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I will save for this because if I ever get fired from my Job I will still have money to pay my bill and buy food for my family. I will start saving when I get my first Job,. I will start putting little amounts away in a savings account. When I get raises or a better job I will start putting more money away.

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I will start saving for my education right now, because when you start saving early then it is better for you in the future. Saving now also helps pay for your student loans. When you get out of college, you usually are in a lot of debt. So saving now will be the best for me

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I need life insurance because since I have a dangerous job it helps my family financially. This is only if something happens to me.

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Collision and Body: It is the law to have car insurance. I need this just in case I get in an accident, because accidents can happen at any second.

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I need this because I am buying a home. If something happened to my house, my insurance with help cover it and I don't have to pay for all of it and have no money.

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At the beginning of my career, I will put 200 hundred dollars a paycheck into a savings account for emergencies. later when it reaches a certain amount like $5,000, I will put it in a money market. Every time I get a raise, I will bump up the amount each month. The reason why is because I have seen my grandparents retire with no money.

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I would buy a used car first or take one from parents until I am able to buy a new car. To buy a new car after I just bought a house would be really dumb of me, so I would start saving right away for a car.

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Type and other details with why/ reflection: Medical, vision, and dental. This is because just in case I get hurt. So I can have regular checkups. This is good to have  for the type of job I am going into. Dental is so I can get regular checkups and if something happens to my teeth. Vision is for just in case something happens to my eyes.

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Credit Card name: Launch Card

Benefits/ Information: It establishes positive credit history. Starts with as little as 150 dollars and there is no annual fee. There is credit line increase opportunities. There is a payment history report to the three major credit bureaus. It comes with chip technology to protect from fraudulent activities.
APR= 18%
Default fees= $5 or 3% of cash advance amounts.
penalties= $25 or minimum payment for returned
payment.
rewards= Convenience checks

why/reflection: I chose this because it would be my first credit card and I wasn't to build up my credit as soon as possible. This credit card will help because it is a credit builder. I would want to buy a car in the future so this is also why I chose this credit card.
https://www.bcu.org/Products/Credit-Cards/United-States

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Cost of Home= 108,000
20% Down Payment= 21,600
Property Taxes=2,181
Loan Amount (amount financing) = 86,400
Monthly Payments=713
Reflection: Yes it is. Monthly payments would cost $713 and that includes property tax and home insurance. I would still have over 2,193.5 a month to budget food, utilities, and savings.
https://www.zillow.com/homes/for_sale/Grayslake-IL-60030/2137152774_zpid/84295_rid/3-_beds/pricea_sort/42.405206,-87.937661,42.27299,-88.17215_rect/11_zm/

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Bank Name: BCU
Accounts Chosen: Power plus checking
Information: BCU was created in 1981. A group of executives at Baxter Healthcare made a decision to create a new credit union for the convenience and financial well-being of their employees. They quickly grew to $500 million assets in 1999 and then to more than $2.8 billion in assets and over 200,000 employees. They have grown to be in the top 100 credit unions in the nation.

Why/ reflection I chose this bank: I chose this bank because my family has been apart of it for over twenty years. It has incentives for checking and  car loans. I has easy online banking and it allows you to bank on an app off your phone. Some of the perks that the bank offers is points on a visa check card and the points can be used for travelling. It also offers interest rate, which is good for saving money. For this bank there are no ATM fees if your use it at their locations. When on the website, you are able to see mortgage, car loans, checking accounts. One last reason why I chose this bank is because my dad use to work at Baxter Credit Union.
https://www.bcu.org/

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For retirement, I take part of my income and put it in my IRA roth. What and going to live by is don't spend what you don't have. The reason why I chose Roth IRA is because it lets the money grow tax free.