Start the New Year off right by setting Goals! Are you wondering what goals to set for yourself and your family in 20256 Are you ready to take control of your financial future and guide your loved ones to do the same? Here are some possible goals: Get out of Debt. Build an emergency fund. Create and implement a retirement plan. Plan for my children's post-high school life. Stop being short of money at the end of the month. Understand my investment. • Get in harmony with my spouse over expense Achieving financial independence is not just about managing money, it’s about empowering yourself and your family to thrive. Our books , available on Amazon,, provide answers by breaking down essential financial concepts into easy, actionable steps for everyone in your family. From teaching your children and teens to building a secure future for yourself, our collection offers focused education tailored to specific audiences: Our books are available o Raising Financially Independent Children. * - Fun and engaging ways to teach kids the basics of money management, setting them up for success. Financially Independent Teens,: - Essential tools for middle and high schoolers to make informed decisions about finances during these formative years. Financial Independence Essentials:, A foundational guide for anyone starting out on their financial journey. Financial Essentials for Couples: , - Practical advice on managing finances together, cohabitation agreements, and building a strong financial partnership. Financial Essentials for Women by Women:, - Insights and strategies to help women set and achieve financial goals. Budgeting for Women by Women:, - ,Straightforward budgeting techniques designed with women’s unique challenges in mind. FREE on our website Retirement Guidebook:, - comprehensive roadmap to planning and enjoying retirement. How to get out of Debt,1 – A step to step guide to help you get Out of debt ,and stay out of debt. FREE on our website Scams, Fraud, and Protecting Your Money FREE on our website Visit us at https://parentsfin.wixsite.com/website/books or find our titles on Amazon . Explore real-life stories and examples to make financial concepts relatable and easy to understand. Whether you're a parent looking to educate your child, a couple navigating finances, or someone planning for retirement, we have the resources to help you. Discover the power of financial literacy today! FREE on our websitehttps://parentsfin.wixsite.com/website/focused-ebooks

What are some of the ways a couple handles bills and expenses? Disagreements about money can create tension in relationships, but they don't have to. Our book Financial Essentials for Couples dives into different ways to manage bills and expenses, from joint accounts to keeping personal money separate. Whether you're splitting bills equally or based on income, creating a financial system that works for both partners is key. Learn how to navigate money discussions and set up a budgeting plan that strengthens your relationship. Available on Amazon There are varying approaches to sharing bills and setting up your accounts to make it easy to track where you are. One way is to open a joint account that pays bills, with each of you contributing to the joint account. The amount you put in a joint account could be equal or prorated to your respective salaries. Another way of organizing your finances is to open a joint account and have all earnings go into the joint account. If all salaries flow into a joint account, we highly recommend that you each retain a personal account that will hold money that is your personal money, to spend in any way you choose. The joint account would transfer a certain amount monthly that becomes your personal discretionary money. A third possibility is that you each retain your personal accounts and just allocate who will pay which bills, doing a reconciliation of the budget by the end of each month. Read more about the approaches to sharing expenses and creating a household budget in our book Financial Essentials for Couples available on Amazon. Check out our books on financial independence at https://parentsfin.wixsite.com/website/books or on Amazon. Raising Financially Children Financially Independent Teen Financial Essentials for Couples Financial Essentials for Women by Women Financial Essentials Budgeting for Women by Women Investing for Financial Independence

