This is your life…
   …what will you make of it?
With every experience,
you alone are painting your own canvas,
thought by thought,
choice by choice.
       ~ Oprah Winfrey
Did you know…
Decisions you make
 now can influence
the rest of your life
  - in every way -
                        Social Life


  Money                   Work
                        Family
Who will you be…
 at 30 years old?
Where will you live?




…Country…   …City…   …Suburbs…
What will
                       home look
…Apartment Building…
                         like?



   …Townhouse…            …House…
Who will live
 with you?
…office cubicle…   …classroom…   …home…




  …factory…        …on board…




   …outside…
                   Where will you work?
What you do now will
       expand
       prevent
         limit
your options in the future.
Lifestyle Choices
Did you know…

           credit card debt
           can prevent you
           from getting a…

             House or
               Car
              Job
              Loan
           Scholarship
           Apartment
Credit Card Debt

The average American
has almost $6,000 in
credit card debt with an
18.3% interest rate.


 That means a purchase of $100
     actually costs $118.30.
When shopping with a credit card, it’s the
opposite of purchasing an item at a discount.



                          Buy Now!
If you have $1,000 in
                  credit card debt at an
                  18.3% interest rate…


                    You’ll spend
                    $183 on fees
                     each year.


What else could you buy with $183 ?
Is it necessary
  to buy now
        or
could you wait?

Are there other things worth waiting for?
Did you know…
                    50% of all
                marriages in
                   the United
                States end in
                      divorce.
In other words…
     If 10 couples get
           married,
     it’s likely that 5
            will be
         divorced.
With marriage,
   comes responsibility.
 Household Chores             Finances




                    Errands
Are you ready to share?



Time          Money

             Everything?
Home
Before you consider marriage…
Are you willing
to live with the

          Think
 same person
     for the
next 50 years?
      30
      40
When do you want to start a family?
Did you know…
What about children?
                    Howcost of
                    The many?
                     raising one
                   child from birth
                   to 18 years old
                     Doalmost
                      is you want
                      $114,000.
                       children?
 Not including costs for education.
                         entertainment.
                         sports.
Did you know…

The cost of child
care for 1 child is
 approximately
$4,000 per year.


For full time child care, prior to the start
of pre-school, you would spend $16,000
per child.
When will you be ready to make a commitment?


    To a spouse?

    To children?


     To a family?
Before you make commitments to
others, think about what you want to
          accomplish in life.
  “The first step to
getting the things you
        Who do you want to be?
want out of life is this:    Ben Stein
       What do you want to do?

 Decide what you to live?
   Where would you like want.”
This is your life…
  …what will you make of it?

Lifestyle choices sample

  • 1.
    This is yourlife… …what will you make of it?
  • 2.
    With every experience, youalone are painting your own canvas, thought by thought, choice by choice. ~ Oprah Winfrey
  • 3.
    Did you know… Decisionsyou make now can influence the rest of your life - in every way - Social Life Money Work Family
  • 4.
    Who will yoube… at 30 years old?
  • 5.
    Where will youlive? …Country… …City… …Suburbs…
  • 6.
    What will home look …Apartment Building… like? …Townhouse… …House…
  • 7.
    Who will live with you?
  • 8.
    …office cubicle… …classroom… …home… …factory… …on board… …outside… Where will you work?
  • 9.
    What you donow will expand prevent limit your options in the future.
  • 10.
  • 11.
    Did you know… credit card debt can prevent you from getting a… House or Car Job Loan Scholarship Apartment
  • 12.
    Credit Card Debt Theaverage American has almost $6,000 in credit card debt with an 18.3% interest rate. That means a purchase of $100 actually costs $118.30.
  • 13.
    When shopping witha credit card, it’s the opposite of purchasing an item at a discount. Buy Now!
  • 14.
    If you have$1,000 in credit card debt at an 18.3% interest rate… You’ll spend $183 on fees each year. What else could you buy with $183 ?
  • 15.
    Is it necessary to buy now or could you wait? Are there other things worth waiting for?
  • 16.
    Did you know… 50% of all marriages in the United States end in divorce.
  • 17.
    In other words… If 10 couples get married, it’s likely that 5 will be divorced.
  • 18.
    With marriage, comes responsibility. Household Chores Finances Errands
  • 19.
    Are you readyto share? Time Money Everything? Home
  • 20.
    Before you considermarriage… Are you willing to live with the Think same person for the next 50 years? 30 40
  • 21.
    When do youwant to start a family? Did you know… What about children? Howcost of The many? raising one child from birth to 18 years old Doalmost is you want $114,000. children? Not including costs for education. entertainment. sports.
  • 22.
    Did you know… Thecost of child care for 1 child is approximately $4,000 per year. For full time child care, prior to the start of pre-school, you would spend $16,000 per child.
  • 23.
    When will yoube ready to make a commitment? To a spouse? To children? To a family?
  • 24.
    Before you makecommitments to others, think about what you want to accomplish in life. “The first step to getting the things you Who do you want to be? want out of life is this: Ben Stein What do you want to do? Decide what you to live? Where would you like want.”
  • 25.
    This is yourlife… …what will you make of it?