This is where your path to financial freedom begins...

As your teenager approaches their first job or prepares for college, teaching them essential money management skills becomes crucial. With young adults facing unprecedented levels of credit card and student loan debt, establishing positive financial habits during the teenage years can make the difference between financial success and struggle. Why Financial Education for Teens Matters More Than Ever When teens receive their first paycheck, the temptation to spend it all on a shopping spree is overwhelming. However, without proper financial education, this pattern can lead to a lifetime of poor money decisions. Recent studies show that 64% of Americans live paycheck to paycheck, and much of this stems from financial habits formed during adolescence. Teaching age-appropriate money habits before your teen enters the workforce sets them up for long-term financial success and helps them avoid the debt trap that ensnares so many young adults. Building a Foundation: Teaching Teens How to Save Money Start with Goal-Setting and Budgeting Basics Encouraging your teen to save money and set specific financial goals helps them understand the interconnected practices of budgeting, saving, and investing. This foundation-building approach offers several key benefits: Develops delayed gratification skills Creates awareness of spending vs. saving trade-offs Builds confidence in financial decision-making Reduces the likelihood of future uncontrollable debt Recommended Resource for Financial Education The Adventure of Money covers essential financial concepts, including interest, budgeting, investing, and banking basics. The book even covers practical topics like setting SMART goals—crucial knowledge for future planning. This resource can help you start meaningful money conversations with your teenager and provides age-appropriate explanations of complex financial concepts. Long-Term Savings Strategies for Teenagers Why Early Saving Habits Matter Teaching teens to save for the long term serves multiple purposes: Reduces future debt dependency  - Having savings means less reliance on credit cards or high-interest loans Demonstrates compound growth  - Shows how small amounts grow significantly over time Creates emergency preparedness  - Builds the habit of maintaining both savings and emergency funds Establishes financial responsibility  - Prepares teens for post-graduation financial obligations Having a general savings account and a designated emergency fund teaches teens to prepare for unexpected expenses while working toward longer-term goals. For more insights on teen financial education, check out my feature in Conversations To Have Once Your Teen Starts Earning Money for additional strategies and real-world applications. Practical Budgeting Skills Every Teen Needs Real-World Budgeting Applications Most college students leave home with minimal financial management knowledge, making budgeting education essential. According to Piper Sandler's latest survey, teens allocate their income as follows: 22% on food 21% on clothing Remaining 57% on entertainment, savings, and miscellaneous expenses Benefits of Home-Based Budget Training Teaching budgeting at home prepares teens for: Managing student loans and scholarships Handling household expenses like rent and groceries Reducing financial dependence on parents Making informed spending decisions Practical Budgeting Tool Use Mommy, Can You Teach Me How to Budget  as a hands-on resource for teaching budgeting fundamentals. This book provides real-world scenarios that help teens understand budget allocation and financial planning. Introduction to Teen Investing Custodial Investment Accounts Parents can introduce investing concepts by opening custodial investment accounts for their teens. These accounts offer several advantages: Money remains in the teen's name Transfers to a teen at age 18 Provides hands-on learning opportunities Demonstrates long-term wealth building Making Investing Educational Include your teen in investment decisions and discussions. This involvement helps them understand: How markets function Impact of market fluctuations Different investment strategies Risk vs. reward concepts Maintaining Ongoing Financial Conversations The Importance of Continuous Learning Financial education shouldn't be a one-time conversation. Regular money discussions: Build upon existing knowledge Address new questions as they arise Adapt to changing financial goals Normalize financial planning as a life skill Creating a Learning Environment Remember that it's perfectly acceptable not to have all the answers. Learning with your teen demonstrates that financial education is an ongoing process and that seeking information is a valuable skill. Key Takeaways for Parents Teaching teens about money involves more than just explaining concepts—it requires creating practical learning opportunities and maintaining ongoing dialogue about financial decisions. By focusing on saving, budgeting, and basic investing principles, you're giving your teenager tools to serve them throughout their adult life. Investing in financial education during the teenage years pays dividends in the form of financially responsible adults who can confidently navigate economic challenges and make informed decisions about their financial future. Updated: 05/23/2025

Are you feeling trapped in a financial rut, working hard but struggling to achieve your financial goals? You're not alone. Millions worldwide seek to improve their financial well-being. Discover how to bridge the gap between your financial dreams and reality with these impactful personal finance books. As an Amazon Associate, this post may contain affiliate links. Key Financial Topics Covered: • Mindset Shifts for Financial Success • Behavioral Economics and Financial Decisions • Practical Strategies for Wealth Building • Balancing Spirituality and Financial Health • Empowering Women in Finance Recommended Personal Finance Books The Ruthless Elimination of Hurry by John Mark Comer Learn to slow down, prioritize, and achieve a more fulfilling life by integrating spiritual disciplines into your financial habits. Some of the spiritual disciplines that Comer discusses in the book are: • Silence and solitude: This practice involves setting aside time during the day to spend alone with yourself and God. It can be achieved through prayer, meditation, or sitting in nature. My daily exercise or yoga time is perfect for this. • Sabbath: This practice requires taking a weekly break to relax and think. It's a chance to detach from work, gadgets, and duties and concentrate on spending quality time with family and friends while focusing on spirituality. However, don't let your spirituality occur just once a week. Remember that living a Godly life with a Christian worldview occurs daily and in everything you do. • Financial Changes: This practice involves taking a close look at your spending and identifying ways to cut back. It may require you to pay down debt, create a budget, automate your savings, and invest for the future. It's all about not being consumed by material possessions and living a life of simplicity. • Simplicity: This practice involves leading a more deliberate and less chaotic life. It may include simplifying your living space, organizing your schedule, and cultivating meaningful relationships. One way that I do this is by using my annual closet-clearing routine found here. • Slowing down: Practicing this discipline involves slowing down and appreciating each moment. It may require taking time with daily activities, speaking more relaxed, and calming your thoughts. I practiced driving the speed limit, not over, and was amazed at what I saw on my drive home to my rural neighborhood. These are just a few of the spiritual disciplines that Comer discusses in the book. If you want to learn more about them, I encourage you to read The Ruthless Elimination of Hurry. See my feature in Lovely Impact 7 Coaches Share What Books Inspired Them Most  The Why of Wealth by Cassandra Smalley Empower yourself to maximize your wealth and earning potential, especially designed to address the unique financial challenges women face. This book is designed to help women maximize their wealth and earning potential but can also assist men. It recognizes women's challenges in the workplace compared to their male counterparts, aiming to reduce the wealth gap between genders. Cassandra details the compensation decreases when women leave the workforce for various reasons, whether childbirth, taking a career gap, or finding a new career path. One of the book's standout moments is when Cassandra advises women to safeguard their financial futures. "Proactively using your voice will enable you to work toward achieving financial freedom... Coordination with your partner and professionals will help you best accomplish the big and small goals along your journey." Ultimately, the book aims to cultivate a wealth mindset, leading readers to financial security, success, and freedom. Nudge: The Final Edition by Richard Thaler and Cass Sunstein Discover how "nudges" can positively influence your financial behavior and help you achieve your goals. Are you ever in need of a little push to start a project or take a leap of faith? "Nudge: The Final Edition" by Richard H. Thaler and Cass R. Sunstein explores using "nudges" to influence behavior positively. For example, many people need a nudge to save money for a goal. When speaking with my clients, I often hear that they require someone to guide them in the right direction or to offer helpful resources. The book is divided into three parts. The first part explains the science of choice architecture, which studies how the way choices are presented can influence people's decisions. The second part explores various types of nudges, and the third part provides examples of how nudges have been used in real-life scenarios. What I found most inspiring about the book is the author's emphasis on the importance of choice architecture. They argue that the way choices are presented can significantly impact people's decisions. Therefore, we should be mindful of this when deciding how to live happier, healthier, and more fulfilling lives. See my feature in Yahoo 10 Financial Books That Will Change Your Life (and Finances)  Predictably Irrational by Dan Ariely Explore the hidden forces behind your financial decisions with behavioral economist Dan Ariely. Dan Ariely's "Predictably Irrational" book delves into the underlying factors that influence our decision-making. As a behavioral economist, Ariely conducts various experiments and shares anecdotes to demonstrate how our behavior is often more irrational than we realize. One experiment involves going to a restaurant and ordering your meal last to see if you change your choice based on the daily specials or others' orders. Interestingly, my husband always orders last and changes his selection based on mine, demonstrating his predictable irrationality. Predictably Irrational Video Review I found the book inspiring because it offers insights into how to make better decisions. Ariely explains how understanding our biases can lead to more rational choices. He suggests simple tricks that can improve our decision-making, like using checklists and avoiding decisions when tired or emotional. Have you ever shopped excessively or overeat due to emotions? Identifying triggers can help you prevent these incidents and make better decisions. I highly recommend reading "Predictably Irrational" as it was an enlightening and motivating book for me. It gave me a better understanding of the subconscious influences that impact my decision-making process and equipped me with practical techniques to make more informed choices. If you want to improve your decision-making skills and learn about the brain's inner workings, this book is worth checking out. The Psychology of Money by Morgan Housel Dive into the emotional side of money with Morgan Housel. Learn how emotions influence financial decisions through compelling stories and anecdotes. One of the things that I found most inspiring about the book is Housel's willingness to be honest about our financial weaknesses. He doesn't sugarcoat the fact that we are all susceptible to making irrational financial decisions, like purchasing Bitcoin or an unplanned vacation that wasn't in our budgets. However, he also shows us that we can learn to make better financial choices by understanding our emotions. Another inspiring aspect of the book is Housel's emphasis on the importance of delayed gratification. He argues that the best way to build wealth is to save and invest for the long term. Housel explains that saving money for the future can create happiness and emotional well-being. He also shows us how our emotions can sabotage our efforts to save and invest. Overall, the book is thought-provoking and engaging, with Housel doing an excellent job of explaining complex concepts in a way that is easy to understand. He also provides practical tips for overcoming emotional biases and making sound financial decisions. Housel's book inspires us to take control of our finances and make wise choices for our future. I hope you find these books helpful on your financial journey and that one of them inspires you to master your wealth.