out this free book on Amazon Financially Independent Teams On Sale free kindle book on Amazon until 12/9/2025 What Does Your Teen Need to Know When Going Off to College? Is Your Teen Ready for College Finances? COMPARING COLLEGES: What You Really Need to Know Before Choosing Check out our books on teens. College and financial independence at htps://parentsfin.wixsite.com/website/booksand on Amazon College is about more than academics — it's a crash course in real life. For many teens, this is their first time managing money on their own, and the stakes are high. Without guidance, young adults can quickly fall into debt, mismanage credit, or simply run out of cash mid-semester. That's why financial literacy is one of the most important skills your child can take with them to campus. When your teen leaves for college, they’re not just packing clothes and school supplies — they’re taking on adult responsibilities. That includes: Creating and following a budget Using credit cards responsibly Planning for unexpected costs Without these skills, students can face stress, debt, and even drop out due to financial pressures. But with the right tools and guidance, they can develop the confidence to manage their money wisely. What to compare when choosing a college: Cost of attendance (excluding loans) Time to graduate (4-year vs. 5-year+ rates) Post-graduation employment & average starting salary Housing (on/off-campus options and costs) Meal plans & food costs (Are they required? Can you cook?) Want to go deeper? Check out Financially Independent on Teens On Amazon Introducing: Financially Independent Teens Financially Independent Teens is a story-based book written by Nancy Burgandine that blends personal finance education with engaging narratives to help teens understand and apply essential money principles. Perfect for reading solo or as a parent-teen resource. Topics covered include: Budgeting (and sticking to it) Managing credit cards wisely Evaluating and comparing college costs Understanding student loans and financial aid Setting up checking/savings accounts Exploring early retirement savings options Investing basics and the power of compounding Real-world consequences of poor credit (renting, deposits, job applications) 📖his isn’t just theory — the book uses examples and stories to bring financial lessons to life in a way teens will actually get. Smart Planning = Long-Term Payoff

Why Good Credit Matters The COVID-19 pandemic has shown that you can’t count on things going as planned and it’s smart to be prepared. Even if you don’t plan to borrow a dime, a good credit record is valuable. Think of it like a household fire extinguisher: It’s smart to have a good one even though you have no plans to use it. And your credit can influence your life in ways beyond borrowing. Here’s why good credit is so valuable: • A good credit score can help you borrow at a reasonable cost.. • Many landlords check credit • Many employer • s check credit • Some insurance providers offer discounts for good credit For more information check out our website! Subscribe to our channel. Check out our Amazon page to see our series of books on financial independence Each book has a target audience which will cover topics most relevant The book audience. Some topics include teenagers couples, or retirement others are topic specific such as budgeting or how to get out of debt Find all of this information on our website How to Get Out of Debt is part of Financial Independence for Children, Teens, and Adults, a 10book series written to empower financial literacy and facilitate financial solvency among youth and adults alike. Each book is focused on a specific population with stories and examples tailored for connection to the audience, and ease in understanding and Don’t wait check out this free eBook on our website or download it and purchase it from Amazon Subscribe to our YouTube channel check out our upcoming additional videos on how to get out of debt Don’t wait start now check out the book How to Get Out of Debt Today How To Get Out of Debt. Amazon https://parentsfin.wixsite.com/website/focused-ebooks It’s easier than you think to start your road to a debt free life take the first step check out the book How to Get Out of Debt

Do You Know the Best Ways to Raise Money-Smart Kids? Check out Raising Financially independent children free until December 2 as a kindle eBook on amazon Teaching children the value of work and money from an early age is essential. In today's rapidly changing economic landscape, it's crucial to equip our children for future success. This post explores the importance of financial wisdom and offers practical strategies to prepare kids for a stable and successful financial future .Check out Raising Financially Independent Children on Amazon or explore our website at htps://parentsfin.wixsite.com/website/books Subscribe to our channel Toics covered are Developer Responsibilities One of the first lessons children learn about money is the importance of responsibility Fosters Independence Financial literacy provides a solid foundation for independence When children learn how to manage their own money, they become empowered to make confident decisions Builds Financial Literacy Teaching children about money management, saving, and investing is crucial for their long-term financial health. Statistics show that kids who receive financial education are less likely to experience issues with debt as adults. A study revealed that students who took financial literacy courses were 14% more likely to save money consistently in their twenties. or comparing price per unit. The more relevant and practical the examples, the more effective the lessons will be. Encourages Goal Setting Understanding the link between effort and reward encourages children to set and pursue their goals. When kids see that their hard work can lead to tangible results—a bike after saving $60, for instance—they learn the value of patience and delayed gratification. Boosts Confidence and Self-Esteem Managing their own finances can significantly enhance children's confidence and self-esteem. As they achieve small financial milestones, whether it's saving for a cherished item or successfully budgeting their allowance, they cultivate a sense of accomplishment. This Practical Ways to Teach Kids About Money The book Raising Financial Independent Children is filled with practical examples of how to Teach children about money Future-Proofing Kids Financially When children learn how to manage their own money, they become empowered to make confident decisions Download your free copy of Raising Financially Independent Children now from on Amazon ends December 2nd Please go back on Amazon and write us a review after reading the book

