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      <title>Brown. Saving Money for College  by </title>
      <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm</link>
      <description></description>
      <language>en-us</language>
      <pubDate>2025-09-26 15:03:26 UTC</pubDate>
      <lastBuildDate>2025-09-29 01:25:25 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
      <image>
         <url></url>
      </image>
      <item>
         <title>1. Opdyke 27</title>
         <author>captfletchbrown</author>
         <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606033502</link>
         <description><![CDATA[<p>“The other two -saving and a judicious use of debt- flow directly from an ability to keep your wallet closed” (Opdyke 27)&nbsp;</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-26 15:08:08 UTC</pubDate>
         <guid>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606033502</guid>
      </item>
      <item>
         <title>2. Opdyke 33</title>
         <author>captfletchbrown</author>
         <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606034571</link>
         <description><![CDATA[<p>“Along with curbing your spending, set up a savings plan in which you pay yourself first” (Opdyke 33).&nbsp;</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-26 15:08:54 UTC</pubDate>
         <guid>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606034571</guid>
      </item>
      <item>
         <title>3. Ferrera 193</title>
         <author>captfletchbrown</author>
         <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606036074</link>
         <description><![CDATA[<p>“Saving is the money you put aside for emergencies or for a specific purpose, such as a purchase you plan to make within five years or so.” (Ferrera 193).&nbsp;</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-26 15:10:10 UTC</pubDate>
         <guid>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606036074</guid>
      </item>
      <item>
         <title>4. Ferrera 197</title>
         <author>captfletchbrown</author>
         <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606037452</link>
         <description><![CDATA[<p>“Although saving can be hard, there are a few steps you can take to help you get started. These include setting goals, planning, and “paying yourself first.” Many experts consider this last step the golden rule of saving.” (Ferrera 197).&nbsp;</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-26 15:11:06 UTC</pubDate>
         <guid>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606037452</guid>
      </item>
      <item>
         <title>5. Kiplinger 1</title>
         <author>captfletchbrown</author>
         <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606038393</link>
         <description><![CDATA[<p>“Net price evaluating tools may also open new horizons into what is financially possible. That dream private college that costs $90,000 and seems out of reach -- don't rule it out. With the right tools, you might discover unexpected financial aid opportunities that bridge the gap.” (Kiplinger 1).&nbsp;</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-26 15:11:53 UTC</pubDate>
         <guid>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606038393</guid>
      </item>
      <item>
         <title>6. Kiplinger 1</title>
         <author>captfletchbrown</author>
         <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606039264</link>
         <description><![CDATA[<p>“After you have utilized Federal Direct Subsidized or Unsubsidized Loans and/or savings, consider work-study options. Federal work-study programs and/or non-sponsored part- or full-time jobs can help students generate income to directly pay their tuition each semester.” (Kiplinger 1).&nbsp;</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-26 15:12:30 UTC</pubDate>
         <guid>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606039264</guid>
      </item>
      <item>
         <title>7. IRS issues 5</title>
         <author>captfletchbrown</author>
         <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606042463</link>
         <description><![CDATA[<p>“The basic costs of college are tuition which is the amount of money that colleges charge for instruction and attendance; fees, which cover other costs, like athletic activities and special events; and other expenses, including room and board” (SIRS Issues 5).&nbsp;</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-26 15:14:56 UTC</pubDate>
         <guid>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606042463</guid>
      </item>
      <item>
         <title>8. IRS Issues 5</title>
         <author>captfletchbrown</author>
         <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606043601</link>
         <description><![CDATA[<p>“Even if a student wants to go to a more expensive school, financial aid (money available from state governments, colleges, and the U.S. Department of Education) can help those students who have planned ahead and worked hard in school pay for college.” (SIRS Issues 5)&nbsp;</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-26 15:15:48 UTC</pubDate>
         <guid>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606043601</guid>
      </item>
      <item>
         <title>Connection</title>
         <author>captfletchbrown</author>
         <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606072250</link>
         <description><![CDATA[<p>These two quotes connect because they are both talking about making a plan and setting a goal for your financial spending and they both mention the plan of paying yourself first</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-26 15:37:49 UTC</pubDate>
         <guid>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606072250</guid>
      </item>
      <item>
         <title>Connection</title>
         <author>captfletchbrown</author>
         <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606074575</link>
         <description><![CDATA[<p>These two quotes both talk about saving money in order to keep your financial debt down.</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-26 15:39:43 UTC</pubDate>
         <guid>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606074575</guid>
      </item>
      <item>
         <title>Connection</title>
         <author>captfletchbrown</author>
         <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606076681</link>
         <description><![CDATA[<p>Both of these quotes talk about the main purpose of saving and what it actually means to save for future expenses.</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-26 15:41:25 UTC</pubDate>
         <guid>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606076681</guid>
      </item>
      <item>
         <title>Connections</title>
         <author>captfletchbrown</author>
         <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606079792</link>
         <description><![CDATA[<p>These quotes talk about the different types of programs and aids you can take advantage of to help you with college funding</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-26 15:44:07 UTC</pubDate>
         <guid>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606079792</guid>
      </item>
      <item>
         <title>Connection</title>
         <author>captfletchbrown</author>
         <link>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606083373</link>
         <description><![CDATA[<p>These two quotes also talk about the type of plans and ways you can help save your college funds</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-26 15:47:10 UTC</pubDate>
         <guid>https://padlet.com/captfletchbrown/glswlut5sntsm6vm/wish/3606083373</guid>
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