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Chapter 10:
1.The most important idea in chapter 10 is to make good decisions.
Chapter 11:
1. Saving is not easy because It's hard to sacrifice certain things. It will benefit you in the long run though.
2. A sample budget is so important because It helps plan out how much money you can spend on certain things after you take out all the expenses.
3. "there is no such thing as bad weather, you just have to wear the right clothes." This relates to budgeting and saving because there is no such thing as running out of money. Or no reason to anyways. you just have to plan accordingly and set up a budget.
4. If I don't have the money, then I shouldn't spend it. But one way I could make sure I DO have it is by saving and budgeting.
Chapter 12:
1. Homeownership is part of my american dream. It is always a stress reliever to know that your house is paid off and its YOURS.
2 .Owning a home is not for everyone. Some things you have to take into consideration is your budget, how much money you are willing to set aside for emergencies pertaining to the house. Your salary. The condition of the house. if you have a stable job etc.
3. You shouldn't take an equity loan to the super bowl because It is NEVER a good idea to put your house, and your FAMILY'S home, for a chance at the super bowl.
Chapter 13:
1. When your older, you work when you want to, not when you have to. As you get older, you shouldn't have to work, unless you really want to that is. then you get more money for dong something you want to do. Win-Win
2. YOU are responsible for your financial future
3. $1 will today will not be worth $1 tomorrow. This is because of Inflation.
4. The rule of 72 impacts your financial planning because prices are always raising, so money is always losing its value. In the future, you will need more to buy things, as inflation occurs.
Conclusion:
1. You can plan to be lucky by expecting to be unlucky.
2. He says there is only one person who can predict your financial philosophy. That person is YOU.

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1. As a candidate I though I did pretty decent for never being interviewed before. I was nervous for a split second at first, and then I thought "well whatever happens happens."
2. As the manager interviewing, I felt like I did good, but I could have been better by asking more thought intriguing questions.
3. Writing the questions as an interviewer beforehand kind of prepared me for the questions I would be asked as a candidate.
4. Next time I will ask more in depth questions.
5. Some advice I have for future students in this activity, is one, to just relax and think of it as a normal conversation. That will take off more of the stress. Also, try to mentally prepare yourself the night before. Get everything set out on what to wear, make sure your car (if you're driving) doesn't have any potential problem causing issues, and practice asking and answering questions.
6. Practicing the interview process is so important because it prepares and informs you on how to properly conduct, or participate in an interview process.

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I think I did good as a candidate. I think I was to nervous but I pushed though it.
2. I think I did good and asked the right questions as a manager interviewing candidates for the job.
3. It was ok because I already knew some of the questions that were going to be asked and that prepared me.
4. I would probably go a little more indebt when answering questions.
5. take your time don't stress and talk slowly when you are interviewing and answering the questions.
6. Practicing the interview is important because it gets you more prepared for the interview.

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Interview Trio reflection
1. I think I did really well as a candidate. I as really nervous as I went in, but once the process started I was calmed down. I think i was really fluid with my answers and I asked questions really well.
2. As a manager I did very well. I asked no yes or no questions and when the applicant asked me about the company I felt as though I had the answers already ready.
3. It impacted my performance because when I ask my own questions I answer them myself. Me answering them gave me an idea about how the company worked or how I thought it worked.
4. Next time I would spend more time preparing and thinking about what to say. I think that would really help my nerves calm down. I would also do more research on the company to answer even more fluently.
5. Advice I would give future students is to make sure you are mentally prepared and to be yourself. Why would you want to work somewhere if couldn't be yourself.
6. Practicing the interview process is very important because it just helps you prepare. I am really glad I got the opportunity to try it before I actually did a real interview because I would have been a nervous wreck.

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1. I did well as a candidate. I performed my elevator speech pretty well and answered questions very well.
2. I did very well as a manager. I asked great questions, kept very professional, as well as responded well to answers with body language.
3. It helped a lot because we had ideas about the kinds of questions to be expecting.
4. Next time I would focus on my elevator speech to make it as good of a first impression as I can because that is almost always going to be the true first impression that the employer has.
5. Work on things required for the interview like the cover letter and resume from the start and make sure they are as good as they can be so that you can spend your time planning your questions and answers when you get the trio interview assignment.
6. It helps prepare you for when you have real interviews to get jobs that will impact your life. Practicing interviews gets you prepared for the types of questions that you will receive during a real interview and will help prepare you to ask your employer questions about the job.

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1.I feel like I did well as a candidate. I could have been less nervous and shared more. I also could have spoke more fluently but I think that was just a part of my nervousness.
2. I feel like I did really well as an interviewer. I feel like I asked good follow up questions and stayed professional.
3. Writing questions I learned what an interviewer is looking for. When I was asked a question I could think about what exactly is an interviewer looking for and then give the best possible answer to their question.
4. I would definitely prepare even more. I would want to know more about the company and the job I was applying for.
5. I would tell future students to not be so nervous and to act confident. Rehearse! Rehearse! Rehearse!
6. It is really important to practice for an interview because it helps you have answers prepared. When you are expecting some of the questions it helps you know what you are going to say and makes answering similar questions easier.