Roth IRA for Teens: The Smartest Way to Start Building Wealth Early Should a teen open a Roth IRA? A Roth IRA is one of the best ways to help your child start building a strong financial future from the moment they earn their very first paycheck — even if it’s just a part-time or summer job. A Roth IRA is a retirement account that grows tax-free. That means your teen can invest their money, grow it for decades, and never pay taxes on the growth — and when they turn 59½, they can withdraw it completely tax-free. It’s an incredible way to supplement Social Security and whatever other savings they have later in life. And the earlier they start, the more powerful compounding becomes. Matching Their Contribution Parents can also help by matching their teen’s contribution, just like employers do for adults. A teen can contribute up to 100% of what they earn, up to a limit of $7,000 per year under current rules. Look at this Real Example: How $500 Turns into Thousands Let’s look at a simple example. • Your teen earns more than $500 each summer from ages 16 through 19. • They invest $500 per year into a Roth IRA, for four years. • Their Roth IRA is invested in the S&P 500. • Total contributed: $2,000. Now here’s where the magic happens: Using actual historical S&P 500 data, if the first $500 was invested in 1970, by age 55 it grew to $75,615, and by age 65 it grew to $269,680 — completely tax-free. Want to learn more about this subject I check out Financially Independent Teens available on Amazon. This book covers many topics to help a teen start a path to financial independence. Topics include opening banks accounts, starting to build credit early, basics of investing, Life after high school what should I do college vocational school Get a job now. Subscribe to our channel to learn more on all subjects around financial independence Financially Independent teens is available on Amazon Check out our amazon page for descriptions of our books https://tinyurl.com/r8xy3ve Check out all our books including, Financially Independent Teens on amazon ahttps://tinyurl.com/r8xy3ve check out our website for more information at https://parentsfin.wixsite.com/website/books Check out our amazon page for descriptions of our books https://tinyurl.com/r8xy3ve SUBSCRIBE NOW https://www.youtube.com/@financialliteracy-t8c

Are you struggling to pay off your debt Getting tired of seeing your money go to credit card interest? Below are Links To a book that will help you start your journey to financial freedom to our website and amazon How To Get Out of Debt. Amazon https://parentsfin.wixsite.com/website/focused-ebooks Check out How to get Out of Debt available on Amazon for $2.99 kindle book or download or free as an EPub on our website The book covers a variety of topics including but not limited to: Manage your debt, especially credit card debt Develop a plan that works for you Create or update your budget Reduce spending where it is not highly valued Pare down redundant subscriptions Find creative solutions for couples Consider augmenting income Negotiate with lenders It’s easier than you think to start your road to a debt free life take the first step, check out the book How to Get Out of Debt How to Get Out of Debt is part of Financial Independence for Children, Teens, and Adults, a 10book series written to empower financial literacy and facilitate financial solvency among youth and adults alike. Each book is focused on a specific population with stories and examples tailored for connection to the audience, and ease in understanding and Don’t wait check out this free eBook on our website or download it and purchase it from Amazon Subscribe to our YouTube channel check out our upcoming additional videos on how to get out of debt Don’t wait start now check out the book How to Get Out of Debt Today How To Get Out of Debt. Amazon https://parentsfin.wixsite.com/website/focused-ebooks It’s easier than you think to start your road to a debt free life take the first step check out the book How to Get Out of Debt

