1. Lifetime Budget Planning

2.  Bill Bullington  http://www.bullingtoncapital.com http://www.bullingtoncapital.com  Spend no more than these percents of your income on …  10% Automobiles  25% Housing  Spend at least this percent of your income on:  10% Retirement

3.  Vince Digirolamo  VP National City Bank  Bank made money every year for 164 years  Bought by PNC in 2008 Credit – ability to repay Capacity – willingness to repay Collateral – second way out of the loan  Borrow less than 20% of yearly net income  Borrow less than 10% of monthly net income

4.  Dave Ramsey  http://www.daveramsey.com http://www.daveramsey.com  Small, smart steps will get you to security  A place where your money is working for you  Not you working for your money  Be Radical  In decision making, not spending  Be Intentional  On paper, on purpose

5.  $1000 Emergency Fund  $0 of Personal Debt  3 Months of Living Expenses  10 % in a Retirement Account  15 x Annual Salary in Insurance  20/20 Down Payment/Life of the Loan  50/50 Expenses/Investments

6.  What advice is missing from these lists?  Why don’t more people follow these plans?  What will keep you from budgeting wisely?  Be Honest  Be specific  Be thoughtful