As a single mother, I know firsthand that managing a household on one income isn't just a financial challenge—it's an emotional and mental journey. While juggling roles as the sole breadwinner, caregiver, and decision-maker, I discovered practical strategies that helped me not only survive but thrive financially. Here's my roadmap to help you navigate single parenthood with financial confidence. Create a Realistic Budget That Works When I first faced life as a single mom, financial anxiety was constant. Bills, emergency savings, and my child's needs competed for my limited resources. The game-changer? A practical budget tailored to a one-income reality. Start by tracking every expense for a month—yes, everything. Use a simple spreadsheet or budgeting app like Mint or YNAB. This reveals spending patterns you might not realize exist. Then: • Categorize essentials (housing, utilities, food, childcare) • Identify flexible expenses (entertainment, dining out) • Allocate specific amounts to each category • Include a small "fun fund" to prevent budget burnout Pro tip: The 50/30/20 rule worked for me—50% for needs, 30% for wants, and 20% for savings/debt. Adjust these percentages to your situation, but always include some savings, even if it's just $10 a week. See my feature in How parents are approaching Spring Break ideas during Covid in Haven Life. Develop a Side Income That Works With Parenting While serving in the military and pursuing my HR degree, I started a resume writing business that fit around my parenting schedule. The additional income helped build my emergency fund and accelerate debt repayment. Consider skills you already have that could generate extra income without sacrificing family time: • Virtual assistant work (flexible hours, remote) • Freelance writing or editing • Social media management • Childcare exchange with other parents • Selling handmade items online • Tutoring (which often can include your child) Start small, focusing on opportunities that allow you to work when your children are asleep or in school. Even an extra $200-300 monthly can significantly impact your financial stability. Depending on your state, conduct a Google search to find out how easy it is to file for your LLC. Cut Costs Without Cutting Quality of Life I learned that frugality doesn't mean deprivation. Some strategies that preserved our quality of life while reducing expenses: • Meal planning and batch cooking to reduce food waste and avoid takeout • Clothing swaps with other parents or thrift shopping • Free community events instead of paid entertainment • Library resources (books, movies, educational programs) • Negotiating lower rates on recurring bills (internet, phone plans) • Sharing childcare with other single parents When friends suggested expensive outings, I'd propose budget-friendly alternatives or host potluck gatherings at home. Most people appreciated the money-saving options! Prioritize Self-Care for Financial Stamina Military deployments while parenting solo taught me that financial resilience depends on emotional and mental well-being. Financial stress can be overwhelming, but these practices helped me maintain perspective: • Build a support network of other single parents • Schedule regular "me time," even just 15 minutes daily • Practice stress management techniques like deep breathing or journaling • Join a single parent support group (online or in-person) • Celebrate small financial victories to maintain motivation Remember that your children benefit most from a parent who's emotionally present, not one who's working themselves to exhaustion. Build Your Financial Legacy One Step at a Time Financial security as a single parent is a marathon, not a sprint. Start with these foundational steps: 1. Create an emergency fund (aim for $1,000 initially, then build to 3-6 months of expenses) 2. Address high-interest debt 3. Open a retirement account, even with minimal contributions 4. Look into college savings options or scholarships 5. Consider affordable life insurance to protect your children During my journey, I found inspiration in single mothers who built financial success through determination and strategic thinking. While we may not all become Oprah Winfrey or J.K. Rowling, financial stability and gradual wealth-building are absolutely within reach. See my feature in How parents are planning Spring Break this year in Haven Life. • Oprah Winfrey: Oprah Winfrey has become one of the world's wealthiest and most successful women. She started her career as a television news anchor and then went on to host her talk show, "The Oprah Winfrey Show." Oprah is now a successful actress, producer, and philanthropist. • J.K. Rowling: J.K. Rowling wrote the Harry Potter series. The Harry Potter series is one of the best-selling book series of all time and has made J.K. Rowling a billionaire. • Shonda Rhimes: Shonda Rhimes is the creator of several successful television shows, including "Grey's Anatomy," "Scandal," and "How to Get Away with Murder." Shonda Rhimes is one of the most powerful women in Hollywood and has a net worth of over $160 million. These are just a few examples of single parents who have become wealthy. Single parents can achieve financial success, but it takes hard work, dedication, and perseverance. If you're ready to prioritize your wealth, check in here: Remember: Your Worth Isn't Measured by Your Income The most valuable lesson I learned as a single mother wasn't about money. It was recognizing that my children needed my presence more than presents. Quality time doesn't require expensive outings—some of our most treasured memories come from simple activities like nature walks, library visits, and game nights at home. By implementing these strategies consistently, you can create financial stability for your family while modeling resilience and resourcefulness for your children, perhaps the most valuable inheritance you can provide. Have you found creative ways to stretch your single-parent income? Share your tips in the comments below to help other mothers on their journey to financial confidence.