We all think we’re invincible. Yet there are times in life when we may need help — whether it’s temporary (due to a fall or short-term medical condition) or permanent. Having a plan in place and discussing it with your family will make things easier for everyone when something happens. Get clear about your goals, expectations, and expenses. Any long-term plan should begin with your vision for your future. Ask yourself: • What do I want for myself? • What do I consider to be the ideal outcome? This vision can serve as your north star as you develop your plan. It’s also important to be realistic about what you might expect in the future. Look at your family’s health and medical history. While the experiences of our parents and grandparents aren’t always the same as ours, they can give perspective on challenges you may face. Talk to your healthcare providers to understand your health and what you can do to maintain or improve it over time. Be honest about how much help you may need and where it may come from. How much will you need—or be able—to rely on your children or grandchildren for help? Not sure if you will need assistance in the future, Check out this chart, See what percentage of people need help at different ages. (Include your “Percent of People That Need Help by Age” Assess Your Living Situation • Do you plan to stay in your current home long-term? • Is your home accessible if you need a wheelchair? If not, what changes will you need to make? • Are you considering moving into assisted living? Create a list of features you want and research a few facilities that may interest you. • Are you planning to live with a friend or relative? Discuss this thoroughly with them and check in every year, as their situation may also change. Get Your Documents in Order Documentation is key to ensuring your wishes are carried out appropriately and to help your family if a crisis arises. You should have the following estate planning documents in place (at a minimum): • Financial Power of Attorney • Healthcare Proxy / Power of Attorney • Will or Trust Talk to Your Family All this planning is wasted if you haven’t had an open discussion with your family. Those close to you should: • Know your wishes • Have access to your documentation • Be prepared to carry them out if you become ill or incapacitated Bottom Line As you age, make sure you have a plan that addresses your needs in case you can’t handle your own affairs. You may want to consult with a financial professional or attorney to help determine the best options. For more information, check out: Retirement Guidebook: From Planning Your Retirement to Enjoying It by Nancy Burgandine & Irene Van Dyk available in amazon Check out our website for more information and links to buy the “Retirement Guidebook” https://parentsfin.wixsite.com/website/books AVALABLE ON AMAZON https://tinyurl.com/r8xy3ve SUBSCRIBE NOW comments, questions, and likes are appreciated!

Money can bring couples closer — or drive them apart. The truth is, financial stress rarely comes from the numbers themselves; it comes from different perspectives about how money should be used. One partner may want to save every extra dollar, while the other believes money should be enjoyed now through travel, hobbies, or experiences. If you and your partner have different money habits or financial goals, the key is communication and compromise. ✅ Talk openly about what money means to each of you — not just the numbers. ✅ Set shared goals that reflect both of your priorities. The secret isn’t to win the argument — it’s to understand each other’s “why.” When couples take time to talk about what money means to them — safety, freedom, love, success — they can start to build a shared vision that respects both viewpoints. 💡 Example: Sarah loves to save for the future, while Mike enjoys spending on vacations. After several arguments, they agreed to automatically save 15% of their income each month, then set aside another 5% into a “fun fund” for travel and date nights. Both feel heard, and the stress is gone — replaced with teamwork. Compromise doesn’t mean giving up what matters to you; it means designing a plan that supports both partners’ values. Start with small agreements, review your progress regularly, and celebrate the wins — together. Strong relationships are built not just on love, but on communication, trust, and shared goals. 💞 📘 Learn more ways to strengthen your financial partnership in Financial Essentials for Couples — available on Amazon Check out all our books on amazon ahttps://tinyurl.com/r8xy3ve or via our website https://parentsfin.wixsite.com/website/books Learn more by reading our blogs or following our or YouTube channel Join our Reddit channel https://www.reddit.com/r//FinancialSmarts