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1. Decent, I messed my elevator speech up a little, but other than that I did good.
2. I think I did good as the interviewer. I feel good about my questions that I asked and my responses to the question that were asked to me.
3. It was good because I already knew some of the questions that were going to be asked to me so I could prepare for that a little.
4. I would probably prepare a little more than I did this time and get my elevator speech down more.
5. Just make sure that you prepare and know what you're going into and know the questions that they are going to ask you.
6. It is important because interviews are a one time opportunity to make a first impression and it can either make or break your future career.

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Interview Trio Reflection
1.) As a candidate I think I did a pretty good job. I felt nervous, at first, but as I kept going through the interview I  realized I was having a normal conversation about my skill and the company. I though it would be hard to come up with answers to questions on the spot, but it wasn't that difficult.
2.) As a manager I think that I did a good job. I like asking questions and listening to others answer them. I felt like I got to know people better when I was the manager asking questions. I also thought being manager was a lot less nerve racking because I didn't have to answer as many questions.
3.) Writing my questions as an interviewer impacted my performance as a candidate by preparing me for the type of questions I will be asked.  I went over multiple questions in my head and analyzed answers to them.
4.) I think what I would do differently next time is make better I contact because when I am at a loss for words I tend to look away and find a focus point to think. I also think that I should take a shorter time to answer questions and not pause as much when thinking.
5.) Some advice I would give future students engaging in this activity is to take a deep breath, focus and pay attention to what is being asked and said, and be confident with not only your words, but your body language.
6.) Practicing the interview process is important because people need jobs to live. Getting the job and making a first impression is everything. People need to be aware of the process to get a job and know how it is properly conducted so that they get hired.

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1. How did you do as a candidate?
2. How did you do as a manager interviewing candidates for the job?
3.How did writing questions as an interviewer (dept manager) impact you/your performance as a candidate?
4. What would you do differently next time?
5. What advice do you have for future students engaging in this activity?
6. Why is practicing the interview process important?

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Chapter 10
1.) The most important message from chapter 10 is to start making good decisions now, so that you get in the habit of making good decisions for the future.
Chapter 11
1.) Saving is not easy because sometimes people feel like they don't have enough money to save and they want to spend money on other things.
2.) A sample budget is important to your financial health because it helps you work out how to spend your money and on what.
3.) This quote means  that you can be prepared for financial risk if you have the right budget and mindset.
4.) Some ways I can be sure to HAVE it is to save money from every paycheck, not go out to eat as much, and don't go shopping all the time.
Chapter 12
1.) Owning my own home is a sight in my future because I want to settle down and have a family and I want my family to know they always have a place to stay.
2.) Home ownership is not for everyone. Some factors that need to be taken into consideration are credit score, can you afford it, and what insurance do you have.
3.) You should not use a home equity loan to go to the Superbowl because it is long term security that you are using. You will be in debt if you do this.
Chapter 13
1.) This statement means that you should only work when you are older if you want to and enjoy your job. If you have retirement then you shouldn't have to work.
2.) You are responsible for your financial future.
3.) $1.00 of spending power today won't equal $1.00 of spending power tomorrow because of inflation.
4.) The rule of 72 impacts my financial planning by understanding that the cost of goods and services will go up and making sure to have money to cover the higher costs.
Conclusion
1.) I can prepare to be "lucky" by making smart decisions and never stop learning .
2.) The author say there is only one person to blame for money problems or to congratulate for financial success because he is trying to explain that you are in control of your finances and it is you who makes you broke or successful. You can fix or change the way you spend and save, but no one is to blame but yourself for what happens.

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Chapther 10
1. If you make better choices while you are young you will be better off and have more flexibility later in life.

Charther 11
1. It is hard to save because not everyone can manage their money well. It can hard for people to create a budget and mitigate spending.
2. Because it can show you what your spending money on and it could surprise you. Then once you see it you could cut back on it and keep good financial health.
3. If you are financially prepared for emergencies there will be no problem. Like if you have an umbrella when it rains.
4. To  make sure you have it make yourself a budget. the you can find out what to cut back on so you can make something else happen. Then you can make sure you do have the money to do what you want to more.

Chapther 12
1. Yes it is a dream for me to own my own home. I have just always dreamed of owning my own home and moving out. It is just something I have always wanted.
2. Home ownership isn't for everyone. There area lot of expenses that come with owning a home and not everyone can afford them. It can be hard to find a home.
3. Because it would be a mistake to pass up something that gives you freedom for a lifetime just for instant gratification. It would be a crazy thing to do.

Chapther 13
1. The statement means that you should work only if you enjoy it when your older. If you do get older you don't want to continue working a job you dislike because you have to.
2. You are responsible for your own financial future.
3.This is because the costs of everything else is always increasing but the value of money isn't.
4. Rule 72 impacts my financial planning barbecue I will have to account for the fact that cost will go up so I have to make sure I have enough extra money to cover those costs when needed.

Conclusion
1. You can prepare to be lucky by making smart decisions.
2. He this to drive home the point one last time that your financial success rests in your own hands.

