Adult Module

Following a career, starting a family, planning for vacations, purchasing your first house, saving for retirement. These are exciting times. A good start often means fair winds ahead. This time of your life is where the majority of important decisions are made. Don’t overlook any of these principles!

Topics we’ll discuss:

Automobiles

Costs
- New vs Used
- Operating costs
Extended warrantees
Kinds of insurance
Maintenance

Balance

Work / Life Balance

Budgeting

Childcare
College
- 529 Plans
Debt retirement
Emergency Fund
Eating Out
Food
Gifts
Insurance
- Life
- Dental
- Disability
- Health
Uninsured medical costs
Pets
Recreation
Rent / mortgage
Retirement
Savings
Taxes / Estate Planning
Tithing / Missions
Transportation
Utilities
- Cable TV
- Internet
- Telephone
Vacations
Wedding Planning (Children)

Career Options / Changing Careers

Credit

Types of credit
Building credit
Uses of credit
Dangers of credit
Bankruptcy

Estate Planning

Wills
Guardianship instructions for children
Beneficiary designations
Durable power of attorney
Healthcare power of attorney
Advance healthcare directive
Trust planning

Government Program Helps

Home Ownership

Purchasing considerations
Down payment
Mortgage
Insurance
- Appliance
- Casualty
- Liability
- Flood
- Underinsured Consequences
Improvements
- Gaining Equity
- Performance Bonds
Taxes
Upkeep / repairs

Inflation

Investing

Bonds
Mutual funds
Stocks
Treasury notes
Helpful tools
Precious Metals

General Rules

Financial Rights
Investing Norms
Rule of 72s
Right of Recission
Recommended Insurances
Savings Plans

Insurance

Health Savings Accounts
Life
Disability
Accident
Renters
Contractor Liability
Professional Liability
Umbrella

Managing Debt

Marriage

Asset Protection
Prenups

Retirement

IRA
Roth IRA
SEP IRA
Simple IRA
401(k), 403(b)
Solo 401(k)

Taxes

Tax Table Impacts
Trump Accounts for baby