Turn an outing with your child into an education about money, budgeting, and spending even at a young age! Check out all our books on amazon https://tinyurl.com/r8xy3ve or via our website https://parentsfin.wixsite.com/website/books SUBSCRIBE NOW https://www.youtube.com/@financialliteracy-t8c This video covers planning a trip to the zoo for kids 5 -8 where we will describe how you can make this outing fun and stress-free. If you discuss the options that your child will have during the trip in advance and make a plan, this will greatly reduce stress during the trip. You are also teaching your child the very basics of a budget and how to plan ahead. We discuss how to involve your young children in making decisions before you go. This develops their abilities to make trade-offs and leads to less wasted time and difficult choices during the outing. You will be teaching basic budgeting and how to make choices within a set of parameters in advance. Do you want to take a sandwich from home and go on a ride or do you want to buy food during the outing and not ride on the bus? Check out our books on financial independence at https://parentsfin.wixsite.com/website/books or our books on Amazon https://tinyurl.com/r8xy3ve Raising Financially Independent Children Financially Independent Teens

Check out our books including Financially Independent Teens on Amazon: https://tinyurl.com/r8xy3ve or visit our website for more information at: https://parentsfin.wixsite.com/website/books SUBSCRIBE NOW https://www.youtube.com/@financialliteracy-t8c Financial literacy is a crucial life skill—especially for college-bound teens navigating independence for the first time. Most high schools don’t teach personal finance, so it’s up to parents to ensure their teens are money smart and ready for real-world decisions. College is more than academics—it's a training ground for life. Your teen will face daily choices that impact their future success: • Budgeting their monthly expenses • Paying off credit cards in full • Prioritizing bills before optional spending • Maintaining a strong credit score—often required to rent an apartment Help your teen build good financial habits now, while mistakes are still manageable. Many students are financially supported by parents, scholarships, or loans. This is a golden opportunity to teach money management in a relatively safe setting. Teach Your Teen to Be Money Smart! Make sure they know how to: • Comparison shop for best value • Evaluate spending alternatives • Budget, save, AND invest • Build and maintain a good credit score • Begin an emergency fund • Open a Roth IRA with their first paycheck Smart spending and savings habits now lead to confidence, opportunity, and financial independence later. Your teen should learn how to: • Set realistic financial goals • Make trade-offs and stick to a budget • Understand the total cost of college or vocational school • Invest for the long term—even retirement! Financially Independent Teens can help you guide your child toward a successful future. 📘 Learn More: Check out our book "Financially Independent Teens" on Amazon or visit our site at https://parentsfin.wixsite.com/website/books 📺 Subscribe to our channel for more practical financial education for families! 👍 Like, share, and comment—how are you preparing your teen? College-bound students have many choices to make, including how they will use their college experience in preparing themselves to live independently after college. College is an opportunity for your child to hone the skills they need to live independently such as budgeting, paying off the credit card monthly, and of course, the importance of paying bills before optional spending. Since often students are supported by their parents or student financial aid or loans, these are opportunities to become educated in how to manage money in a relatively safe environment. In addition, living in an apartment typically requires showing a good credit score so that is a bonus that your student can earn. • Most schools leave financial education to the parents. • Teach your teen to be money smart! Make sure they: o Know how to comparison shop. o Evaluate alternatives for best value. o Budget, save AND invest. o Get a good credit score while young and then MAINTAIN it! • Begin them on a path toward an emergency fund. • Start their retirement accounts when they get their first job. Does your teen have the money skills to be ready for life after high school? Good spending and savings habits learned early set your teen up for a secure future! Teach your teen to set goals, make trade-offs, budget, and then take actions – including how to invest their money for future gains. Start your teen on the path to excellent credit, so important in buying a car or renting an apartment. Financially Independent Teens can help you! Raising money smart teens has many benefits beyond money and pays dividends in peace of mind. Your teen can learn how to compare the TOTAL cost of college or vocational school. They gain the confidence of knowing how to save and invest. They can even begin building their retirement fund by opening a Roth IRA when they get their first job. This gives them confidence they can manage their future financial independence. Check out all our books including Financially Independent Teens on Amazon: https://tinyurl.com/r8xy3ve or visit our website for more information at: https://parentsfin.wixsite.com/website/books SUBSCRIBE NOW https://www.youtube.com/@financialliteracy-t8c

