eMoney Advisor – Financial EDU – Economic RealityCreative Director: Jeffrey BerryWriter: Jeffrey BerryDesigner: Marlene LargeEditor/Animator: Marlene Large

Personal savings in America is at a four year low.

29% of Americans have savings less than $1,000

56% of Americans have savings less than $25,000

97% of Baby boomers have not saved enough for their retirement

55% of Americans did not save..

eMoney Advisor – Financial EDU – Economic RealityCreative Director: Jeffrey BerryWriter: Jeffrey BerryDesigner: Marlene LargeEditor/Animator: Marlene Large

One penny last year.

This year…

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American personal debt is near an all time high.

Americans have $772 billion in outstanding credit card balances.

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Over 2.32 Million Americans applying for a mortgage were rejected.

The average student graduates from college with $23,186 in debt.

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eMoney Advisor – Financial EDU – Economic RealityCreative Director: Jeffrey BerryWriter: Jeffrey BerryDesigner: Marlene LargeEditor/Animator: Marlene Large

College graduates collectively owe more than $1,000,000,000,000 on student loans.

Last Year…

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More Americans filed for bankruptcy

than graduated college.

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More Americans filed for bankruptcy than filed for divorce.

42% of America lives from paycheck to paycheck

.

eMoney Advisor – Financial EDU – Economic RealityCreative Director: Jeffrey BerryWriter: Jeffrey BerryDesigner: Marlene LargeEditor/Animator: Marlene Large

55% of Americans spend more than their annual income

10,000 Baby Boomers will turn 65 years old today and every day for the next 18 years.

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34% of adults say they have no money saved for retirement

58% have not calculated their retirement needs

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33% of retired Americans rely almost entirely on Social Security payments alone.

Social Security (if still around) will provide annual income of approx. $26,000

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eMoney Advisor – Financial EDU – Economic RealityCreative Director: Jeffrey BerryWriter: Jeffrey BerryDesigner: Marlene LargeEditor/Animator: Marlene Large

The U.S Poverty Line for a family of 4: $22,300

62% will retire with Less Than $25,000

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Another 35% will retire with Less Than $100,000

Only 2% have an adequate pension or retirement account.

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What can you (I, We) do?

We’ve faced BIG challenges before:

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eMoney Advisor – Financial EDU – Economic RealityCreative Director: Jeffrey BerryWriter: Jeffrey BerryDesigner: Marlene LargeEditor/Animator: Marlene Large

World Wars Great Depression .Com bubble burst 9.11 Terrorism 2008 Meltdown

We always survive and grow stronger

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Now is no different

It’s Time

Take responsibility

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Claim your financial Independence

eMoney Advisor – Financial EDU – Economic RealityCreative Director: Jeffrey BerryWriter: Jeffrey BerryDesigner: Marlene LargeEditor/Animator: Marlene Large

This is how you (I, We) do it

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Understand

Need Vs. Want

Make a Budget, live by it

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Save 15% of every paycheck

Pay off credit cards every month

eMoney Advisor – Financial EDU – Economic RealityCreative Director: Jeffrey BerryWriter: Jeffrey BerryDesigner: Marlene LargeEditor/Animator: Marlene Large

Take advantage of employer 401K matching plans

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Work with a trusted financial advisor

Use the web to monitor and track all your accounts

Adjust and Revise along the way

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Take charge of your money Save Invest Protect Grow Succeed