The Adventure of Money The Adventure of Money: A Guide to Saving, Budgeting, and Investing Discover the exciting world of financial literacy with "The Adventure of Money - A Guide to Saving, Budgeting, and Investing," – the essential guide that transforms money management into an adventure for all ages. Whether you're a parent looking to teach your children about money, an educator seeking effective financial education resources, or someone wanting to strengthen their own financial foundation, this book provides practical wisdom in an engaging format. From earning your first dollar to making smart investments, "The Adventure of Money" breaks down complex financial concepts into accessible lessons that build confidence and skills for a lifetime of financial success. Earning Your Own Money The journey to financial freedom begins with earning, and "The Adventure of Money" explores multiple pathways suitable for different ages. From allowance systems that teach responsibility to innovative "chore challenges" that connect effort with reward, the book makes earning money educational and fun. The "Side Hustle Heroes" section showcases age-appropriate entrepreneurial ventures with startup guidance, from dog-washing businesses to grass-cutting services. The book emphasizes that earning isn't just about money—it's about developing character, responsibility, and self-reliance. Spending Smart – Making Your Money Count Earning money is just the beginning—spending it wisely is where many struggle. The book demystifies budgeting with practical approaches that work for any income level, framing it as a "money map" that helps you reach your destination rather than a restrictive practice. One of the most valuable sections tackles impulse buying—that common habit that derails even the best financial intentions. Rather than simply saying, "Don't impulse buy," the book offers practical strategies for mindful spending, including the power of the waiting period and techniques for questioning purchases effectively. Saving for the Future – Growing Your Money Saving money is presented as an exciting adventure rather than a boring obligation. The book illustrates how even small savings grow over time through clear explanations and compelling examples. Concepts like compound interest come alive through stories and visuals that make the abstract concrete. The book provides a framework for creating meaningful savings goals that motivate consistent action. Whether saving for a new bike, college education, or retirement, readers learn how to break down large goals into achievable milestones. From the envelope system to automated savings plans, you'll discover approaches that match your personality and circumstances. Investing – Planting Seeds for the Future "The Adventure of Money" takes the mystery out of investing, explaining this crucial wealth-building strategy in terms anyone can understand. The book provides a comprehensive yet accessible overview of investment options, including: • Bonds: Explained through engaging stories illustrating how lending money to companies or governments works. • Exchange-traded funds (ETFs): Demystified through simple analogies that show how these modern investment vehicles offer diversification. • Stocks: Presented as an opportunity to become a partial owner in businesses you believe in. Throughout the investment chapter, the book emphasizes the relationship between risk and reward, helping readers assess their own risk tolerance and develop appropriate strategies for their age, goals, and circumstances. Real Stories, Real Inspiration What truly sets "The Adventure of Money" apart are the real-life stories woven throughout: • Stephanie's Saving Journey: Illustrates how consistent saving, even in small amounts, leads to significant achievements. • John's Saving Journey: Demonstrates how saving strategies must adapt to different life stages and circumstances. • Stephon's Budgeting Journey: Shows how effective budgeting transforms financial chaos into clarity and control. • Julie's Investing Journey: Takes readers from investment novices to confident market participants, offering valuable lessons about patience and long-term thinking. These stories provide not just inspiration but practical examples of how the book's principles work in real life. Your Financial Journey – A Bright Future Ahead As "The Adventure of Money" concludes, it brings together all the elements of financial literacy into a cohesive vision for your future. The book provides a roadmap for integrating earning, spending, saving, and investing into a comprehensive financial strategy that creates stability and opportunity. Perhaps most importantly, the book emphasizes that financial learning never truly ends. It inspires readers to continue their education, adapt their strategies as life changes, and share their knowledge with others. Why This Book Stands Out Unlike typical financial guides that overwhelm with jargon or oversimplify important concepts, "The Adventure of Money" strikes the perfect balance. It respects readers' intelligence while making complex ideas accessible to all ages. The book's approach transforms financial education from a chore into an adventure, building excitement around concepts that might otherwise seem dry or intimidating. Whether you're teaching a child about money for the first time, helping a teenager prepare for financial independence, or strengthening your financial foundation, this book provides the tools, motivation, and confidence needed for success. Start your adventure today and discover the treasure of financial freedom that awaits you!

Unlock the secrets to savvy vacation spending with expert-backed strategies in this article. From setting smart budgets to prioritizing experiences that truly add value, gain the tools to indulge without the guilt. Discover how to blend practical budgeting with the joy of splurging, ensuring every penny spent is worth the memory made. Things We Splurge On While On Vacation • Be Strategic About Spending • Set a Budget for Essentials • Front-Load Trip with Money-Saving Moves • Prioritize High-Impact Experiences • St. Lucia Travel Adventure • Combine Practical Budgeting with Saving • Prepare Finances in Advance • Use Automated Budgeting Apps • Invest in High-Quality Experiences Be Strategic About Spending Being strategic about your spending to balance a budget with enjoying a vacation is key. First, I set clear priorities for what matters most. I book affordable accommodations and transportation without sacrificing comfort. Then, I allocate a portion of my budget to experiences that offer the most value, such as exploring a local neighborhood or enjoying a scenic hike. It's not about cutting everything out but being intentional with where you spend. For instance, I find free events or unique local experiences that may not cost much but create a lasting memory. I do splurge on the local cuisine. The destination's food culture is one of the best ways to immerse yourself in the place. I am willing to spend time on a meal at a famous local restaurant or on a unique food tour. On my last visit to France, I spent money on a wine-tasting experience, which was worth the money for every drop. The experiences were not just about the wine but involved interesting conversations and a deep understanding of the history of that region. It was a personal investment in the experience, often the key to enjoying the vacation without compromising your budget. Amy Jam, Founder, Amy Jam Set a Budget for Essentials I believe in setting a budget for the essentials and reserving a specific amount for a splurge that makes the trip feel special. I'm willing to spend extra on experiences unique to the destination, like a private tour or an adventurous activity. On a trip to Queensland, I set aside $200 for a snorkeling experience at the Great Barrier Reef, which became the highlight of my trip. I balanced this by booking an Airbnb for $90 per night instead of a more expensive hotel, which saved me $300 over four nights. This approach made the experience feel worthwhile without worrying about overspending, so I always recommend planning splurges ahead of time so they feel intentional rather than impulsive. This strategy lets you enjoy the best parts of your trip while still coming home with your finances in good shape. Benjamin Tom, Digital Marketing Expert and Utility Specialist, Electricity Monster Front-Load Trip with Money-Saving Moves The secret is to front-load your trip with easy money-saving moves: book flights during off-peak seasons, book accommodations that include a kitchen, and find free activities such as walking tours or no-cost museum days. I have learned that splurging on unique local experiences creates the most lasting memories. For me, it's always food—I'll happily eat simple breakfasts in my rental if it means exploring every interesting restaurant and market I discover. The real trick is to build your vacation budget around what matters to you, not on someone else's must-do list. Maybe you don't care much about fancy hotels but live for adventure sports. You could give up expensive tours for the more upscale beach clubs. Spend extravagantly on whatever brings you delight while remaining prudent about the rest. Taryn Pumphrey, President, Ledger Lift Prioritize High-Impact Experiences It all depends on knowing how to balance one's budget while still enjoying one's vacation. For me, it's always about being intentional. First, I prioritize the things that matter the most: unforgettable activities or unique cultural moments. I've learned that this means spending my money on something that brings real value to my trip while cutting back on areas that are not. For example, I would choose cheap but comfortable accommodations and use that money to spend on experiences I will never forget, such as a private tour or a local cooking class. When I do splurge, it is on high-impact experiences that will contribute to long-lasting memories. One thing I will always spend more on is excellent dining. While it is possible to eat cheaply on holiday, sometimes it is worth spending a bit more to experience local food. On my last trip to Japan, I spent good money on sushi omakase. It wasn't about eating; it was about being immersed in the culture, tasting the craft, and creating a moment that added value beyond the meal. This means splurging on this trip. This way, the memory you will have taken home will be priceless. Kellianne Fedio, Founder, Kellianne.Me St. Lucia - Experiencing Luxury and Local Culture St. Lucia Travel Guide: The Best of Both Worlds (Luxury & Local) Follow Annette on her travel Journeys: Subscribe on YouTube Combine Practical Budgeting with Saving My travel philosophy combines practical budgeting with saving money for experiences that add significant value to my trips. I willingly invest in guided tours that provide exclusive knowledge and special access. During my latest visit to San Francisco, I invested $250 in a private walking tour focused on the city's architectural history because it would have been impossible to experience it independently. Public transport for my whole trip