What is something that you would like to save money for?

 Buying a car  Continuing their education  Starting a family  First home  Build up a “rainy day” fund  Provide funds for a “comfortable” retirement

 Many people use their money to make more money.  Interest in a bank product Certificates of Deposit  Market returns Stocks, bonds or mutual funds.

 Once you’ve earned it, you usually have two choices:  Spend it all  Spend a portion and save the rest.

 Imagine that money working toward your future.  By “paying yourself first” – making saving a priority – you can do more than dream about what you want in the future.

 Whether you income be small or large, setting aside some of it requires ________________________________!  Don’t go shopping for the newest iPhone  Month after month, make good decisions!

1. Define the issue or problem  Example:___________________________________ 2. Gather Information  Example:___________________________________ 3. Consider alternatives and consequences  Example:___________________________________ 4. Make a decision and take action.  Example:___________________________________ 5. Modify plans as needed.  Example: ___________________________________

 Each choice you make with have its benefits and costs.  _____________________: Those items foregone as a result of choosing one option over another.  _____________________: Valued alternatives that are given up as a result of choosing one option over another.

 Investment success depends in part on the ability to address those risks without passing up reasonable returns.  Anyone can accumulate substantial sums of money by applying the following five keys to investment success…

 Make investing a habit!