Personal Finance 101 for College Kids
Personal Finance 101 for College Kids

As millions of parents prepare to send their kids off to college, it is critical that they communicate about safety, hygiene and of course study habits. But it is also important that they discuss money and communicate to their kids that they are responsible for their finances and should act accordingly. Here are the introductory topics to cover: Money Management 101: Each family will create a different system for managing money, but in my experience, the most successful plans start with the creation of a realistic budget. You will then need to discuss what the parental contribution (if any) will be. From that point, parents may choose to provide the student with a lump sum for the semester, though I recommend a monthly allotment, which should help young adults get used to managing finances in the same that they will do so after college.

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BlogMark TalercioCollege kids and money, credit cards, credit vs debit, debit cards, identity protection for college students, Kids and Money, Personal Finance 101 for College Kids
Ep. 033 - Why the Justice Department Fails to Prosecute Executives
Ep. 033 - Why the Justice Department Fails to Prosecute Executives
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Better Off BONUS call 026 - Student Loans
Better Off BONUS call 026 - Student Loans
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Ep. 032 - How the Best Leaders Inspire People Every Day
Ep. 032 - How the Best Leaders Inspire People Every Day
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Electric Shock Spending Therapy
Electric Shock Spending Therapy

Regardless of how much money you earn, cash flow is the foundation upon which most of financial planning is built. Understanding what’s coming in and going out can help you determine what is available to fund various goals, including debt pay-down, college funding and retirement planning. That’s why nearly every CERTIFIED FINANCIAL PLANNER™ professional (CFP) will start a client relationship asking about how much money you spend today. If you don’t know, she may encourage you to create or adhere to some type of tracking system. Cash flow is probably the least sexy part of planning. In many ways, it’s like dieting and exercising because it relies on self-control and discipline. The best personal trainer can create an effective work out regime, customized to your body type, but she can’t force you to do the squats and dead lifts. Similarly, a nutritionist can design a diet plan that will help you manage your weight, but only if you stick to it.

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BlogMark Talerciocash flow, CFP, CFP Professional, Pavlok, Spending
Better Off BONUS call 025 - Asset Allocation
Better Off BONUS call 025 - Asset Allocation
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Ep. 031 - Hot Housing: How to Buy and Sell
Ep. 031 - Hot Housing: How to Buy and Sell
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