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Chapter 10
If you make smart choices now, then you will make financially stable in the future.
Chapter 11
1. It may be hard because you don't have the room in the budget or unexpected expenses come up and you feel like you don't have the money to save.
2. It gives you something to look at that helps you understand what a normal budget looks like to make yours better.
3. There is no reason that you shouldn't be prepared for emergencies as long as you are prepared with a savings account or emergency fund that can help you pay for the emergency.
4. If you make a budget based on your actual expenditures, then you can make it and decide what you need to cut back on to have extra money for an extra expense, such as mortgage or car payment. You could see what you spend money on that you don't need to, and then decrease that expense.
Chapter 12
1. Owning a home is part of my is part of my American Dream because once you own the home, you don't have to continue paying rent and it is nice to have your own place to live without having to worry about an owner.
2. Home ownership is not for everyone. Factors such as where you want to live or whether or not you are going to be moving around for work often.
3. You shouldn't take a home equity loan to go to the super bowl because if you were saving up like you should be, then you should have the money to go to the super bowl. Plus those tickets are expensive and if you for some reason don't pay off the loan, very bad things can happen to you.
Chapter 13
1. If you have money saved in a retirement account, then you won't have to work to make income and you will only have to work if you enjoy working.
2. Each individual person is responsible for their financial future.
3. Because all money and assets diminish in value over time so 1.00 won't lose value immediately, however it slowly loses value.
4. It can help you understand the value of inflation over time and see how quickly your money will double at any given interest rate.
Conclusion
1. You can prepare for things so it doesn't seem like you are unlucky because you are prepared for the unlucky things that happen.
2. Because you cannot rely on other people for handouts and you should only rely on yourself because you cannot rely on others.

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Chapter 10
Shows the differences of good and poor choices and the outcomes.

Chapter 11
1. We all want to spend our money on wants instead of saving for stuff in the future.
2. It's important to see a vague budget to see where you are financially.
3. Savings a budgets don't have to be so bad if you deal with them correctly, as you would with the weather.
4. I could make myself my own budget and see how much money I have to actually spend.

Chapter 12
1. Home ownership is part of my American Dream. I want to own my own house eventually, but when I can afford it.
2. Home ownership is not for everyone. Some people may not be able afford their own house and renting a house would be better for them.
3. You would be risking your home and putting yourself in financial chaos.

Chapter 13
1. You shouldn't have to work when your older because you should have all the money from savings and and retirement. However, if you want to work when your older still, you can still do that.
2. Yourself
3. Inflation and interest
4. It just shows that it's important to save because your money will not be worth as much in the future so you should save as much as you can so you have more in the future.

Conclusion
1. Start saving early.
2. Because it's your problem if your financial unstable.

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Chapter 10
Show the choices that you make today can effect your future in the long run.
Chapter 11
1.) Savings isn't easy for many Americans because they want to spend but most of them don't bring home enough to save.
2.) Yes it is important to have a sample budget so you can plan for what to spend on what you need and save for the future.
3.) If you are prepared for the future then you will have less worry if something bad happens.
4.) If you don't have the money then don't spend the money if you can't pay it off by your next paycheck then don't buy it. Like the next Xbox coming out will probably cost $700 do I really need it and do I even have the money to spend on it.
Chapter 12
1.) Yes I plan on being a homeowner because I think that it will make me feel more independent.
2.) No I do not think owning a home is the right thing for every one their is a lot that goes into owning a home I don't think many Americans can afford it and for a single person it might not be the right thing.
3.) You would be trading security for a temporary event yes I think it would be great to go to a super bowl but you can see it even closer on T.V. so ask your self do you need it.

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Chapter 11
Saving isn't easy because most people want to spend their money. It can be tempting to not want to save. It can seem like you are wasting your money but in reality you are doing the best thing you can with it.
2. A sample budget is important for your financial health because it can help you plan. With a plan you will know how much to spend on certain expenses and not over spend and go into debt.
3.The quote means that you if you are prepared for any emergency then you will not struggle as much as you would've.
4.Some ways I can be sure that I have it are not going shopping until I put money aside for my savings. I can also can not eat out more than once a month and not buy name brand items.

Chapter 12
1.I would say it is part of the dream because I want to have a house and a family one day but it also isn't a necessity. I understand that a house is a material possession and it isn't a need. I could rent a decent apartment and be just as happy.
2. No. Some people just cant afford it. Also owning a home takes a lot of responsibility. You have to understand all the work and maintenance that comes with owning your own home.
3. You would be trading long term security and success for instant and temporary satisfaction. Going to the super bowl might be fun but being and debt and not having money for groceries sounds a lot less fun.

Chapter 13
1. The author means that you should be financially stable enough when you are old that if you do not want to work you do not have to. He also means that if you are working at that age it should be purely for your own personal enjoyment.
2. Only you are responsible for your own financial future.
3.Inflation causes the value of money to go down and inflation usually goes up with time.
4.It impacts my financial planning because now I know what to expect when it comes to inflation and how to know how much money I will really have in the future.

Conclusion
1.You can "prepare to be lucky" by making smart decisions with my finances. I can do this by investing and saving early, preparing for inflation and retirement. I can also pay off student loans and pay back credit early.
2.The Author says there is only one person to blame for financial failure or success because you are the only person who is responsible for your finances. You have the ability to make good choices and be smart with your money no matter what.

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Chapter 10
The most imortant message in chapter ten is that it is very imortant to make good financial decisions and keep making them throughout your life. Each decison can hurt or help you.

Chapter 11

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1. How can you "prepare to be lucky"?
2. Why does the author say there is only one person to blame for money problems or to congratulate for financial success?

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1. What does the author mean by the statement "work because you want to when you are older - not because you have to"?
2. Who is responsible for your financial future?
3. Why won't $1.00 of spending power today equal $1.00 of spending power tomorrow?
4. How does the Rule of 72 impact your financial planning?