When you think of retirement, do you feel nervous or excited? Check out our website for more information and links to buy the “Retirement Guidebook”: https://parentsfin.wixsite.com/website/books or visit our amazon page for descriptions of our books: https://tinyurl.com/r8xy3ve SUBSCRIBE NOW Retirement Guidebook: From Planning Your Retirement to Enjoying It is a great resource to help you prepare, no matter your age or stage. Whether you're: • Just starting your journey at 40, • Nearing retirement at 60, or • Realizing you’ve got more years to enjoy at 75 . Do you understand how your choices about Social Security and Medicare will shape your future? Do you know the tax and healthcare impacts of choosing a Roth versus a Traditional retirement account? This guide simplifies complex topics like investing, Social Security, Medicare, and taxes into practical, relatable information and suggestions with real-life examples. 🎯 Don’t leave your future to chance. Start learning today for a more confident tomorrow. 🛍️ Explore our full collection of books on retirement and financial independence: Retirement Guidebook- From Planning Your Retirement to Enjoying It Budgeting for Women by Women FREE on our website Financial Essentials for Women by Women Investing for Financial Independence FREE on our website Raising Financially Independent Children Financially Independent Teens Financial Essentials for Couples Scams, Fraud, and Protecting Your Money FREE on our website Check out our website for more information and links to buy the “Retirement Guidebook” https://parentsfin.wixsite.com/website/books Check out our amazon page for descriptions of our books https://tinyurl.com/r8xy3ve SUBSCRIBE NOW

If you’ve received their latest email, you know how serious this threat is. That’s why we created Scams, Fraud, and Protecting Your Money — a practical, plain-English guide to help you avoid getting scammed, hacked, or financially compromised. You’ll learn how to lock down your accounts, protect your identity, and stay ahead of fraudsters. 📘 Get it FREE on our website: Download the free eBook 📗 Prefer print or Kindle? Grab it on Amazon AS A PRINT OR Kindle https://tinyurl.com/r8xy3ve Scams, Fraud, and Protecting Your Money shows you exactly how to stay one step ahead: • Know your rights: Many states don’t require you to share your Social Security Number or birth date with health-care providers. Check your state’s rules before you hand over sensitive data. • Lock down every account: o Strong, unique passwords o Multi-factor authentication o Real-time transaction alerts o Ongoing credit monitoring • Learn from real stories: Protect yourself from scams From Amazon.com Date Mon 7/7/2025 12:51 AM We've recently noticed an increase in customers reporting fake emails about Amazon Prime membership subscriptions. We want to help you stay protected by sharing important information about these scams. What's happening: Scammers are sending fake emails claiming your Amazon Prime subscription will automatically renew at an unexpected price. The scammers might include personal information in the emails, obtained from other sources, in an attempt to appear legitimate. These emails may also include a "cancel subscription" button leading to a fake Amazon login page. Do not click on any links in these messages - scammers use fake websites to steal your Amazon login credentials and banking information. What you should do: Scams can typically be ignored with no action. However, here are some suggested actions that may be applicable: If you want to verify your Prime membership, open your Amazon mobile app or go directly to Amazon.com. Select "Prime" from the main menu to view your membership status, renewal dates, and plan details. If you clicked on any suspicious links, monitor your credit/debit card statements for unfamiliar charges and contact your bank immediately about any unauthorized transactions. Report suspicious communications to amazon.com/reportascam. Best practices to protect against scams: Always access Amazon directly through our mobile app or by typing amazon.com in your browser. To find out if a message is really from Amazon, visit the Message Center under “Your Account.” Legitimate messages from Amazon will appear there. Enable two-step verification for your Amazon account through the Login & Security settings or visit amazon.com/2SV. Learn more about how to safeguard your data and protect your system from fraudulent activities like phishing and spoofing. ©2025 Amazon.com, Inc. or its affiliates. Amazon and all related marks are trademarks of Amazon.com, Inc. or its affiliates, Amazon.com, Inc. 410 Terry Avenue N., Seattle, WA 98109. Nothing in this email or in the referenced resources is intended to be legal advice. Visit amazon.com/scams to learn how to identify and report scams, access resources for scam prevention, and understand Amazon's efforts to protect customers