saved me more than $150 instead of renting a vehicle. My vacation provided rewarding experiences through selective splurging and strategic cost-cutting measures, preventing overspending. For a successful budget trip, you should determine one or two essential priorities before the trip starts and organize your remaining expenses to support these priorities. Splurges that are planned and purposeful are the most satisfying because saving wisely in other areas allows you to enjoy your experience fully. This approach preserves financial resources while creating lasting memories. Michael Benoit, Founder and Insurance Expert, ContractorBond Prepare Finances in Advance Sticking to a budget while enjoying yourself on vacation can be challenging if you don't prepare your finances in advance. Before I leave town, I usually run to the ATM to withdraw the amount of cash I anticipate spending (for meals, souvenirs, and tipping). During vacation, I stay mindful of how much I've spent throughout the day and how much I have left. If I run out of cash during the trip, I do not return to an ATM for more. As for debit/credit card purchases, I limit those transactions to excursions and emergencies ONLY. One thing I am willing to splurge on is experiences, which is where the bulk of my money is spent when traveling. I'd much prefer paying for a boat ride, a dive trip, or a city tour. Stefanee Clontz, Director of Operations, Hydra+ Use Automated Budgeting Apps Budgeting while still having fun on vacation is an art, and for me, it's all about automated budgeting apps like Monefy. It's one of those tools that works in the background, so you don't lose track of your spending while living the experience. What I love about Monefy is how simple it is. Before my trip, I set up categories like accommodation, food, activities, and transportation and assigned budgets to each. During the trip, I log expenses by tapping a button after every purchase, which takes seconds. By the end of the day, I can see how much I've spent and where. It's like having a travel accountant in your pocket, and it keeps me from overspending in one area and regretting it later. The balance comes in here: I prioritize what I value most. For example, I'm willing to splurge on a unique experience (like a guided stargazing tour or a sunset cruise), but I'll save on other things, like skipping a fancy dinner for street food. Monefy helps me track these choices in real-time. Knowing I've treated myself to something special but still stayed within my budget feels great. The app also eliminates the post-vacation guilt that comes from overspending. Knowing where my money is going allows me to indulge guilt-free because I know it fits within the bigger picture. The mental clarity that comes from knowing I'm in control of my finances makes the vacation much more enjoyable. If you're trying to balance fun and finances on a trip, pair Monefy with a clear idea of what you want to splurge on. When you know what's important to you, budgeting isn't restrictive—it's liberating. Soubhik Chakrabarti, CEO, Icy Tales Invest in High-Quality Experiences I prefer investing in high-quality experiences rather than wasting money on numerous average activities. When selecting accommodations, my first concern is always comfort. My recent trip cost me $600 for three nights at a boutique hotel that offered both coziness and perfect location value, whereas an alternative, less convenient option would have saved $200. Choosing accommodation near the city center saved me $100 on transportation costs and time during my trip. The right accommodation choice made my travel experience much more enjoyable and saved energy for exploring the city.  Budget adherence during travel requires prioritizing spending on areas that provide real value while eliminating expenses with little impact. To save money while traveling, I choose local cafes and street food over expensive restaurants, which allows me to spend more on better accommodations. This careful planning helps you maintain budget balance while maximizing trip enjoyment. Caleb John, Director, Exceed Plumbing

Photo by Ed Robertson on Unsplash Ready to take control of your finances without spending a dime? Look no further! We've compiled a list of free personal finance education books available on Kindle. Whether you prefer reading on your phone or Kindle or listening on the go, these books can help rekindle your love for reading and improve your financial literacy. Remember to make taking care of your finances a priority by setting aside time for learning. As an Amazon Associate, I earn from qualifying purchases. 9 Free Books on Kindle All About Money 1. From Money Disaster to Prosperity by Larry Faulkner and Michelle Bohls Why Read: This book provides a "Breakthrough Formula" to help you develop a healthy relationship with money and escape debt. Discover the reasons behind your money issues with the Breakthrough Formula outlined in "From Money Disaster to Prosperity." This comprehensive guide helps you explore past emotional trauma and a family history of poor money management. Through practical examples and workbooks, you'll learn how to develop positive money emotions and avoid overwhelming debt. Say goodbye to self-sabotage and achieve financial freedom with the guidance of those who have been through similar struggles. 2. A Girl's Guide to Personal Finance by Nanette Beech Why Read: Provides practical tips for budgeting, saving, and financial planning, perfect for recent graduates. If you know a young woman or recent graduate who wants to learn more about personal finance, The Girl's Guide to Personal Finance is a great resource. This book presents personal finance basics in a relatable and easy-to-understand way. It's a quick read, ideal for the fast-paced lifestyle of Gen-Z and Millennials. The practical tips and tools can be applied throughout one's lifetime and referred to easily during times of financial uncertainty. 3. How to Day Trade for a Living: A Beginner's Guide to Trading Tools and Tactics, Money Management, Discipline, and Trading Psychology by Andrew Aziz Why Read: This book offers a realistic view of day trading, emphasizing the importance of practice and continuous learning. In his book, Andrew Aziz provides an insightful guide for beginners interested in trading. He shares practical tips on how to get started, what to expect, and how to develop a solid trading plan. However, It is important to remember that simply reading this book will not automatically lead to profitable trading outcomes. Achieving success in trading requires consistent practice, access to effective tools and software, and ongoing education to stay informed about the latest market trends and developments. It is essential to stay up-to-date with the ever-evolving nature of the market to make informed decisions and achieve long-term success. 4. DeFi (Decentralized Finance): The Future of Finance Evolution Explained and the Complete Guide for Investing in Crypto & Digital Assets by William DeVito Why Read: Explore the world of DeFi and learn how to navigate the evolving financial landscape. Delve into the intricate world of Decentralized Finance (DeFi) by exploring its defining characteristics through a comprehensive overview of the concept of decentralization. Gain valuable insights into the reasons why the world is transforming, and learn how cryptocurrencies and other novel financial assets are shaping the future of global finance through DeFi. You can stay ahead of the curve by understanding the complex mechanisms and opportunities that DeFi presents and make informed decisions that can help you navigate the ever-evolving financial landscape. 5. The Beginner's Guide to Investing & Wealth Building: Understanding Emergency Funds; Life, Disability, Umbrella Insurance; & How They Work Along with Stocks, Mutual Funds, & Real Estate Investments by Steven Cheung Why Read: This book covers everything from emergency funds to real estate investments, providing a solid foundation for building wealth. If you are considering investing and want to learn how to get started, the Beginner's Guide is an excellent resource that provides clear and actionable strategies from seasoned investors that can help you achieve your financial goals. One of the first steps in investing is to carefully document your objectives and create a concise financial plan that takes into account your risk tolerance, investment horizon, and overall financial situation. With the right approach and guidance, investing can be a rewarding and fulfilling way to build wealth and achieve your long-term financial goals. 6. Entrepreneur Mindsets and Habits: To Gain Financial Freedom and Live Your Dreams by James Moore Why Read: Provides guidance on finding mentors and achieving financial independence through entrepreneurship. If you're serious about building a successful business that goes beyond a simple side project, "The Mindset of Successful Entrepreneurs" by James Moore is a great resource. Moore explores the crucial mindset that can lead to success and provides valuable insight on finding a mentor to help you take your business to the next level. With Moore's guidance, you'll be on your way to achieving financial independence and realizing your entrepreneurial aspirations. 7. Beginner's Guide to Minding Your Money: Simple Strategies to Take Control of Your Money to Create the Life You Want by Patricia Stallworth Why Read: This book helps you create a workable financial plan and avoid common money mistakes. Patricia Stallworth's guide to minding your money provides you with simple strategies for managing your money. It also provides the necessary steps to design the life you want and create a workable plan to get there while eliminating the common mistakes that can stop you from turning your goals and dreams into reality. 8. Entrepreneur: Entrepreneur Mindsets and Habits to Live Your Dreams by Daniel D'Apollonio Why Read: This book helps you develop the mindset and habits needed to achieve financial freedom. Ready, set, develop an entrepreneur mindset. John and Daniel can help you prepare to get started as an entrepreneur. There are five habits of highly effective entrepreneurs. To establish these habits, developing a positive business mindset is essential. This book teaches you how to take your dream to the next level and create the financially free life you deserve. 9. Your Money Made Simple: The Key to Financial Freedom by Russ Crosson Why Read: This book demystifies money management and helps you create a secure financial future. Your Money Made Simple is a straightforward guide on creating your path to financial freedom and independence. Russ provides easy-to-use financial tools and charts to help you understand how to manage your income and budget to build wealth. It's time to eliminate the mystery of money management and reduce the uncertainty of your financial future. Don't wait to take control of your financial future! Download these free Kindle books today and start your journey towards financial literacy and success. Which book are you most excited to read? Share your thoughts in the comments below!