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Many say owning a home is part of the "American Dream".
1. Is home ownership a part of your American Dream?/Explain why or why not.
2. Is home ownership for everyone?/What factors needs to be taken into consideration?
3. Why shouldn't you take a home equity loan to go to the Super Bowl?

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1. Why isn't saving easy?
2. Why is a sample budget important to your financial health?
3. Explain how the quote "There is no such thing as bad weather; you just need to have the right gear" relates to savings and budgets.
4. If you don't have it, don't spend it - so what are some ways YOU can be sure you DO have it? Provide some examples that YOU can and will be able to implement.

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What is the most important message from the shortest chapter in the world, Chapter 10?

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Chapter 4
1. There is no maximum to a student loan.
2. By paying even just a little bit extra on a loan payment you can save a lot of money.
3. I hope to apply for loans that I know i will not only be able to pay off on time but also be able to pay off early.

Chapter 5
1.Credit cards can be helpful in emergencies and can also help you build your credit as long as you are responsible. Having good credit can help you get loans to buy property.
2.I thought the example was disheartening. Even by paying extra money you end up spending way more money than you originally did.
3. You should follow rule #1 because if you carry a balance over you will be charged very high interest for that balance. This can lead to even more debt.
4. In afterthought i learned that you should always pay off the payments with the higher interest rate first. If you let the bigger one sit it will accumulate more interest behind it.

Chapter 6
1. The author says everyone drives a used car because if you are driving it then it is used. As soon as a car comes off the lot the value of it goes down.
2.It is important to understand interest when buying a car because if you do not then you can end up making a bad deal or choose the wrong plan. by knowing about interest, you can choose the best car for the most affordable price.
3. The real cost of owning a car is not just the price of the car. You must pay for gas, insurance and maintenance. All these things should be factored in when deciding what car you can afford.
4. It means you know what you need verses what you want. Knowing this helps me to understand the real cost and value of things.
5. The one exception to this rule is if you qualify for a zero-interest loan. If this is true negotiate for the longest financing term option available.
6. With purchasing a used vehicle you have a significantly lower payment. A used car will be more affordable. There is also a lower depreciation and in some states there are even lower registration and licensing fees. Insurance also usually costs less for used cars than new cars.
7. I will definitely be buying a used car in the future. As a person who does not really car about what kind of car I have i will definitely be trying to purchase a cheaper car and now I will know how to find out what I can afford.

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Chapter 4
1. There is no maximum payment on a student loan.
2. One effect of paying more than the minimum on a student loan is that it lowers the interest payed overall throughout the loan period.
3. The information from this chapter influenced me that even if I may not like it, I should try to pay as much as I can every month on student loans.
Chapter 5
1. Some reasons that credit cards are a good idea would be if you have an emergency. It is very important to have a back-up back-up plan.
2. My reaction to the example provided was that I thought it was pretty extreme, but I knew that it was common.
3. I should follow rule number one because if I don't pay the minimum balance every month, then it will bite back in the future.
4. In 'Afterthought" I learned that you should always pay the debt with the highest interest rate. That will lower your overall debt.
Chapter 6
1. The author says "everyone drives a used car" because the moment you drive out of the dealership lot, the overall value of the car drops.
2. Knowledge of interest is important when buying a car because if you calculate the overall interest of each plan, you could choose the best one.
3.The "real cost" of owning a car is how much you payed for it. How much your loan is each month. Gas, maintenance etc.
4. Knowing how much of something you can afford, is calculating up how much money you have to spend, in order to be able to still buy your necessities. 5. The exception is if you qualify for an interest loan with a rate of 0.
6. Some benefits of purchasing  used vehicle are that it is cheaper, the insurance premiums are lower, and in some states the price to license and register are lower as well.
7. All of this information about buying a car is critical in my future. I will probably need to buy a more fuel efficient car when I get out of high school and into college. This chapter showed me how to do so smartly.

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Chapter 4
1.) There is no maximum payment on a student loan.
2.) The effect of making one payment instead of having minimum payments you will pay less down the road because there is less to pay off and your interest will go down.
3.) The information in this chapter will help me in my future because I know to pay more then the minimum payment each month.
Chapter 5
1.) A good reason to have a credit card is so that you have money in your pocket if you ever need it.
2.) It surprised me because you are paying more then double if you jest pay the minimum payment and at $60 dollars a month your are still paying $732 more then what you spent.
3.) We need to follow rule #1 because it will help us keep a good credit score  and it tells us not to carry a balance from month to month.
4.) Pay off your highest debt first and the lower the interest rate the lower your overall loan payment will be.
Chapter 6
1. Because wants you drive it off the lot its a used car.
2. Knowing the interest will help you keep your payment low.
3. The real cost of owning a car is you are going to spend money on that car no matter what between oil changes and filling up your tank with gas it cost money to drive a car.
4. Knowing how much car you need is Important because if you don't need a truck to hall things then jest get a car.
5. Means the more you spend on a car the more you will have to pay because of interest.
6. Some benefits to have a used car would be  less payment on the car and lower interest rates.
7. Don't buy more car then I need to save money.