Scams are rising fast—and even Amazon is warning customers about them. If you’ve received their latest email, you know how serious this threat is. That’s why we created Scams, Fraud, and Protecting Your Money — a practical, plain-English guide to help you avoid getting scammed, hacked, or financially compromised. You’ll learn how to lock down your accounts, protect your identity, and stay ahead of fraudsters. 📘 Get it FREE on our website: Download the free eBook 📗 Prefer print or Kindle? Grab it on Amazon AS A PRINT OR Kindle https://tinyurl.com/r8xy3ve Scams, Fraud, and Protecting Your Money shows you exactly how to stay one step ahead: • Know your rights: Many states don’t require you to share your Social Security Number or birth date with health-care providers. Check your state’s rules before you hand over sensitive data. • Lock down every account: o Strong, unique passwords o Multi-factor authentication o Real-time transaction alerts o Ongoing credit monitoring • Learn from real stories: Protect yourself from scams From Amazon.com Protect yourself from scams From Amazon.com Date Mon 7/7/2025 12:51 AM We've recently noticed an increase in customers reporting fake emails about Amazon Prime membership subscriptions. We want to help you stay protected by sharing important information about these scams. What's happening: Scammers are sending fake emails claiming your Amazon Prime subscription will automatically renew at an unexpected price. The scammers might include personal information in the emails, obtained from other sources, in an attempt to appear legitimate. These emails may also include a "cancel subscription" button leading to a fake Amazon login page. Do not click on any links in these messages - scammers use fake websites to steal your Amazon login credentials and banking information. What you should do: Scams can typically be ignored with no action. However, here are some suggested actions that may be applicable: If you want to verify your Prime membership, open your Amazon mobile app or go directly to Amazon.com. Select "Prime" from the main menu to view your membership status, renewal dates, and plan details. If you clicked on any suspicious links, monitor your credit/debit card statements for unfamiliar charges and contact your bank immediately about any unauthorized transactions. Report suspicious communications to amazon.com/reportascam. Best practices to protect against scams: Always access Amazon directly through our mobile app or by typing amazon.com in your browser. To find out if a message is really from Amazon, visit the Message Center under “Your Account.” Legitimate messages from Amazon will appear there. Enable two-step verification for your Amazon account through the Login & Security settings or visit amazon.com/2SV. Learn more about how to safeguard your data and protect your system from fraudulent activities like phishing and spoofing. ©2025 Amazon.com, Inc. or its affiliates. Amazon and all related marks are trademarks of Amazon.com, Inc. or its affiliates, Amazon.com, Inc. 410 Terry Avenue N., Seattle, WA 98109. Nothing in this email or in the referenced resources is intended to be legal advice. Visit amazon.com/scams to learn how to identify and report scams, access resources for scam prevention, and understand Amazon's efforts to protect customers from fraudulent activities. #ScamAwareness, #OnlineSafety, #FraudPrevention, #IdentityTheft, #CyberSecurity, #StaySafeOnline, #ProtectYourMoney, #FightFraud, #StopScammers, #FinancialSafety, #OnlineScams, #ScamAlert, #FreeEbook, #FraudEducation, #MoneyMatters, #DigitalSecurity, #OnlineFraud, #ElderFraud, #ConsumerProtection, #InternetSafety, #ScamPrevention, #FinancialTips, #FreeBookAlert, #AmazonScam, #LearnAndProtect, #HackProof, #SecurityTips, #DataProtection, #ScamProof, #SafeOnline ©2025 Amazon.com, Inc. or its affiliates. Amazon and all related marks are trademarks of Amazon.com, Inc. or its affiliates, Amazon.com, Inc. 410 Terry Avenue N., Seattle, WA 98109. Nothing in this email or in the referenced resources is intended to be legal advice. Visit amazon.com/scams to learn how to identify and report scams, access resources for scam prevention, and understand Amazon's efforts to protect customers from fraudulent activities. #ScamAwareness, #OnlineSafety, #FraudPrevention, #IdentityTheft, #CyberSecurity, #StaySafeOnline, #ProtectYourMoney, #FightFraud, #StopScammers, #FinancialSafety, #OnlineScams, #ScamAlert, #FreeEbook, #FraudEducation, #MoneyMatters, #DigitalSecurity, #OnlineFraud, #ElderFraud, #ConsumerProtection, #InternetSafety, #ScamPrevention, #FinancialTips, #FreeBookAlert, #AmazonScam, #LearnAndProtect, #HackProof, #SecurityTips, #DataProtection, #ScamProof, #SafeOnline

