2.  Did You Know? 75% of students say they wish they had more help preparing for their financial future.

3.  Did You Know? 1 out of 3 Americans have said at some point their financial situation felt out of control.

4.  Did You Know? The average American household with at least one credit card has nearly $15,950 in credit-card debt 1.

5.  You can learn to save up for college.  You can budget for electronics, phones, and clothes.  You can avoid credit card debt.

6.  About education and your future  Why managing your money matters  Three quick tips to remember  Practice exercises  Conclusion and resources

7.  Education matters. There is a direct relationship to the level of education you have to the amount of income you can expect to earn.

14.  Over 40 years, you can expect to earn much more based on your education level.  Education is important for your future success.

16.  After you complete your education and get a job, what is next?  You will need to manage your money.

17.  75% of students: wished for more finance education.  1 out of 3 Americans: “finances felt out of control.”  $15,950 in average credit-card debt/household.

18.  Avoid Bank Money Wasters:  ATM Fees  Credit Card Interest  Put at least 10% of your allowance/paycheck into savings.  Avoid Other Money Wasters: 1. Lottery Tickets 2. Cigarettes 3. Costs for phone apps

19.  See the activity packets on my website. Here you can download them.

20.  Let’s Recap:  What did you learn today?  How does education affect your income?  What money waster should you now avoid?

21. Thank you for taking the time to work through my financial literacy workbook. I hope you learned some information that will help you as you learn to manage your finances, prepare for college, and begin your first job. Successfully managing your money is a challenge you will face for the rest of your life. You can very easily avoid fees by paying your bills on time, using an ATM without user charges, and making sure you have enough money in your checking account so that you don’t encounter an expensive overdraft fine. You can also save money every day by skipping a visit to the coffee shop, avoiding the car wash, and budgeting for items so that you pay with cash, not a credit card. I hope you learned these and other lessons as you worked through the program. I wish you well as you continue to manage your finances. I hope you take the time to visit www.Pearce.House.Gov/FinLit for further information, games, and resources. As always, if I can ever help you or your family with anything, please don’t hesitate to contact my office at 855-4-Pearce.www.Pearce.House.Gov/FinLit In the future, we encourage you to use our third party resources listed below or come back to this packet for: Saving for college How to write a check Staying away from bad debt General tips for saving money Bank Accounts Yours, Steve Pearce

22.  Find more resources on the last page:  Text message tips: ▪ www.Cashcourse.org www.Cashcourse.org  Customized advice and budget: ▪ www.mint.com www.mint.com  Compare bank accounts and loans: ▪ www.Bankrate.com www.Bankrate.com  Monitor your credit score: ▪ www.creditkarma.com www.creditkarma.com  Student loans and financial aid. ▪ www.fafsa.ed.gov www.fafsa.ed.gov  Scholarships ▪ www.bookrags.com/articles/42.html www.bookrags.com/articles/42.html  Find all this and more at pearce.house.gov/finlitpearce.house.gov