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Chapter 4
1.) There is no maximum payment you can make on a student loan. You pay the most you can.
2. The effect of making at least one payment of a student loan in excess  of the minimum payment especially if it is early in the loan repayment process is  the interest goes down which means the overall price goes down.
3.) The information in this chapter will impact my financial planning for post secondary education by helping me get out of debt quicker.
Chapter 5
1.) Good reasons to have a credit card are in case of an emergency and credit score so you can buy a car or a house in the future.
2.) The example was shocking to me.
3.) It is good to follow rule number one so that you get out of debt quicker and receive a higher credit score so that you can make big purchases in the future such as a house or car.
4.) I learned that you should pay off higher interest rates so that you won't be in debt as long and even more so and so you can receive credit score.
Chapter 6
1.) The author says everyone drives a used car because once a car is driven off the lot the value of the car goes down by thousands of dollars.
2.) The knowledge of interest is important in considering buying a car because you don't want to pay more for a car than what it is worth and if you take a long time to pay for it then the interest goes up more and more so the overall price can be ridiculous.
3.) The real cost of owning a car is so that you learn about what the effect of interest rate can do on a car payment.
4.) How much car you can afford means how much money you can afford in your budget while paying for living and other things.
5.) The exception to this rule is the zero interest loan.
6.) Some benefits to purchasing a used vehicle is you don't have to pay as much on car payments or insurance.
7.) I will use this information in the future by remembering what I can afford and what I need so that I don't go into debt when buying any large purchase.

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CHAPTER 4
1. There is no maximum payment.

2. It will cost less in the end because there will be less to have interest put on.

3. I will pay of these student loans with high interest quickly so it saves me time, money, and grief.

CHAPTER 5
1. It is good to have a credit card for emergencies. Credit cards are a good source of emergency funds.

2. I felt like that was something   I already knew and the book confirmed that.

3. It is good to follow rule number one because it will save you a lot of money to pay off everything that is on the card monthly rather than over time with interest.

4. Pay off things with higher interest first because it will cost more in the long run.

CHAPTER 6
1. That is because as soon as the car comes out of the lot it is used so, if a car has been driven then it is used.

2. It is important because you have to know what the total cost of the car is going to be. If a car has really low monthly payments it probably has high interest.

3. The real cost is a lot more than what is shown. You have to think of the price with interest, insurance, gas, and more.

4. Know what is okay to take out monthly and put towards a car and make sure you are able to stay on top of all the costs.

5. If you qualify for a zero interest loan.

6. It will costs less, has a lower depreciation value, lower registration and licensing fees, and lower insurance premiums.

7. It will help e in the future because I know now that it is probably best to get an used car to begin with and also I know what thins to look for when buying a car that will save me money.

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Chapter 4
1. There is no maximum payment.

2. It leads to a smaller total payment at the end of the loan.

3. I will try to pay off my college debt as quickly as possible.

Chapter 5
1. For emergencies and to have a good credit score.

2. It surprised me that even one payment over the minimum will help you a lot.

3. So I don't have a lot of debt that will snowball into much more debt.

4. Pay off the loan with the highest interest rate.

Chapter 6
1. Because everyone does drive a used car and you shouldn't feel bad about it.

2. So you don't get a loan with a lot of interest on it and it can still be manageable.

3. There are the closing costs and the sales tax. There is also the interest-rate effect. After that there is going to be a maintenance cost and a insurance cost. There will also be a fee for licenses.

4. It means make sure you don't pay more than you can handle so you won't be in debt forever.

5. The zero interest loan.

6. It is cheaper, lower depreciation, lower registration and licensing fees in some states, and lower insurance premiums.

7. To make sure I don't get into too much debt and to manage my debt and loans better.

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Chapter 4
1. There is no maximum payment.
2. It will greatly reduce the amount of interest you will pay on the loan.
3. It will not affect my financial planning for post-secondary education because I wasn't planning on taking out a loan for college.

Chapter 5
1. You can have an emergency line of getting money to pay for something that you may not have the money for at the time plus you can get a higher credit score.
2. I found the example very interesting.
3. Because it can help you get a higher credit score so it is easier to buy things in the future.
4. I learned that you should pay off higher interest rates.

Chapter 6
1. Because as soon as you buy a brand new car and drive it off the lot, it becomes a used car and loses value quickly.
2. So that you know the effect high interest rates can have on the total price paid on a car loan.
3. Paying for owning the car, paying for gas money to get places, and all maintenance costs.
4. Knowing how much of a payment you can pay and not just getting the car that you've always wanted.
5. If you qualify for a zero interest loan that lasts a long time but with no interest.
6. Lower purchase price, Lower decline in value over time, lower registration and licensing fees in some states, and lower insurance premiums.
7. The car information and credit card information probably a lot, but not as much on the student loans part.

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1. Why does the author say "everyone drives a used car"?
2. Why is a knowledge of interest important in considering buying a car?
3. What is the "real cost" of owning a car? (This is often refereed to as TCO - total cost of ownership - in the business world.)
4. What is meant by knowing how much car (or anything) you can AFFORD?
5. What is the exception to the "longer you finance, the more interest you pay" statement?
6. What are some benefits to purchasing a used vehicle?
7. How will you use this information in the future?

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1. What are good reasons to have a credit card?
2.What was your reaction to the example?
3. Why should you follow Rule Number 1?
4. Summarize what you learned in "Afterthought".

