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Financial Literacy

Careers

Present

Future

Career of Your Dreams

How to Become Successful

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$

$

$

$

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What is What is Financial Financial Literacy?Literacy?

Financial literacy is the understanding of financial endeavors that lets us interpret and utilize financial information so we can build and maintain a semblance of financial security.

Why Is It Why Is It Important? Important?

•It enables us to make intelligent decisions--these will benefit us later-- maximizing various investment opportunities

• It enables us to plan for the future.

•It enables us to plan wisely (create reasonable budgets).

•It prevents us from doing something stupid.

•It makes us aware.

If you are financially literate, you will know that careers and entrepreneurship are your paths to success!! You have to have higher education and find a career.

Having a professional career is much more beneficial than “semi-skilled” jobs.

Companies pay MORE for people who are specialized: doctors, lawyers, engineers etc.

“It’s NEVER too early to start planning for the future!”

Money is im

portant

for everyone’s

future…PL

AN

to

get it!

PLANNING will

help you…start

early.

Careers and

Entrepreneurship

Are PLANNING

For Your Future.

Bein

g fin

anci

ally

liter

ate

will

hel

p yo

u

PLA

N fo

r th

e

futu

re.

•Discover your interests--plan your career from this--then, you can enjoy your career.

•People who plan, do better than those who don’t.

•It’s in YOUR best interest to be more serious about getting ready for the work world. That means, get a good education also!

Education Money

Substantiated by the US Census BureauSubstantiated by the US Census Bureau

Mean Salaries from People 18 & Older

$74,580

$54,904

$40,368

$32,669

$24,398

$12,909

$18,737

$19,666

Not a high school graduate

High school graduate

Some college-no degree

Associate

Bachelors

Professional

Masters

Doctorate

I’m SO glad I’m financially literate

right now!Financially literate?

Now? How can it help you?You’re still in high school!

It makes you start thinking about your

future.Set goals! Start saving NOW to insure

future financial security!

You know you have to work to get money--don’t take

it for granted.Rememberwork+time=money

How should I start saving?

Invest!!

Now that we are an old couple,

I’m glad we are financially literate.

Oh, me too honey! We’re so

happy!!

Money from investm

ents.

Investing and saving are necessary

for financial success in

the future!

PLUS-money for: Marriage and Kids Retirement Death Further Education

“use of money to earn income or profit.”

Benefits of Investing or Saving for the Benefits of Investing or Saving for the Future:Future:

•Invest for future financial gain/financial securityInvest for future financial gain/financial security•Protect purchasing power of their savingsProtect purchasing power of their savings•Get their own businessGet their own business

“money set aside for future use.”

Why Should People Start Investing At An Early Age??Why Should People Start Investing At An Early Age??

Michael, a 15 year old kid decided to put $100 in a bank, with a growth rate

of 5%….

Victor, a 35 year old man decided to put

$100 in a bank, with a growth rate of 5%

….

The younger you invest, the more The younger you invest, the more time you have for your money to time you have for your money to grow…the more money you have!grow…the more money you have!

Something you ENJOY

Something you’re GOOD

at Pays WELL

Get a job that matches your personality--maybe you’ll like it

Meticulous? Like Math?Try: Accounting

Like kids? A Public speaker?

Try: Teaching

A career is your future, a pattern of work that will develop

through your life. As you look for the career of your career of your

dreamsdreams, determine these 3 important factors:1. Your goals

2. Your interests

3. Your strengths

GOALS

Hmmm….what are my goals?

Wealth?

Fame?

Follow Orders?Travel?

Work Alone? With Others?

Knowing the answer to questions such as these will help you narrow down career possibilities.

Discover Your Interests: Discover Your Interests:

What do you like to do?

Do you like to work with others?

Hobbies, Sports, Clubs?

Which is the longest and strongest one

Abilities = skills = aptitudes

What are you good at? What are your skills?

Just a Few Examples…

How to become a successful owner or employee…Get that Job!!

Employee:

Have a good resume:Have a good resume:

•Appearance counts!! Your resume should be error-free and should be formatted to highlight your strengths and relevant experience.

The Interview:The Interview:

So, you got the interview!

•Let people know you are a friendly, positive, eager, and dependable person.

• Show confidence--this can show you will fit in with the company. Make sure it makes you look like you are the best candidate.

•Anticipate questions and be mentally prepared so that your demeanor is casual, yet professional.

Owner:

Have a plan: Have a plan:

•Know your future goals and what you hope to accomplish. Do you want to form a partnership? Join a corporation?

•Set a strict monetary budget--follow it!!

•“Foretell” the future--expect anything to be possible! Be flexible, today’s success may not be tomorrow’s! Time changes.

•Find sufficient financial support--perhaps keep a part-time job while your business is growing--beginning incomes can be low.

•Select your employees carefully--chose people who fit into the environment who have

the right skills

But, Always Remember:

Have Fun!! This will reflect your attitude in general to your future career…it will enable others to like you and perhaps you will get a raise!

But, Always Remember:

Have Fun!! This will reflect your attitude in general to your future career…it will enable others to like you and perhaps you will get a raise!

BibliographyBibliography

1. Blix, Jacqueline. Getting a Life. Penguin Group: 1997.

2. Dominguez, Joe. Your Money or Your Life. Penguin Books: 1992.

3. Donahue, Mary R. On Your Own. Dearborn Publishing: 2000.

4. Gummow, Bradley. Winning the Money Game. 4 Seasons Publishers: 1999.

5. Moses, Barbara.The Good News About Careers. Jossey Bass: 1999.

6. Schwab, Charles. Guide to Financial Independence. Random House: 2000.

*All pictures courtesy of Microsoft PowerPoint.

*Education/Money graph was from US Census Bureau website: www.census.gov

*“Abilities” Table derived from info. in Barbara Moses’ book.