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Educate yourself! Watch the video and then check out our website for more information and links to buy the “Retirement Guidebook” 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 Choosing the right advisor is one of the most important financial decisions you'll ever make. It affects your money, your life goals, your taxes, and your legacy. Yet many people don’t ask the questions that really matter. Here are 7 critical questions to help you evaluate whether your advisor truly understands you and supports your long-term goals: Do they understand YOU? Your values, your goals, your fears, your vision for the future — your advisor should start there. Is your whole financial picture considered? Investments matter, but what about taxes, insurance, estate planning, and emergencies? Are you using tax-smart strategies? Tax-loss harvesting, capital gains deferral, and other techniques can help you keep more of what you earn — year after year. Do you understand your investment risk? Market conditions shift. Does your advisor explain what might happen in the worst-case scenario? Are you getting value for what you pay? From bond markups to advisory fees — do you know what you’re paying and why? Do you have access to the right tools and expertise? Advisors should open doors to global insights, expert analysis, and personalized strategies. Can YOU make informed decisions? The best advisors empower you with tools and knowledge so you understand your money, not just delegate it. 📚 Want to become a smarter investor? Start with the right questions — and the right resources. We’ve created a library of books to help individuals and families feel more confident and prepared, including: Retirement Guidebook – From Planning Your Retirement to Enjoying It Investing for Financial Independence (Free!) Budgeting for Women by Women (Free!) Financial Essentials for Couples Scams, Fraud, and Protecting Your Money (Free!) ➡️ Browse them here: https://parentsfin.wixsite.com/website/books

Living in Retirement: Planning and Enjoying the Next Chapter Check out our website for more information and links to buy the “Retirement Guidebook” https://parentsfin.wixsite.com/website/books or go to Amazon: https://www.amazon.com/gp/product/B0DKBCFV1Z?ref_=dbs_m_mng_rwt_calw_tkin_0&storeType=ebooks &qid=1751401611&sr=8-1 SUBSCRIBE NOW: https://www.youtube.com/@financialliteracy-t8c Retirement is more than just the end of a career—it’s the beginning of a new journey filled with opportunities, choices, and important financial decisions. Are you wondering how much you can safely withdraw from your retirement accounts, or how to make your savings last throughout your golden years? In this video, we cover: • Smart budgeting tips for retirees • Income strategies to maximize your savings • Planning for vacations, hobbies, and healthcare • The importance of choosing the right supplemental health and drug plans • How to align your investments with your lifestyle and risk tolerance • The value of working with a financial advisor • The impact of inflation on retirement income and how to stay ahead • Downsizing and lifestyle adjustments to extend your financial runway • How to avoid common retirement pitfalls and financial missteps • Estate planning essentials to protect your legacy • Navigating Social Security benefits and Medicare enrollment effectively Whether you're newly retired or planning for the future, this guide is packed with insights to help you make confident, informed choices. 📘 Get the complete roadmap in our book Retirement Guidebook: From Planning Your Retirement to Enjoying It by Nancy Burgandine and Irene Van Dyk — available now on Amazon.

Gain confidence and clarity in managing money. Welcome to our financial education series tailored specifically for women at all stages of life. Check out our website for more information and links to buy Financial Essentials for Women by Women: https://parentsfin.wixsite.com/website/books or visit our Amazon page: https://tinyurl.com/r8xy3ve SUBSCRIBE NOW https://www.youtube.com/@financialliteracy-t8c This video introduces you to Financial Essentials for Women by Women, a book designed to help women gain confidence and clarity in managing their money, no matter where they are on their financial journey. For too long, women have had limited exposure to personal finance, often left out of conversations around budgeting, investing, retirement planning, and wealth-building. That ends now. In this video and book, you’ll discover: • Real stories of women who overcame financial fear and built strong financial habits • Actionable advice on budgeting, credit, and goal-setting • Guidance on investing and planning for retirement from a woman’s perspective • Ways to collaborate financially in a partnership • Strategies for solo decision-making and preparing for life’s curve balls Whether you’re managing finances for the first time, planning for your family's future, or trying to recover from a financial setback, this resource is here to support you. We believe that financial education should be accessible, relatable, and empowering—and that’s what this book delivers. _ 💬 Why it matters: Most women will, at some point, have to manage money on their own—due to divorce, illness, or the loss of a partner. Learning how to handle your finances before a crisis hits is one of the greatest gifts you can give yourself and your family. You don’t have to be a finance expert to make good decisions. You just need the right tools, support, and a willingness to learn. Budgeting for Women by Women FREE on our website. https://parentsfin.wixsite.com/website/focused-ebooks