1. Freedom. Options Choice. The ability to change careers, the option to buy a new car, the power to take a vacation. By applying the financial principles of successful corporations to your personal finances, we empower you to take control of your future. M.Y.O.B.U. is a community of people, resources and courses. We are the secret weapon of successful people. Taking a whole life approach to finances, we consider how each financial decision affects your overall happiness and wealth. We specialize in breaking it down into simple obtainable steps.

2. WEALTHY PLACE STEPS TM HIRE YOURSELFPAY YOURSELF ENJOY YOUR WEALTHY PLACE FIRE YOUR DEBTMANAGE YOUR EMPLOYEES USE YOUR EMPLOYESS WISELY GROW AND GIVE

3. The average Kellogg Graduate earns $130,000 salary per year 33 % $78,000 actual take home 60 % $42,900 taxes 3%3% $3,900 retiremen t 4%4% $ 5,200 Insuranc e PRIORITIZE THEN ALLOCATE Walk through all your expenses & spend the money on paper or in the M.Y.O.B.U. App before you get paid. HOW TO BUDGET

4. RECOMMENDED PERCENTAGES TRANSPORTATION 10 % INVESTING 10 % DEBT 0 % LIVING 30 % GIVING 10 % GOALS 10 % HOUSING 25 % UTILITIES 5 % TRACK IT Tracking your expenses with the M.Y.O.B.U. app is the only way to know where you stand financially.

5. debt  Travel  Choose where you work  Enjoy your life  Choose where you live AVERAGE KELLOGG GRADUATE’S STUDENT LOANS $69,000 7otal Interest Paid M.Y.O.B.U. IS ABOUT GIVING YOU FREEDOM, CHOICE & OPTIONS. Eliminate debt immediately so you can First payment due 6 months after graduation 40% of Amount Borrowed $244,000. Total Payments $175,000 Total Borrowed $2,030 /mo. 7% Interest at 10 Years

6. debt WHAT YOU COULD HAVE DONE WITH $69,000 7 Five Star Trips BMW 5 Series (in cash) Furnish your Home 35 Full Sets of Callaway Golf Clubs 3 Presidenti al Rolex Watches 230 Bottles of Ace of Spades Champagne 69 Pairs of Christian Louboutin’s 46 Louis Vuitton Handbags

7. Debt: WHAT IF $51,000$90,000$280,000$870,000$2,700,000 5 YEARS of your life $36,000 In interest payments IF YOU INVESTED THAT $36,000 IT WOULD BE: (At $600 per month for the 5 years after paying off your student loans) Let’s imagine you follow the M.Y.O.B.U. suggestions and pay off your student loans in 5 years instead of 10. You’d save: Earning s Value How many years earlier could you have retired? Imagine, if you continue over paying for all the major life purchases, wedding, car, house, furniture etc. $15,000$54,000$244,000$834,000$2,664,000 5 YEARS10 YEARS20 YEARS30 YEARS40 YEARS

8. What you Drive LIFE TIME CAR COSTS  Maintenance  Gas  Parking & Storage Fees  Car payment (not rec.)  Auto Insurance  Tolls TRANSPORTATION 10% WHAT’S IN THE PERCENTAGE: Pickup Truck ($43k) Luxury Car ($65k) Midsize Sedan ($27k) $516,000$780,000$324,000

9. What you Drive HOW LONG YOU DRIVE IT 12 Cars 9 Cars 8 Cars $1,560,000$1,170,000$1,040,000 New Luxury Car Every Cars from age 30-75 DOUBLE if you get married Single $780,000$585,000$520,000 Plan on have kids? Each one of them will need a car too. Keeping a car just 1 year longer significantly lowers the total lifetime spending by $195,000. Double that if you plan to get married. 4 YEARS5 YEARS6 YEARS

10. WHERE YOU LIVE HOUSING 25% WHAT’S IN THE PERCENTAGE::  Rent  Renter’s Insurance  Mortgage  Home Owner’s Insurance  Hazard Insurance  Property Taxes  Home Owner’s Association Fees

11. WHERE YOU LIVE BEFORE YOU BUY A HOUSE Save 20% Downpayment Housing is still 25% or less of income Debt freeSave Full Emergency Fund Ensure work permanence Prove consistency with income and discipline with budget Know the area Distance from frequently traveled places

12. The average Kellogg graduate receives a signing bonus of $24,000. Here’s how I’d spend it: THE BONUS M.Y.O.B. UNIVERSITY COURSE 1 FINANCIAL UNDERSTANDING MOVING EXPENSESUTILITY DEPOSITAPARTMENT DEPOSIT FIRE YOUR DEBTPAYING BILLS UNTIL THE FIRST CHECK SAVE $1,000 EMERGENCY FUND

13. WE'D LOVE TO HELP YOU  Devise a plan that helps you achieve your dreams for cars, marriage, a house, kids vacations and other major life events and still be rich  Develop a plan to eliminate your student loans, credit card and all debt in 3 years  Determine what things are important to you and help you achieve them  Prioritize your expenses to create a budget  Save for an emergency and identify what to do in an emergency www.myobuniversity.com facebook.com/myobuniversity