Teaching kids about money doesn't have to feel like pulling teeth. In fact, the best financial lessons happen when children don't even realize they're learning. Children as young as two can grasp basic money concepts, and by age seven, many of their money habits are already formed. Ready to give your kids a head start on financial literacy? These five engaging games will turn your living room into a mini Wall Street while building essential money management skills that last a lifetime. As an Amazon Associate, I earn from qualifying purchases. Why Teaching Money Skills Early Matters More Than You Think Before we dive into the games, here's a sobering statistic: 70% of wealthy families lose their wealth by the second generation, and 90% have depleted it by the third. This phenomenon, known as "shirtsleeves to shirtsleeves in three generations," happens because financial education gets overlooked. The solution? Start early, make it fun, and make it consistent. Game #1: Monopoly – The Real Estate Empire Builder Best for ages: 8 and up Key skills: Strategic thinking, property investment, cash flow management Monopoly isn't just a board game – it's a crash course in real estate investing. Your kids will learn to: • Evaluate investment opportunities (which properties to buy) • Understand cash flow (rent collection vs. expenses) • Experience the consequences of poor financial decisions (bankruptcy) • Practice negotiation skills during trades Pro parent tip: Use real money instead of Monopoly money occasionally to make the experience more tangible. Start with smaller denominations to keep it manageable. Real-world connection: Explain how the rent they collect in Monopoly is similar to how real landlords earn passive income. This plants early seeds about building wealth through assets. Game #2: The Game of Life – Your Financial Journey Simulator Best for ages: 8-14 Key skills: Career planning, debt awareness, life goal setting This classic game brilliantly mirrors real financial decisions we all face: • College vs. career: Should you take on debt for education or start earning immediately? • Salary management: How do you budget throughout different life stages? • Major purchases: When is the right time to buy a house or start a family? Teaching moment: When your child chooses the college path and takes on that $40,000 student loan, discuss how real student debt works and why education can be an investment in future earning potential. Game #3: Rich Dad CASHFLOW for Kids – Advanced Financial Strategy Best for ages: 6 and up Key skills: Income vs. expenses, asset building, financial independence concepts This game, created by Robert Kiyosaki (author of "Rich Dad Poor Dad"), takes financial education seriously. Unlike faster-paced games, CASHFLOW encourages deep conversations about: • The difference between assets and liabilities • How passive income works • Why financial education matters more than just earning money Parent strategy: Block out 2-3 hours for this game and use it as quality time for meaningful money discussions. Ask questions like "What would happen if you lost your job but still owned these assets?" Game #4: Cash Register Play – The Entrepreneur's Training Ground Best for ages: 3-8 Key skills: Basic math, making change, customer service, entrepreneurship The Learning Resources Pretend & Play Calculator Cash Register transforms your home into a bustling marketplace. Kids naturally become little entrepreneurs, creating their own businesses and learning: • How to calculate prices and make change • Basic addition and subtraction in real-world contexts • Customer service skills • The value of work (running their "store") Engagement booster: Create a family economy where kids can "buy" privileges (extra screen time, choosing dinner) with money earned from chores. Use the cash register for all transactions. Game #5: The Allowance Game – Mastering Wants vs. Needs Best for ages: 5-11 Key skills: Budgeting, prioritizing, earning through chores This underrated gem teaches perhaps the most crucial financial skill: distinguishing between wants and needs. Players must: • Earn money through chore cards • Make spending decisions with limited funds • Experience the consequences of impulse purchases • Learn that money is finite Real-life application: Implement a real allowance system where your child faces similar choices after playing. The game becomes a safe practice ground for actual financial decisions. Maximizing the Learning: Advanced Tips for Parents Make It Social Invite other families to join game nights. Kids learn differently when peers are involved, and you'll create a community focused on financial literacy. Connect to Real Life After each game, spend 10 minutes discussing how the lessons apply to your family's finances. Share age-appropriate examples of your own financial decisions. Track Progress Create a simple chart showing what financial concepts your child has mastered through gameplay. Celebrate milestones like understanding compound interest or successfully budgeting. Use Technology Wisely Complement board games with apps like SPENT https://playspent.org/ to help children make good money decisions, but keep physical games as the foundation for family bonding. The Compound Effect of Financial Game Nights Here's what happens when you make financial games a regular family activity: • Month 1: Kids start using money vocabulary naturally • Month 3: They begin questioning their own spending decisions • Month 6: Basic budgeting becomes second nature • Year 1: They're ready for real financial responsibilities like managing their own savings account Beyond Games: Building a Complete Financial Education While games provide an excellent foundation, consider these additional resources: • Books: "The ABCs of Money for Little Spenders" for younger kids, "The Adventure of Money" for teens • Real experience: Open a savings account together and track interest growth • Family meetings: Monthly discussions about household budgeting (age-appropriate level) Ready to dive deeper? Check out my comprehensive money activities on Etsy, designed to complement these games with worksheets, challenges, and real-world projects that transform kids into confident financial decision-makers. Your Action Plan: Start This Week 1. Choose one game based on your child's age and attention span 2. Schedule weekly game nights – consistency matters more than duration 3. Ask follow-up questions during and after gameplay 4. Connect lessons to real life whenever possible 5. Be patient – financial literacy is a journey, not a destination Remember, every game night is an investment in your child's financial future. While other parents worry about their kids' money management skills, you'll be watching yours make confident, informed financial decisions. The best time to start teaching your kids about money was yesterday. The second-best time? Right now, with a game board and genuine curiosity about building their financial foundation. Want more resources to raise financially savvy kids? Subscribe to our newsletter for weekly tips, game recommendations, and real-world teaching moments that make money management fun for the whole family. Updated: 5/22/2025

Photo by Amy Shamblen on Unsplash The holidays are a time for cheer and gathering with your friends and loved ones. It's also a time for gift-giving with family, friends, and coworkers. However, it can also be a time of year when people feel stressed about their finances. Whether you're participating in a gift exchange, a white elephant party, or just shopping for that special someone, here are a few gift ideas to keep your budget on track. As an Amazon Associate, I earn from qualifying purchases. 1. Amazon.com $25 Gift Card in a Gift Box Reveal An Amazon gift card is the easiest option for the hard-to-shop person in your life. You can preset your spending limit and know that your purchases will not be regifted in the future. Gift cards can come from Amazon, a favorite retailer, and restaurants. We all have to eat. 2. Electronics The most popular electronics are the Playstation and the Nintendo Switch. These items can cost between $400-$800 and up. You can keep your budget on track by purchasing an Amazon Fire Stick that can be used anywhere. This is the perfect gift if you have a friend or family member who loves to travel. As long as the location has a WiFi signal, they can watch their favorite shows anywhere! This is an ideal gift to binge-watch the latest episode of The Sinner. 3. UBeesize 10" Selfie Ring Light with 50" Extendable Tripod Stand & Phone Holder Many ring lights are available now, ranging from $30 to $100 and up. The UBeesize ring light is affordable and lightweight and enables you to adjust the lighting with the click of a button. It's also very sturdy and can be moved to any room in the house or even used outdoors. This is one of my favorite purchases and holds steady after months of use. 4. Beauty and Grooming Items Do you have a bearded person in your life? You know that it takes time to care for and maintain a beard if you do. The Zeus beard kit is perfect for the bearded individual in your life. The oil included has rave reviews and has been mentioned to have kept the skin underneath the beard moisturized. It comes in different scents and is sulfate and paraben-free. 5. Pet Supplies Dogs poop. So, if you have a friend, family member, or coworker who has a dog, help them pick it up with the Certified Home Compostable Dog Waste Bags. They'll thank you later. These bags come lavender-scented or unscented and are leakproof, guaranteed. You will be thanked for that, too. 6. Crocs Crocs come in all styles, colors, sizes, and accessories are available for Crocs now. Crocs are worn by people of all ages and are no longer worn in the yard or around the house. They are versatile, can go with any outfit, and can be found for under $50. Crocs are a perfect gift for a fashionista, yoga enthusiast, or trailblazer. 7. Miscellaneous Fun Items! Are you still struggling to find that perfect gift? Here are a few miscellaneous items for those special people in your life. • New Baby Gift for Parents • Grandpa Keychain • Dad Keychain • Superhero Action Figures • Fender Premium Guitar Picks • Big Hit Entertainment - BTS - Butter Album+Extra Photocards Set More Gift-Giving Tips 1. Make a list and stick to it. It's easy to get sidetracked and overspend when shopping for gifts. Make a list of the people you need to buy for and how much you're willing to spend on each person. 2. Consider DIY gifts. If you're crafty, there are many great DIY gift ideas that are personal and budget-friendly. You can make gifts like homemade baked goods, personalized mugs, or framed photos. 3. Check out discount stores and thrift shops. You can often find great deals on gifts at discount stores and thrift shops. Be patient and take your time browsing the aisles. You never know what you might find! 4. Give experiences instead of things. Sometimes, the best gifts are experiences people can cherish for years. Consider giving tickets to a concert or show a gift certificate for a massage or spa treatment or a weekend getaway. 5. Get creative with gift wrapping. You can save money on gift wrapping by using recycled materials or making your own wrapping paper. You can also get creative with your gift wrapping using different ribbons, bows, and tags. 6. Don't forget about homemade gifts. Homemade gifts are always appreciated and can be a great way to save money. You can make gifts like cookies, brownies, or a batch of your favorite homemade soup. 7. Give gifts of time. Sometimes, the best gifts are gifts of time. Offer to give someone a massage, babysit their kids, or help them with a project. 8. Don't feel pressured to spend a lot of money. The holidays are about more than just giving expensive gifts. It's about spending time with loved ones and showing them how much you care. Following these tips, you can save money on holiday gifts without sacrificing thoughtfulness or quality. Need more tips to afford gifts this holiday season?