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1. What is the maximum payment you can make on a student loan?
2. What is the EFFECT of making at least ONE payment in excess of the minimum payment of a student loan - especially if it is early in the loan repayment process?
3. How will the information in THIS chapter impact your financial planning for post-secondary education?

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1.) Chapter seven started out with a story about a man who moved to America with a small amount of $7.50. He ended up creating a life for himself and getting married. He had four very successful children. The book explains how even starting out with that small amount, you can build on top of it to be successful.
2.) Two things that I can start doing now that relate to the chapter are one, getting a job, because any job is better than no job. And two, I can begin disciplining myself now to give up my wants and focus on my needs first. If I get in that habit now, then i will hopefully continue that habit in the future.
3.) Two things that I can do within the next year are one, start putting a percentage (even if it is low) of every paycheck into a savings account. Another thing is beginning to look into scholarships and focusing on those needs before I waste that time with friends or other alternatives.
4.) One of two things I can do after high school that relate to this chapter is to focus on college. The other is to probably look into a higher paying job to pay off any college debt. (of course I will stay with the current job until I know I have been accepted to the other.)
5.) My motivation for getting all of this done and disciplining myself is the kind of future that I want. I don't want to be bad off in the future and i want to be smart with my money.

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1.) The big message in chapter seven is  to take care of your future starting now.
2.)A couple of things I can do now is get a job and save money.
3.) This year I can apply for jobs and talk to someone at the bank about getting an account  set up for myself and talk to them about saving instead of taking my savings out when I am 18.
4.) Two things I can do after I graduate is make smart purchases so that I can buy a house or pay off college faster and I can also save money out of every paycheck. I can cut back on things I don't need such as Starbucks or a TV.
5.) I will find the motivation to discipline myself with the help of people around me. My parents, religion, and friends encourage me to save my money. I also look at society around me today and as a reminder to not be like them.

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1.) The big message in chapter 7 would  have to be pay your debt of early and building financial security for the future and any job is better then no job.

2.) 2 things that I can do to relate to this chapter are getting a job now even if I don't like what I'm doing and saving a percentage from every paycheck to plan for the future.

3.) 2 things I can do after graduating high school is get a job to pay off any college debt or any other debt I have and if I buy a house make sure I get stuff that I need not stuff that I want like cable television or two cars to cut back on how much I have to pay off every month.

4.) How will I find the motivation well I will remember that if I don't spend the money on cable television I could maybe save that money and use it to go on a vacation that would be the motivation to remember to save and only spend money on thing that I need not want.

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1. The main idea of chapter seven was that if you budget and spend your money wisely like Daliso, you can be successful like him. Also, you should take any job that you can as soon as you can so you start saving up money instead of waiting for "the right job".

2. One thing I can do is start saving up more money, because I already have a job. Another thing I can do is try not to spend so much on wants and focus on needs.

3. Something I can do this year is just to continue to save up money and continue to work hard at work to possibly get a raise. Another thing I could do is not burrow money from people so that I am not in so much debt to start out with.

4. After graduating high school I can keep my job to continue to have a steady income and continue to save up. Another thing I could do is ration myself on certain things so I don't waste my money buying more than I need. I can motive myself by telling myself that I need the money for college and paying off debt quickly.

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1) The main idea of chapter 7 is to get a job and get to where you are earning a steady paycheck to live off of while you are waiting for your "better opportunities". Even if you aren't making very much money off of that job, any money that you make is better then making no money at all. It talks about it being your responsibility to know when you are having trouble financially and selling things if you need to in order to get by a little bit longer.
2) Right now I could probably get a job to start earning income while I wait for college. I could also start saving up after this and start planning even if it is a very simple plan right now.
3) I could still get a job during high school, however I would be getting closer to graduating so I will be able to plan out my future of going to college much better then I can right now.
4) After high school, I will be in college, which will leave me with much more time to get a job, as well as planning out my college path and what classes I would take and what major I would pursue. Also, I could really start planning and budgeting by then because I will be living alone and will need to do that in order to help myself financially.
5) I will find the motivation to do these things by remembering past mistakes I have seen people make and just not wanting to follow in the same path that they did.

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1. Chapter 7 is all about not waiting for job opportunities you'd like, but seeking any you can get right now. You need to making money and the book says "any paycheck is better than no paycheck." It also talks about taking responsibility financially  and to weigh your wants and needs to figure out what is most important.

2. There isn't really anything I can do right now that relates to this chapter. Except maybe weighing my wants and needs and just getting getting into that mindset.

3. In a year I will hopefully be  able to afford a car and be able to get I job. I will relate to the chapter because I have a job and am not waiting for a job I would really want. I also hope that I will take responsibility for my financial security and realize that it is up to me.

4. After high school hopefully I can get a job with some extra money being made and I don't immediately start living pay check to paycheck. This will be very helpful because the book said 70% of people in the United States live paycheck to paycheck.

5. I think to find the motivation to follow through with all this will have to come from me. I think that if I sit down and think about it for a long, long time, I will be able to harness my full power and finally became financially responsible. It will be like a new found super power I have but the only person I can save is myself.

