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      <title>Who Wants to Be a Millionaire?!? by Grant Macdonald</title>
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      <description>Money Management for Teachers - Flex 2023</description>
      <language>en-us</language>
      <pubDate>2023-10-31 05:56:12 UTC</pubDate>
      <lastBuildDate>2023-11-15 01:45:57 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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      <item>
         <title>Are you a spender or a saver?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2770149365</link>
         <description><![CDATA[]]></description>
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         <pubDate>2023-10-31 06:12:25 UTC</pubDate>
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      <item>
         <title>What financial goals do you have?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2770149617</link>
         <description><![CDATA[]]></description>
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         <pubDate>2023-10-31 06:12:39 UTC</pubDate>
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      <item>
         <title>How would you describe your knowledge of finances and investing?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2770150117</link>
         <description><![CDATA[]]></description>
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         <pubDate>2023-10-31 06:13:05 UTC</pubDate>
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      <item>
         <title>Are you more optimistic or pessimistic about your financial future?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771653233</link>
         <description><![CDATA[]]></description>
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         <pubDate>2023-11-01 03:38:41 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771653233</guid>
      </item>
      <item>
         <title>Which of the 9 Rules don&#39;t really apply to you?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771690336</link>
         <description><![CDATA[]]></description>
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         <pubDate>2023-11-01 04:17:26 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771690336</guid>
      </item>
      <item>
         <title>Are there any rules (or components of the rules) that you think could apply to you? Which ones, and why?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771690840</link>
         <description><![CDATA[]]></description>
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         <pubDate>2023-11-01 04:17:59 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771690840</guid>
      </item>
      <item>
         <title>Do you have any savings?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771826445</link>
         <description><![CDATA[<p>Where are they?  In bank accounts? Mutual funds? Managed by somebody? Self-invested? Other</p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-01 06:27:20 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771826445</guid>
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      <item>
         <title>Do you have any investments?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771828600</link>
         <description><![CDATA[<p>What kind? Do you have any suggestions for ISPP teachers about where to put some of their money?</p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-01 06:29:22 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771828600</guid>
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      <item>
         <title>What are you saving or investing for?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771839411</link>
         <description><![CDATA[<p>What are some goals that you'd like to meet financially (even if you haven't started saving yet)?</p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-01 06:38:28 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771839411</guid>
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      <item>
         <title>(How) Do you budget?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771860061</link>
         <description><![CDATA[<p>How do you budget? Any tips to share?</p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-01 06:57:38 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771860061</guid>
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      <item>
         <title>Budgeting Apps?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771860790</link>
         <description><![CDATA[<p>Do you use any apps to plan your budget? </p><p>Maybe to set financial goals? </p><p>What are some pros and cons?</p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-01 06:58:28 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771860790</guid>
      </item>
      <item>
         <title>What are some situations that you might personally face that would cost you money unexpectedly?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771881607</link>
         <description><![CDATA[<p>How much money would each situation cost? </p><p>Do you have funds to cover more than one situation?</p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-01 07:20:28 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2771881607</guid>
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      <item>
         <title>Do you have any resources to share?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2774748217</link>
         <description><![CDATA[<p>These could be links, articles, but also your own investing ideas and suggestions.</p><p><br/></p><p>Sadly, these could even be negative experiences and 'investing groups' or companies to avoid (like Infinity!). </p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-03 03:21:29 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2774748217</guid>
      </item>
      <item>
         <title>Have you worked with Mark Zoril?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2774937338</link>
         <description><![CDATA[<p>If you have, how was he? Would you recommend him?</p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-03 06:51:39 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2774937338</guid>
      </item>
      <item>
         <title>Do you identify with any of the teachers in the introduction? </title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2777101165</link>
         <description><![CDATA[<p>What are they saying that reflects what you might be thinking/</p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-06 01:27:10 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2777101165</guid>
      </item>
      <item>
         <title>Budget Tracking Sheet</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2777132396</link>
         <description><![CDATA[<p>Here's an adapted Macdonald version if you want to have a copy: </p>]]></description>
         <enclosure url="https://docs.google.com/spreadsheets/d/1J09bHMJeGDEzbZCJrBj6NrUSdFbkwYM-e_0Y5KZfr8g/edit#gid=1149844481" />
         <pubDate>2023-11-06 01:52:18 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2777132396</guid>
      </item>
      <item>
         <title>Would you be interested in some kind of online seminar or PD with Andrew Hallam?</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2777442163</link>
         <description><![CDATA[<p>Please simply create a padlet with a yes or a no.</p><p>*Not for this school year. </p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-06 05:45:48 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2777442163</guid>
      </item>
      <item>
         <title>Questions? Support? (for Grant)</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2780639059</link>
         <description><![CDATA[<p>If you have any questions that you think I might be able to help you with (including the spreadsheet or finding resources), please do let me know! </p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-08 00:47:00 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2780639059</guid>
      </item>
      <item>
         <title>Questions? (for ISPP Flexers!)</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2780640463</link>
         <description><![CDATA[<p>If you have more general questions that you think some of your peers may be able to answer, please put them here!</p>]]></description>
         <enclosure url="" />
         <pubDate>2023-11-08 00:48:00 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2780640463</guid>
      </item>
      <item>
         <title>VIDEO MADE FOR ISPP BY ANDREW HALLAM!</title>
         <author>grantmacdonald1</author>
         <link>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2784080678</link>
         <description><![CDATA[<p>I've been in touch with the author of Expat Millionaire and he agreed to do a video just for us! He was off-grid, so it's not edited and has pauses, but it also shows how seriously he takes warning people about financial advisors!</p><p>If you watch nothing else of this Flex module, please <strong>WATCH THIS VIDEO</strong>!</p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=UKZbpSN07I4" />
         <pubDate>2023-11-10 00:07:05 UTC</pubDate>
         <guid>https://padlet.com/grantmacdonald1/toqrg8525uhmgavb/wish/2784080678</guid>
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