FINANCIAL CRISES
challenges facing Americans today
LACK INCOME
78% of American's live paycheck to paycheck and of those that are working 85% hate their job.
IN DEBT
80% of households in America have credit card debt. Totaling over $1.13B in credit card debt in 2023.
CAN'T SAVE
49% of Americans can’t cover a $400 emergency.
LITTLE RETIREMENT
51% of American adults have little to nothing saved for retirement.
NO
INSURANCE
4 out of 10 households are uninsured. Approximately 158 million people are battling with a chronic disease.
LITERACY PROBLEM
Only 20 of the 50 states require a stand-alone course in personal finance to graduate from high school, as of 2020.
- https://www.forbes.com/sites/zackfriedman/2019/01/11/live-paycheck-to-paycheck-government-shutdown/#1150a024f10b
- https://www.debt.org/faqs/americans-in-debt/demographics/
- https://www.statista.com/chart/20323/americans-lack-savings/
- https://www.thebalance.com/retirement-crisis-stats-causes-effect-3306215
- https://www.insure.com/life-insurance/life-insurance-underinsured.html
- https://www.ngpf.org/blog/advocacy/how-many-states-require-students-to-take-a-personal-finance-course-before-graduating-from-high-school-is-it-6-or-is-it-21/
- https://www.creditcards.com/credit-card-news/credit-card-debt-statistics-1276/
PROBLEMS
SOLUTIONS
FINANCIAL CONCEPTS
WHAT EVERYONE SHOULD KNOW ABOUT MONEY
ACCUMULATION STAGE
DOES YOUR MONEY GROWTH FIT YOUR NEEDS?
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This is a hypothetical scenario for illustration purposes only and does not present an actual investment for any specific product or service. There is no assurance that these results can or will be achieved.
All figures are for illustrative purposes only and do not reflect an actual investment in any product, nor do they reflect the performance risks, expenses or charges associated with any actual investment. Past performance is not an indication of future performance. Actual results may vary substantially from the figures in the example. All rates of return are hypothetical and are not a guarantee of future performance of any asset, including insurance or other financial products. Higher rates of return have been associated with higher volatility.
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With an alarming lack of education about financial fundamentals, people need the tools and guidance to help them make informed choices to meet today’s challenges. There’s no doubt that families of all incomes can benefit from preparing for the expected and the unexpected.
Increase Cashflow
Debt Management
Proper Protection
Emergency Fund
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HOW WE DO IT
Evaluate Financial Situation
- Debt
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- Savings
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Redirect Income & Expenses
- Meet Financial Goals
- Proper Protection
- Retirement Savings
- College Funds
- Emergency Funds
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