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1.) The main idea of Chapter 7 is the importance of having a steady paycheck. The book talks about how have any kind of paycheck is better than nothing. It also talks about why you should never pass up a job because it is too easy or you feel above it. You should not wait for the perfect job opportunity, instead try to make money now while you wait.
2.) One thing that I can do now is get a job. Even a minimum wage job is better than not have any kind of steady income.
Another ting I can do now is weigh my needs and wants. I can look at how important the things I am spending money on are.
3.) This upcoming year I can work to keep a steady job and save my money.I can also be smart in how I use that money and not spend it on things I do not need.
4.) After high school I can use my money in the best ways. When I am paying for my own house I can decide if I really need things like cable TV or fancy decorations.
5.) I will find motivation by constantly reminding myself of my goals. If my goal is to pay back my student debt then maybe I don't need a new car or nice clothes. I can ask myself what is more important to me so I am able to spend my money wisely.

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The top three take-aways in the information from chapters 9 and 9 1/2  are saving early, investing in retirement early, and never take out of your retirement money. These three suggestions are beneficial for the rest of your life because saving early can make you feel comfort in case of emergency, saving for retirement early can leave you with more money after retirement, and never take out of retirement because you will have less money in the future or you will might have to keep working. I think the author created chapters 9 and 9 1/2 because he wanted to give a better understanding of investment and why it is so vital to save. I think that I do have the discipline to save when it matters most because I already save all the time.

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1.)The most important concept of chapter 9 was Investing in you future like retirement because you don't want to plan on getting a big check from social security you will need more money.

2.)Chapter 9 1/2 focused on what you can do to start saving for the long run it tells you to open a ROTH IRA account because you can collect interest on that money and then pull it out when you retire tax free and it also tells you to save each month and start collecting interest off what you are investing.

3.) It is very hard to discipline yourself into saving for the future because you have money right now and you know you will have money later on but you need to start saving now to prevent not having enough money in the future.

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1.) The top three key points made in chapters 9 and 9 1/2 are one, that you should start saving early. Two, Investing in retirement early is beneficial in the long run. Especially with Roth IRA. And three, When you start investing and saving, give yourself enough money to get on and do the things you need, but still make sure you have a fair amount appointed to savings.
2.) I think the authors wrote chapters 9 and 9 1/2 to explain to people how important it is to save, and how to do so where you aren't worried about if you have the money now.
3.) It is very hard to discipline yourself truly to saving. I know that many people still love certain luxuries and its hard to give those up. I don't know If I have that discipline all the time, but when it really matters, I will do my best.

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1.) One of the main things I got from chapters 9 through 9 1/2 was that it is important to start saving early. The book shows how much you could save if you start earlier and how it might not seem necessary at the time but you will be thankful later on.
Another thing I got from these chapters was to start saving from retirement early. Take advantage of your 401K as soon as possible. More people are depending on social security and they aren't contributing back to it. this is not helping our country's debt problem. You can make more money be simply starting sooner.
Lastly I learned to never take out of your retirement. It might seem tempting but you must keep everything there there. If you take money out it will be difficult to get it back in time.

2.) I think the authors wrote these chapters to help the reader better understand investing. If people know how to invest and make money then more people will have money.

3.) I believe I have what it takes to be disciplined with money when it matters. I don't have much money now but i feel I am responsible with what I already have. Sometimes probably like to spend more than I should but when it really matters I am able to take care of my money and use it wisely.

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1. I think that the top three takeaways from chapters 9-9.5 are investing now, putting money into retirement as soon as you can, and not taking money out of your retirement plan until you retire.

2. I think there was a chapter 9.5 because the information in chapter 9.5 wasn't entirely different from chapter 9, but chapter 9.5 went more into depth about some of the stuff and gave specific examples.

3. I do think that I have the discipline to save when it matters most. I've grown up around half my life living paycheck to paycheck, so I know how to spend money wisely and the importance of saving money,

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1. Investing in your retirement or just investing in general is a smart thing to do and you should start doing it as early as possible. It is good to invest a stable amount and not to access the money until you retire because there are usually fees that come along with accessing the money early. A Roth IRA is a good thing to invest in because you can access the money completely tax free when you are old enough to retire.

2. I believe the author created a chapter 9 1/2 because he wanted to better explain different ways of investing, particularly to explain the Roth IRA because it is a very good way to invest.

3. I believe I have the discipline it takes to save money but I don't have any money to save yet so I'm not sure yet.

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1. I think the main things I took away from chapters 9 & 9 1/2 is to start investing now, make sure when to invest what is going on with your money, and to look more into Roth IRA because that can help you earn a lot of money if you start now.

2. I feel like there is a chapter 9 1/2 because the author felt like the Roth IRA is something that everyone should know about. So, he gave it its own chapter to show how important he thinks it is.

3. I'm not sure if I have any money to save yet. But, if I did I'm not sure if I could save consistently, and that worries me. All I can do is, when I do start making money,try and force myself into a habit of doing it and hopefully I'll be able to.

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What are the top 3 "take-aways" from the information in Chapters 9 and 9 1/2?
Why do you suppose the authors created a chapter 9 1/2?
Talk is cheap - DO YOU have the discipline it takes to save WHEN IT MATTERS MOST?

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Chapter 1: The most important concept in Chapter 1 is that personal finance is very important to our every day lives. We use the concepts of personal finance daily.

Chapter 2: Chapter 2 is about how to plan for life after college. Most of the time, College graduates are in debt for many years. This chapter explains how to save up for, and prepare for, life after college.

Chapter 3: The key concept of this chapter was to explain the reasoning and preparation of debt. Whether it is because of college, buying a house, or even a car. Chapter three shows how to plan for debt.