Photo by Melinda Gimpel on Unsplash What happens if you don't make your wishes known when you pass away? It could lead to your estate going into probate and your family members having to deal with the disbursement of your assets. This could lead to family infighting on what they think your wishes would have been. From hiring a professional to ensuring there is a digital copy of the will, here are six answers to the question, "What are some helpful tips for managing your estate to avoid inheritance nightmares?" An Estate Planning Checklist 1. Consult an Estate Planning Attorney 2. Clarify Your Wishes 3. Keep All Documents Up to Date 4. Consider Tax Implications 5. Organize All Estate Documents 6. Be Sure to Have a Digital Will 1. Consult an Estate Planning Attorney Consider consulting with an estate planning attorney to ensure everything is in order and provide peace of mind for the future. An attorney can help you create a comprehensive plan tailored to your needs, allowing you to decide exactly who will receive your assets and in what form. Additionally, they can review documents like wills and trusts to ensure everything is up-to-date and legally valid. Proper planning prevents future inheritance nightmares and ensures your legacy is passed on the way you want. Michael Fischer, Founder, Elite HRT 2. Clarify Your Wishes The best way to avoid inheritance nightmares is to make your wishes clear. If you have children, grandchildren, nieces, nephews, or other relatives likely to be beneficiaries of your estate, make sure they know what you expect from them. Talk to them about what you expect from them to support you in your old age, help you with your finances, drive you to appointments, etc. Ensure they know any specific conditions or things you need that you would like them to be mindful of before you pass away. If you have property that you want them to inherit, make sure they know about it. Tell them if you have specific items you want them to have. If you have property you do not want them to inherit or want them to donate your assets to a charity, be sure to let them know. Matthew Ramirez, CEO, Rephrasely 3. Keep All Documents Up to Date One tip for managing your estate to avoid inheritance nightmares is to stay organized. Keeping all of your documents up to date and easily accessible for family members and other executors can help reduce the stress involved in settling an estate after a person's death. Make sure that you have a coherent plan, including who will be responsible for what tasks, and keep copies of important documents in a secure location. It is important to note that estate planning can be complex and requires careful consideration, so it is best to seek the advice of a qualified financial planner or attorney. Aviad Faruz, CEO, FARUZO A few key estate planning documents are: • Personal identification documents: Birth certificate, driver's license, passport, and marriage certificate • Tax returns • Copies of statements for all bank accounts and investment accounts • Insurance policies • Real estate deeds and vehicle titles • Last will and testament • Health Care Directive • Social media account passwords • Debt summaries from loans, mortgages, credit cards, etc. 4. Consider Tax Implications One tip for managing your estate to avoid inheritance nightmares is to consider the tax implications of your estate plan. Depending on the size of your estate and the specific assets involved, there may be significant tax consequences for your beneficiaries. It's important to work with an experienced tax professional who can help you understand these implications and structure your estate plan in a way that minimizes the tax burden on your heirs. This can help to ensure that your assets are passed down to your loved ones in the most efficient and effective way possible. Will Gill, Event Entertainer, DJ Will Gill 5. Organize All Estate Documents It's important to keep your estate documents organized and stored in a safe place so your heirs can easily access them when needed. Additionally, it's wise to review them periodically and make any necessary updates to ensure that your wishes are accurately reflected. Yusuf Shurbaji, Co-Founder and Managing Partner, Prismfly 6. Be Sure to Have a Digital Will Much of what we do these days is digital. From banking to entertainment, almost everyone has digital assets that need to be managed after they die. A digital will, such as those offered by DigitalWill.com, applies smart technology to give your loved ones access to these vital records and accounts when you're gone. This way, they aren't scrambling to find passwords and login information while grieving a loss. Joe Karasin, CMO, Karasin PPC What's one thing you've done to begin your estate planning process? Leave a comment below.

Unlock your potential as a small business owner with free entrepreneurship programs designed specifically for women and minority-owned businesses! Fifteen seasoned professionals, including business coaches and founders, have shared their insights on the top fifteen programs empowering entrepreneurs and fostering growth in diverse business communities. From Dielle Charon's classes to the Women Entrepreneurs Builders Program, discover the myriad of benefits these programs offer and take the first step towards realizing your business dreams. Free Entrepreneurship Programs for Women and BIPOC • eCornell Women's Entrepreneurship Program • Dielle Charon's Classes • Techstars Diversity in Tech Fellowship • Women's Economic Ventures • J.P. Morgan Chase's Program • The Minority and Women Entrepreneurship Program (MWBE) • The Amber Grant  • WE Source  • Your Local Chamber of Commerce • Goldman Sachs' Entrepreneurial Growth Program • Echoing Green's Fellowship • Ignite My Future in School Program • NAWBO's Leadership Development Program • Small Business Development Center(SBDC) • SheEO's Global Entrepreneur Empowerment • Women Entrepreneur's Builders Program eCornell Women's Entrepreneurship Program The Women's Entrepreneurship Program offered by Cornell University is designed to assist women in launching and improving their businesses. The program comprises six modules that take you through the process of creating your venture and developing leadership skills for female entrepreneurs. If you want to learn about establishing a legal structure for your business and creating a strong entrepreneurial presence as a female business owner, this free program is an ideal fit for you. It has personally helped me. Annette Harris, Owner, Harris Financial Coaching Dielle Charon's Classes You may find that the free classes offered by Dielle Charon are the best option for women and minority-owned businesses. Dielle provides insights based on her own personal experience of starting a business without any support from people who looked like her. Dielle has been able to scale her business to seven figures and is passionate about helping women achieve their entrepreneurial dreams. Dielle Charon, Business Coach, Dielle Charon Coaching Techstars' Diversity in Tech Fellowship One amazing program that helped my small business succeed—and I would recommend it to women- and minority-owned small businesses—is the Diversity in Tech Fellowship by Techstars. This program is open to female entrepreneurs, underrepresented minorities, and other diverse groups. It offers an intensive three-month accelerator experience, exceptional mentorship from leading tech companies, access to resources and funding opportunities, interactive workshops, and industry experts.  Plus, it allows you to learn from experienced entrepreneurs who have been through it before—and sometimes even find the right partners for your startup. Luke Kowalski, Founder, Watch Binge Repeat Women's Economic Ventures Women's Economic Ventures, a nonprofit organization based in Santa Barbara, California, provides excellent support for women-owned businesses. I have been in touch with them on multiple occasions, and they have always been very friendly and helpful. They offer a range of resources to assist with funding, marketing, and business operations. Jason Vaught, Director of Content, SmashBrand J.P. Morgan Chase's Program I recently came across J.P. Morgan Chase's free entrepreneurship program for women and minority business owners. This program is revolutionary, especially for small business owners like myself in the blockchain and NFT sectors. It offers theoretical knowledge, practical tools, and insights that are immensely valuable.  For instance, I attended a strategic financing workshop, which completely transformed my approach to funding and investment. The program's focus on real-world challenges and solutions and the opportunity to network with fellow entrepreneurs make it an indispensable resource. Artem Minaev, Co-Founder, CryptoDose The Minority and Women Entrepreneurship Program (MWBE) The Minority and Women Entrepreneurship Program (MWBE) is one of the most beneficial resources for women- and minority-owned businesses. This program offers a wide range of resources geared toward the success of female and minority entrepreneurs.  These services include free counseling sessions with experienced professionals to help develop business plans; access to capital through loans at low-interest rates; training courses that cover various aspects related to starting a business; assistance in finding mentorships by connecting entrepreneurs with successful local companies; educational workshops on topics like legal structures, sales, marketing strategies, tax information, and financing options; as well as direct grants from Institutional Development Funds. David Bui, Director and Business Specialist, Schmicko The Amber Grant  The Amber Grant, provided by WomensNet, is an excellent opportunity for women- and minority-owned businesses. It awards $10,000 every month to a selected woman-owned business.  The program also includes additional grants for startups and nonprofits and significant annual awards. The application is straightforward and open to newer businesses, which is especially beneficial for startups. This grant offers financial aid and serves as a platform for recognition, which is crucial for businesses in their early stages. Nick Sforza, Founder and Digital Marketer, Opvital WE Source If you're a woman or a minority-owned business owner looking for a fantastic, free entrepreneurship program, the "WE Source" program by the Women's Enterprise Centre of British Columbia is highly recommended. This program is an absolute gem because it offers a wide range of resources and supports expressly tailored to the unique challenges that women entrepreneurs face. WE Source provides access to expert business advisors, online learning modules, and networking opportunities that can be game-changers for small business owners. The best part? It's free! The program empowers women and minorities by providing them with the knowledge and tools they need to succeed in the competitive business world.  As someone passionate about supporting diversity and inclusion in entrepreneurship, I find this program incredibly beneficial for fostering growth and creating a supportive community for women- and minority-owned businesses. Samantha Odo, Real Estate Sales Representative and Montreal Division Manager, Precondo Your Local Chamber of Commerce Local Chambers of Commerce initiatives offer free entrepreneurship programs for women and minority-owned businesses. These programs provide education, networking opportunities, and advocacy, benefiting small-business owners by connecting them to local resources and support systems.  