2. http://tinyurl.com/3vcjtkj

4. Organize Save Progress

6. Net Worth

26. EMERGENCY FUND

28. $300 transfer from emergency fund

30. RETIREMENT FUND

31. Compound Interest

32. $3,000 saved x 2.5% interest -------------------- $75 interest 1st year

33. $3,075 1st year + $3,000 2nd year x 2.5% interest -------------------- $151 interest 2nd year

34. $3,075 1st year + $3,000 2nd year x 2.5% interest -------------------- + $151 interest $6,226 saved in 2 years

35. $3,000 each year x 30 years x 2.5% interest --------------------- $135,000

36. $3,000 each year x 30 years x 4% interest ---------------------- $175,000

37. SMART INVESTING SERIES Chapter 1: Your Financial Fitness Chapter 2: Designing Your Budget Chapter 3: Banking Basics Chapter 4: Establishing Credit Chapter 5: Credit & Identity Theft Chapter 6: Controlling Debt Chapter 7: Tips for Daily Savings Chapter 8: Saving for the Future

38. Individual Retirement Accounts IRS.gov/retirement

45. Traditional Paycheck - IRA $ -------------- = Gross pay - taxes Roth Paycheck - taxes -------------- = Gross pay - IRA $

46. Traditional Age 59.5+ Withdraw $ - taxes

47. $5,000 Under age 50 $6,000 over age 50

48. Withdraw $$$ Any Age

49. Withdraw tax free Over age 59-1/2

50. $5,000 yearly IRA x 20 years ------------------------ $100,000 plus interest

51. $5,000 yearly IRA x 30 years ------------------------ $150,000 plus interest

52. $5,000 yearly IRA x 40 years ------------------------ $200,000 plus interest

53. $200,000 His + $200,000 Hers ------------------------ $400,000 plus interest

54. $96 week x 52 weeks ------------------------ $5,000 plus interest

55. $58 week x 52 weeks ------------------------ $3,000 plus interest

56. $58 weekly savings x 20 years = $60,000 x 30 years = $90,000 x 40 years = $120,000 plus interest

57. $50 weekly savings x 40 years = $104,000 $58 weekly savings x 40 years = $120,000

58. $$$ For I.R.A.

61. 72 5% = 14 years

62. 72 14 years = 5%

63. CREDIT CARDS

64. Visa $8,000 MasterCard $5,000 Discover $3,000 owe $16,000

65. $16,000 x 5% Balance Transfer Fee owe extra $800

68. License Social Security Credit Card

71. Merchant ID Valid Card Number Expiration Date Credit Card Limit Card Usage

74. Which ones to keep? Oldest Low APR (annual % rate) High credit limit

75. Card #1 $5000 $ 500 ----------- 10% spent Card #2 $1000 $ 500 ----------- 50%

76. Higher Credit Limit

78. 35% of Credit Score = PAYMENT HISTORY

83. finrafoundation.org

85. Designed and Narrated by Chris Kilbride Family & Consumer Sciences

87. http://tinyurl.com/3vcjtkj