Personal finance has a huge impact on our lives. Saving for college ahead of time, and for life after, is the key to starting off right. Paying off debts early and not blowing money is huge. Knowing everything you can about financing your life, early, before your life starts, can set up  your future very nicely if done right.

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1) Why knowing personal finance and making smart decisions in your life can help you to live the way you want, so that you don't have debt and other financial problems hanging over your head telling you how to live your life. It explains how many Americans live their life poorly and make terrible financial decisions that hurt them in the long run and keep them from living life how they want.

2) Don't spend as much money on things you don't need, because if you are like the average person, you will not have extra money to spend on extra things in addition to necessities as well as student loans. If you ask do I need it? and if so Why?, then you can greatly increase your chances of living a financially stable life.

3) Know everything about your debt and and understand how debt works, as well as principal and interest. This will help because almost everybody will have to borrow money at some point in their life for some reason or another, and knowing how much they have to pay, as well as how often can help them to pay it off more efficiently.

4) I can use the information in the first three chapters to help me make decisions in my own life that are financially smart and keep me living the way I want. The information it gives is very simple common sense information about being smart with your money, know how much you make and how much you have to spend, spend less then you make, and know everything about your debt, but all the information it gives can help anybody live a financially stable life.

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1. In chapter one it explained why knowing about personal finance is an important thing in your life. It basically tells you that you need to pay attention to what you lean and also retain the information that you pick up.

2. Chapter two starts to give some real life examples of why personal finance knowledge can be very important. There are a lot of statistics and numbers it shows to back the information it talks about. It also gives you a lot of phrases to remember that could be useful later. In this chapter it also explains how to save up money and why you should save early and save a decent amount so that you can be prepared for the real world once you graduate form college.

3. In chapter three you learn exactly what dept is and why it is important to pay off debts as quickly as possible. It also explains why people could go into debt and when you should know to go into debt if you have to.

4. I can definitely use all the information in these chapters because it is all very important things that you need to know. Like knowing to pay off debts quickly is very important. Also knowing to start saving early and saving a good amount is useful.

(Idk if I mixed up any information in the chapters. They all kind of blurred together for me.)

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Ch 1.)  The most important concept in chapter one is financial importance. The book talk about how every decision has a consequence whether it is good or bad and how everyone is effected by these choices. The book encourages people to spend their money wisely.
Ch 2.) The most important concept in chapter two is financial debt. The book explains how people may end up in debt and how to prevent debt.
Ch 3.) The most important concept in chapter three is student loans. The author(s) try to explain how easy it is for young people to end up in debt because of student loans. This message was intended  for all ages though because student debt follows most people for years.
4. Explain)  I might use the information from the first three chapters in my life when I get a job and start saving for college and a new car. I would like to make sure that I won't go into a lot of debt and be able to live a good life with little to no financial burdens. I would also like to save for retirement one day. I think this book is a good source of information to help people in life with financial mistakes before and after they happen.

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1. Chapter one talked about what the main premise of the book will be and the importance of financing. You can see this through the title of the chapter, "Why This  Financial Stuff Matters".

2. In chapter two the most important thing it talks about is what college finances look like. It talks about where college students are financially after they graduate and what their spending looks like. This is important because it lets us know where we will likely be after graduating college.

3. The most important thing in chapter three was knowing your debt. It is important to know and understand your debt so you know how to handle and deal with it.

4. I can use the information given to me in the first three chapters by applying it to my current financial life so that I have an early start to a healthy and stable financial life.

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Chapter 1 focused on debt, 43% of American house holds spend more then they earn each year and debt because they did not save enough for retirement so they have to borrow more money.

Chapter 2 focused on college debt and credit card debt and student loans coming out of college are 25,000 and credit card loans are $4,100.

Chapter 3 focused on debt could be a good thing for like a business borrowing money to help get there product started.

4.) The way I could use these first three chapters is start saving now so I don't have a bunch of debt coming out of college and try not to use a credit card and if I do don't miss a payment.

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1.)The most important concept in chapter one was why it is so important to be knowledgeable about finances and how debt and finances affect everyone. The book discusses statistics showing how many people are affected by the choices they make with their money.

2.)Chapter two discusses how and why it is important to be smart financially even at early stages in life. It gives several examples and statistics on college debt and student loans. It talks about good habits such as not letting your spending dictate your saving and how to manage expenses.

3.)Chapter three discusses why understanding debt is important and how to understand debt. It also talks about how having less debt equals more freedom and gives a few rules to follow to help manage debt.

The information in the first three chapters is important to my life because finances affect everyone. I can use the principles in the book such as only owning one credit card and being knowledgeable about principal and interest. The book discusses how important it is to make smart financial choices from early on. I can start using these habits and rules now to help me in the future and especially when I have student loans in the near future.

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Explain how you might use the information from the first three chapters in your own life.

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Explain how you might use the information from the first three chapters in your own life.

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What was the most important concept in Ch 3?

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1. What was the most important concept in Ch 2?/ Why?

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1. What was the most important concept in Ch 1? Provide evidence for your response.

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1. What is the big message in Ch 7?
2. Identify 2 things you can do NOW that relate to this chapter.
3. What 2 things can you do in the next  year that relate to this chapter?
3. What 2 tings can you do after graduating high school that relate to this chapter?
HOW will you find the motivation or discipline to follow through?