For example, our Chamber of Commerce offers a program called "Empower Her Business" that provides free business workshops, mentorship, and access to local business networks. This initiative not only equips women and minority entrepreneurs with essential knowledge and skills but also creates a supportive community where they can exchange ideas, collaborate, and access potential customers and investors. Yoana Wong, Co-Founder, Secret Florists Goldman Sachs' Entrepreneurial Growth Program The Goldman Sachs 10,000 Small Businesses program is a free entrepreneurship program open to women- and minority-owned businesses. This program offers small-business owners access to education, capital, and support services to help them grow their businesses. It also provides networking opportunities with other business owners and industry experts.  This program benefits small-business owners by offering valuable resources and support to help them overcome challenges and barriers to success. The program's education component provides business owners with knowledge and skills related to marketing, financial management, leadership, and other key areas of entrepreneurship.  Access to capital can provide much-needed funding for growth and expansion opportunities. The networking aspect allows business owners to connect with like-minded individuals and experts who can offer guidance and support. Zach Shelley, Founder and CEO, A-List Properties Echoing Green's Fellowship The Echoing Green Fellowship is an uncommon example of a free entrepreneurship program open to female and minority-owned businesses. It offers financial support, mentoring, and professional development opportunities for social entrepreneurs leading their own startups.  This program provides these aspiring entrepreneurs the resources to launch innovative solutions to pressing global problems while building their networks and allowing them space to grow.  The Echoing Green Fellowship is particularly well-suited for small business owners because of its long-term potential; besides monetary resources, it serves as a platform to bring new ideas to fruition and sharpen leadership skills through invaluable support from peers and advisors alike. Tasia Duske, CEO, Museum Hack Ignite My Future in School Program Being a female founder, the free "Ignite My Future in School" program offered by Tata Consultancy Services and Discovery Education has been a game-changer.  Its focus on infusing computational thinking strategies into everyday lessons resonated. The program's strategies prove beneficial in assimilating technology into our curriculum, paving the path for innovative thinking. It is like fuel to our ambition, encouraging us to push boundaries and explore new horizons in education. Nooran Zafarmand, Co-Founder and CEO, Japamana NAWBO's Leadership Development Program There are many entrepreneurship programs, but one that stands out as open to women and minority-owned businesses is the National Association of Women Business Owners (NAWBO) Institute for Entrepreneurial Leadership Program. This program provides a comprehensive curriculum that focuses on developing leadership skills, creating strategic plans, and fostering growth in all aspects of business.  It also offers mentorship opportunities with successful entrepreneurs and access to valuable resources, such as networking events and workshops. This program benefits small business owners by providing practical education and support and promoting diversity and inclusivity in the business world.  By participating in this program, women and minority-owned businesses can connect with like-minded individuals and gain the necessary skills and resources to thrive in their entrepreneurial endeavors. Warner Quiroga, Founder and CEO, Prestige Home Buyers Small Business Development Center (SBDC) As an entrepreneur in the United States, you can access the Small Business Development Center, which offers no-cost, one-on-one startup and management consulting. With nearly 1,000 local centers nationwide, the SBDC fosters small business growth and development, providing essential resources to new and existing businesses. In Michigan, the SBDC's Uplift program stands out for its commitment to diversity and inclusion. It's designed to give diverse entrepreneurs equitable access, tackling critical challenges like funding, professional networking, and growth strategies.  Uplift offers personalized support, financial literacy education, and a vast network of connections with culturally and linguistically inclusive resources. This makes it a particularly invaluable asset for underrepresented small business owners, helping them navigate the complexities of entrepreneurship. Karlie Robinson, Business Consultant, SBDC, Michigan Small Business Development Center SheEO's Global Entrepreneur Empowerment When it comes to empowering women and minority-owned businesses, one free entrepreneurship program that stands out is SheEO's Global Activator Program. This innovative program empowers female entrepreneurs with knowledge, resources, and access to a supportive global community of professionals. This program provides invaluable educational training in marketing, product development, operations planning, financial management, and more—all delivered online by some of the world's top business experts. Entrepreneurs joining this program also gain access to a robust network of mentors to help them develop and grow their businesses. Matthew Lake, Managing Director, Guardian Safe and Vault Women Entrepreneur's Builders Program The Builders Program by Women Entrepreneur is an excellent resource, especially for women entrepreneurs. It's a self-paced online course to learn at your convenience. The first course, "Risk-Taking & Entrepreneurship," is free and focuses on the unique role of women in business and culture, highlighting why women are natural brand builders. This course offers insights from various innovators and leaders, including the world's greatest free climber and a neuroscientist, providing tips on risk-taking. It includes practical exercises and worksheets, helping you develop and refine your business strategy.  This program is ideal for those thinking about starting a business or wanting to expand an existing one. It's also useful for gaining a cultural understanding of women in business, which can benefit personal and professional growth. This program is an excellent opportunity for women entrepreneurs to learn, grow, and advance their businesses. Precious Abacan, Digital Marketing Manager, Softlist

Photo by Shane via Unsplash There may have been times when you've been in a bind and needed cash immediately. You probably had to take money out of your savings account, ask a familiar member or bank for a loan, or even gone to a payday lender. Being in a situation where you need cash right away to pay for a parking ticket, groceries, or gas to get to work can be stressful. In comes DailyPay, a payment method that you can use to get quick access to your income from your employer before payday. That's good news—well, not always. Let's look at DailyPay's advantages and disadvantages when you have difficulty managing your finances. The Advantage of DailyPay If you've been out of work for a while and started a new job, you may have some expenses that you need to catch up on. For example, gas to get you back and forth to work daily or increased rent costs if you live in rent-subsidized housing. Where do you get this money if you haven't received your first paycheck? With DailyPay, you can get a portion of your pay in advance when you have a participating employer. By getting an advancement in your pay, you won't need to ask for or borrow money from anyone. That's great news, but it could also cause financial problems if you do it too often. See my feature in 11 Best Personal Finance formulae to live By Limited Ease of Access to Your Income With DailyPay, you may assume you can get your full pay in advance. However, there are limits. Your employer can put limits on how much you can withdraw. For example, if you are paid $500 weekly, you can receive 40% or $200 in advance using DailyPay. Your employer will pay the remaining income to you on your regular payday. Once payday does come around, you will notice that you're going to receive a $300 (pre-tax) deposit. This may be a little shocking to you. If you continually request DailyPay, the cycle of receiving various paycheck amounts can make it difficult for you to manage your finances. Inability to Manage Your Finances Using DailyPay Emergencies tend to occur when you least expect them. Things like getting a flat tire, having a boot put on your car, increased utility costs, or your air conditioner failing can cause you to scramble to find the funds you need to pay for these events. If you don't have an emergency fund setup, you may be tempted to use DailyPay. Triggering the DailyPay option will cause your monthly budget to get out of alignment quickly and can leave you scrambling to find the necessary funds to cover your bills at the end of the month. See my feature in: 10 Signs Your Spending is Out of Control - and How to Address It It can also lead to insufficient fund fees being charged when your bill payments are automatically drafted from your bank account. The insufficient fund fee of $35 or $75 may seem minimal when you are in a bind, but it tends to add up over time if you continually receive them. Having a budget that can eliminate the need to use DailyPay and the dreaded insufficient fund fees is essential. Spending Without an Income Schedule or Budget You can make transfers using DailyPay as often as your employer allows. You can transfer your funds daily, every other day, weekly, or on another schedule. The downfall is that you won't be able to predict your income to budget for your weekly or monthly expenses. If you aren't used to budgeting your income, this can lead to dire situations where you can't afford your living expenses. It can also become a habit of requesting your pay in advance, leading to the inability to plan for your future expenses. Predicting your income is critical when establishing a budget for expenses. It will also help with future planning for the goals that you want to set for yourself. What Can You Do To Prevent DailyPay Usage to Predict Your Income and Manage Your Spending? Here are a few tips: • Reduce the usage of DailyPay so you can get paid on a set schedule. • Establish an emergency fund to reduce the need to use DailyPay. • Write down your monthly income and expenses. • Create a weekly or monthly budget for the income you plan to spend, save, or invest. • Establish future goals that you want to achieve using the SMART method. • Reduce your impulse spending on eating out or shopping. • Only use DailyPay when it's critical! • If all else fails, disenroll from DailyPay or delete the app from your phone. Do you find managing your finances challenging? Book a complimentary consultation to discover the benefits of financial counseling.

