Suggested Money Talk Presentation Topics Your Name First Last Check each topics you are interested in How People Earn Money (Paychecks, Allowances, Benefits) Taxes in Plain Language - Federal, State, Local, Real Estate, Sales Tax (how they differ state to state, county to county, city to city ) What tax forms are (W-4 Employee Determine % of Income Tax Deductions, W-2 Employee, 1099 Independent Contractor) Understanding Benefits (SSI, SSDI, STABLE, SNAP, Medicaid, Able to Work) STABLE accounts (if necessary, for better understanding) Choosing Where to Keep Your Money & Adding a Person to your Account (advantages /disadvantages) - Credit Union, Bank, Investment Firm, Piggy Bank Types of Bank Accounts (Checking, Savings, STABLE Accounts) Needs vs. Wants How your personality affects spending and investing (includes #7 Risk Tolerance) How Friends Influence Spending Habits, include learning to say NO Everyday Spending Decisions Tracking Spending (Apps, Paper, Receipts) & Preparing for Taxes Staying Organized With Bills & Due Dates Understanding Fees (ATM Fees, Overdrafts, Late Penalties - Increase in Interest Rate (from 0 on trial to 29%) Monthly Fees) Bank Statements (Checking, Credit Card, Investment) - Why check them, how to report discrepancies How credit cards & loans work—and how interest increases, penalties Avoiding High-Risk Loans (payday loans, title loans, personal loans) Why credit (credit scores) matters for apartments, jobs, and loans Planning for Big Purchases (Phones, Furniture, Cars) Planning for Activities (movies, restaurants, outings) Saving Money Made Simple Saving for the Future (STABLE, 401K/403b IRA, Roth IRA, emergency fund) Learning How Budget Decisions Affect Your Future Creating a Simple Monthly Budget (Plan) Preface - learning how to participate in your financial planning Review & Practice Week (Sharing Budgets Created from Last Week?) Games, Role-Play, Scenarios) How to adjust your budget when life changes, from sharing to living alone, adding another person to household, adding a pet Meals on a Budget / Meal Planning- Costs of Ordering online - Grubhub, Door Dash, etc. Grocery Shopping Skills - Is comparison shopping worth it, local flyers, etc. Planning for and Keeping Employment-Related Costs (transportation, uniforms, tools) Transportation costs. Planning in advance (car, insurance, gas, public transit, Lyft, Uber) How Insurance Protects You (health, renters, auto) Understanding Community Discounts (libraries, gyms, events) Protecting personal information Password safety (why companies are using 2 types of verification) Safe Credit Card and Debit Card Habits (PINs, Balances, Receipts- Putting cards on phone, rather than carrying them, Cash purchases) Recognizing & Protecting Yourself From Scams (phone, email, online, in person) Consumer Rights (Returns, Warranties, Complaints - Buying additional warranties (increases cost of item? worth it, record it so you remember you bought it?) How to Speak Up When Something Isn’t Right (returns, mistakes, complaints) Boundaries: When Not to Give or Lend Money - family, friends, acquaintances, strangers How to say “No” to pressure spending - salespeople in stores, online calls for sales or charities, door-to-door salespeople Participating in Financial Decisions About Your Life Advocacy: How to Speak Up and Ask Questions About Money Financial Stress: How Money Impacts Mental Health How and Who to Ask for Help When Money Feels Overwhelming Understanding Rent vs Housing Costs - Provide Detailed List of Each, Include monthly HOA for condos Living on Your Own or Sharing Space - advantages/disadvantages of each, include written agreements for sharing/renting space Utility Bills (water, gas, electric, internet) Understanding Contracts/Leases Before You Sign Counting Money (Bills + Coins) Find Sales, Discounts, and Coupons/Codes Scan Receipts for Gift Cards: Fetch App Select AllOther Topics of Interest Δ
