PERCENTAGE::Rent

Renter’s Insurance

Mortgage

Home Owner’s Insurance

Hazard Insurance

Property Taxes

Home Owner’s Association Fees

WHERE YOU LIVEBEFORE YOU BUY A HOUSE

Save 20%Downpayment

Housing is still 25% or less of

income

Debt free Save FullEmergency Fund

Ensure workpermanence

Prove consistency with income and discipline with

budget

Know the area Distance fromfrequently traveledplaces

The average Kellogg graduate receives a signing bonus of $24,000.

Here’s how I’d spend it:

THE BONUS

M.Y.O.B. UNIVERSITY COURSE 1FINANCIAL

UNDERSTANDING

MOVING EXPENSES

UTILITY DEPOSIT

APARTMENT DEPOSIT

FIRE YOUR DEBT

PAYING BILLS UNTIL

THE FIRST CHECK

SAVE $1,000EMERGENCY

FUND

WE'D LOVE TO HELP YOU

Devise a plan that helps you achieve your dreams for cars, marriage, a house, kids

vacations and other major life events and still

be rich

Develop a plan to eliminate your student loans, credit card and all debt in 3 years

Determine what things are important to you and help you achieve them

Prioritize your expenses to create a budget

Save for an emergency and identify what to

do in an emergency

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