Are you fascinated by the psychology behind financial decisions? Do you wonder what drives people to extreme measures when money is involved? These thrilling movies about money and greed will entertain you and provide profound insights into human nature. Perfect for adult viewers, these films explore the complex world of finance, deception, and the lengths people will go to for wealth. As an Amazon Associate, I earn from qualifying purchases, and based on my past viewing of these movies, you'll be shocked at the value they bring. Top Ten Movies About Money and Greed for Adults 1. The Perfect Host 2. Crisis 3. The Burial 4. The Simple Life of Noah Dearborn 5. The Wizard of Lies 6. Inside Job 7. Parasite 8. The Women of Brewster's Place 9. The Florida Project 10. Money Monster 1. The Perfect Host (2010): When Greed Meets Deception Why you'll be hooked: This psychological thriller follows John, a bank robber who thinks he's found the perfect hideout. What unfolds is a masterclass in plot twists and unexpected turns. When John believes he's safe, the police investigation begins to uncover shocking secrets that lead him down a path of intricate deception. The Perfect Host brilliantly demonstrates how everyone has their own agenda when money is involved. The film's unpredictable narrative will keep you questioning everything you think you know. If you enjoy movies that challenge your perception and deliver jaw-dropping revelations, this is a must-watch thriller you won't soon forget. 1. Crisis (2021): When Medicine Meets Money Why you'll be hooked: This gripping drama exposes the dark side of the pharmaceutical industry and the opioid crisis. Crisis takes you into the world of doctors who provide painkillers to vulnerable patients for profit while cops attempt to catch them in the act. Simultaneously, a professor discovers inconsistencies in his research for a new drug and must decide whether to become a whistleblower—potentially destroying his career and the college's financial future. This powerful film tackles grief, greed, and life-altering decisions that will leave you questioning the ethics of our healthcare system. The performances are riveting, and the storylines intersect in ways that will keep you thinking long after the credits roll. Crisis revolves around grief, greed, and gripping decisions in crucial situations. 1. The Burial (2023): David vs. Goliath in the Corporate World Why you'll be hooked: Based on a true story, this legal drama combines humor with heart as an unlikely duo takes on corporate America. When Jeremiah O'Keefe faces losing everything due to shady business practices, he partners with charismatic attorney Willie Gray to fight for his family business against a powerful corporation. The Burial delivers a perfect blend of legal drama, corporate corruption, and unexpected friendship. The chemistry between the leads makes this David vs. Goliath story both inspiring and entertaining. You'll find yourself cheering for the underdogs while getting a fascinating glimpse into the world of corporate takeovers and legal maneuvering. 1. The Simple Life of Noah Dearborn (1999): When Land Equals Money Why you'll be hooked: This heartwarming yet tension-filled drama shows the lengths people will go to for prime real estate. Noah Dearborn, a skilled carpenter, becomes the target of developer Christian Nelson, who desperately wants his valuable property. When Noah refuses increasingly generous offers, Christian schemes to have him declared mentally incompetent—revealing the dark side of real estate development. The Simple Life of Noah Dearborn powerfully illustrates how money can corrupt relationships and moral judgment. The film's authentic portrayal of rural life and property battles will resonate with anyone who has witnessed the transformation of small towns by big development. 1. The Wizard of Lies (2017): The Ultimate Financial Deception Why you'll be hooked: This biographical drama takes you inside the mind of one of history's most notorious financial criminals. The Wizard of Lies provides an unflinching look at Bernie Madoff's $50 billion Ponzi scheme through interviews conducted by Diana Henriquez while Madoff serves his prison sentence. The film expertly reveals how Madoff's empire crashed in December 2008 and the devastating impact on his family and victims. Robert De Niro's mesmerizing performance captures Madoff's complex psychology, making this more than a financial crime story. It's a chilling reminder to be vigilant about who you trust with your money and the devastating consequences of financial fraud. 1. Inside Job (2010): The Financial Crisis Exposed Why you'll be hooked: This Oscar-winning documentary delivers a comprehensive and shocking explanation of the 2008 financial crisis. Inside Job meticulously examines how the collapse of Iceland's economy (with $100 billion in losses against a $13 billion GDP) foreshadowed a global financial disaster. Through interviews with financial executives, economists, and world leaders, the film uncovers the truth behind the bankruptcy of Lehman Brothers and the collapse of AIG—events that doubled the national debt and left millions unemployed. The film's ability to break down complex financial concepts into understandable terms makes it essential viewing for anyone interested in economics or recent history. The raw, unfiltered reactions of those interviewed—from open honesty to stunned silence—reveal volumes about the culture of Wall Street. 1. Parasite (2019): Class Warfare at Its Finest Why you'll be hooked: This Oscar-winning South Korean thriller blends dark comedy with social commentary. Parasite follows the Kim family as they infiltrate the wealthy Park household through elaborate deception. What begins as a scheme for survival soon spirals into something far more sinister as greed takes hold. Director Bong Joon-ho's masterpiece will make you laugh and gasp the next. The film's stunning cinematography and brilliant performances create a perfect allegory for wealth inequality that will leave you questioning social structures and your relationship with money. 1. The Women of Brewster's Place (1989): Survival in Systemic Poverty Why you'll be hooked: This powerful drama follows strong Black women facing systemic economic barriers with courage and community. The Women of Brewster's Place centers on residents of a run-down building, including single mother Mattie Michael, ambitious Etta Mae Johnson, and activist Kiswana Browne. The film doesn't shy away from showing the harsh realities of poverty—from rat infestations to inadequate healthcare—but also celebrates the human spirit and community resilience. With outstanding performances from an ensemble cast, this film puts a human face on economic struggle. It's an emotional journey that will give you a deeper understanding of how poverty shapes lives and the importance of community in overcoming adversity. 1. The Florida Project (2017): Childhood on the Economic Fringe Why you'll be hooked: This critically acclaimed drama offers a child's-eye view of poverty in the shadow of Disney World. The Florida Project follows families living in extended-stay hotels near Orlando, where parents work low-paying jobs while children roam freely. Through the eyes of young Moonee, we see the precarious nature of life on the economic edge—where a single setback can lead to homelessness. Willem Dafoe delivers a standout performance as Bobby, the hotel manager who tries to protect the children. The film's vibrant cinematography contrasts with its sobering subject matter, creating an unforgettable viewing experience that will bring you to tears while expanding your understanding of America's hidden poverty. 1. Money Monster (2016): When Financial Advice Goes Wrong Why you'll be hooked: This real-time thriller combines edge-of-your-seat suspense with biting commentary on financial media. When a gunman takes financial TV host Lee Gates (George Clooney) hostage on live television after losing his life savings on a bad stock tip, the truth behind an $800 million "glitch" begins to unravel. Money Monster delivers nail-biting tension while exposing the dangers of mindlessly following financial advice. The film's real-time format creates incredible suspense as Gates and his producer (Julia Roberts) race to uncover the truth before it's too late. Anyone who has ever invested in the stock market—or considered doing so—will find this thriller entertaining and cautionary. What to Watch Next? These compelling films about money and greed offer more than just entertainment—they provide valuable insights into human nature and the powerful influence of wealth on decision-making. Each film explores different aspects of our complex relationship with money, from psychological thrillers to documentaries. Before you make your next financial decision, take time to watch these eye-opening movies. They'll remind you to stay vigilant against the money monsters lurking in the shadows, ready to prey on unsuspecting victims. Don't have Amazon Prime? Start a Free 30-Day Trial today to watch thousands of movies and TV shows anytime! Which of these money-themed movies will you watch first? Share your thoughts in the comments below!