{"id":6485,"date":"2021-03-02T15:31:54","date_gmt":"2021-03-02T15:31:54","guid":{"rendered":"http:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/?page_id=6485"},"modified":"2023-04-28T16:12:16","modified_gmt":"2023-04-28T16:12:16","slug":"financial-fitness-week-4-invest-in-your-future","status":"publish","type":"page","link":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/financial-fitness-week-4-invest-in-your-future\/","title":{"rendered":"Financial Fitness Week 4 Invest In Your Future"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.4.3&#8243; width=&#8221;100%&#8221;][et_pb_row _builder_version=&#8221;4.4.3&#8243;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_image _builder_version=&#8221;4.4.3&#8243;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h3 style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" width=\"573\" height=\"287\" src=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2023\/03\/FFC-Tittle-Week-4-2023-scaled.jpg\" alt=\"\" class=\"size-medium alignnone\" \/><br \/> <strong><\/strong><\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h4 style=\"text-align: center;\"><strong>Education Goals<\/strong><\/h4>\n<div>\n<p><span 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\"><\/span><\/p>\n<ul>\n<li>\n<h4>When to Retire?<\/h4>\n<\/li>\n<li>\n<h4>How Much Money do You Need to Retire?<\/h4>\n<\/li>\n<li>\n<h4>Retirement Plans<\/h4>\n<\/li>\n<li>\n<h4>College\/Trade School<\/h4>\n<\/li>\n<li>\n<h4>Keep Track Of It<\/h4>\n<\/li>\n<\/ul>\n<\/div>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h3 style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2021\/02\/retire-300x65.png\" width=\"300\" height=\"65\" alt=\"\" class=\"wp-image-7201 alignnone size-medium\" style=\"display: block; margin-left: auto; margin-right: auto;\" \/><br \/> <strong><\/strong><\/h3>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<div style=\"position: relative; width: 100%; height: 0; padding-top: 56.2500%;\n padding-bottom: 0; box-shadow: 0 2px 8px 0 rgba(63,69,81,0.16); margin-top: 1.6em; margin-bottom: 0.9em; overflow: hidden;\n border-radius: 8px; will-change: transform;\"><br \/>\n  <iframe loading=\"lazy\" style=\"position: absolute; width: 100%; height: 100%; top: 0; left: 0; border: none; padding: 0;margin: 0;\"\n    src=\"https:&#x2F;&#x2F;www.canva.com&#x2F;design&#x2F;DAFciye-1nk&#x2F;watch?embed\" allowfullscreen=\"allowfullscreen\" allow=\"fullscreen\"><br \/>\n  <\/iframe>\n<\/div>\n<p><a href=\"https:&#x2F;&#x2F;www.canva.com&#x2F;design&#x2F;DAFciye-1nk&#x2F;watch?utm_content=DAFciye-1nk&amp;utm_campaign=designshare&amp;utm_medium=embeds&amp;utm_source=link\" target=\"_blank\" rel=\"noopener noreferrer\">Week 4.1: Education Goals<\/a> by Hellen Lovato[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h4 style=\"text-align: center;\"><strong>When to Retire?<\/strong><\/h4>\n<h4>When can you retire?<\/h4>\n<h4><span class=\"S1PPyQ\">Technically<\/span> you can retire <span>when you want to. Whether you have enough money saved to replace the income you receive from working is another issue.<\/span><\/h4>\n<h4><span><span class=\"_2GMChG _3-to_p\">What is retirement planing?<\/span><\/span><\/h4>\n<h4>Retirement planning is the process you put in place to maintain your finances after you leave the workforce.<\/h4>\n<h4><span><span class=\"_2GMChG _3-to_p\">When should you start retirement planning? <\/span><\/span><\/h4>\n<h4><span><span class=\"_2GMChG _3-to_p\">As early as possible. The earlier you start planning, the more time your money has to grow.\u00a0<\/span><\/span><span><span class=\"_2GMChG _3-to_p\">Every dollar you can save now will be much appreciated later.<\/span><\/span><\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<div style=\"position: relative; width: 100%; height: 0; padding-top: 56.2500%;\n padding-bottom: 0; box-shadow: 0 2px 8px 0 rgba(63,69,81,0.16); margin-top: 1.6em; margin-bottom: 0.9em; overflow: hidden;\n border-radius: 8px; will-change: transform;\"><br \/>\n  <iframe loading=\"lazy\" style=\"position: absolute; width: 100%; height: 100%; top: 0; left: 0; border: none; padding: 0;margin: 0;\"\n    src=\"https:&#x2F;&#x2F;www.canva.com&#x2F;design&#x2F;DAFcnRRHXtI&#x2F;watch?embed\" allowfullscreen=\"allowfullscreen\" allow=\"fullscreen\"><br \/>\n  <\/iframe>\n<\/div>\n<p><a href=\"https:&#x2F;&#x2F;www.canva.com&#x2F;design&#x2F;DAFcnRRHXtI&#x2F;watch?utm_content=DAFcnRRHXtI&amp;utm_campaign=designshare&amp;utm_medium=embeds&amp;utm_source=link\" target=\"_blank\" rel=\"noopener noreferrer\">Week 4.2: When to Retire?<\/a> by Hellen Lovato[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h4 style=\"text-align: center;\"><strong>How Much do You Need to Retire?<\/strong><\/h4>\n<h4><span><span class=\"_2GMChG _3-to_p\">One common rule of thumb is that you need 70% to 80% of pre-retirement income\u00a0 through savings and Social Security. <\/span><\/span><\/h4>\n<h4><span><span class=\"_2GMChG _3-to_p\">For example if you make $70,000 per year before retirement should expect to need $49,000 to $63,000 per year in retirement.<\/span><\/span><\/h4>\n<p>&nbsp;<\/p>\n<h4><span>In retirement, your savings will cover many of the same expenses that you had prior to retirement. These include, to name a few:\u00a0<\/span><\/h4>\n<table style=\"margin-left: auto; margin-right: auto;\">\n<tbody>\n<tr>\n<td>\n<ul>\n<li>\n<h4><span class=\"S1PPyQ\">Utilities<\/span><\/h4>\n<\/li>\n<li>\n<h4><span class=\"S1PPyQ\">Insurance<\/span><\/h4>\n<\/li>\n<li>\n<h4><span class=\"S1PPyQ\">Travel<\/span><\/h4>\n<\/li>\n<li>\n<h4><span class=\"S1PPyQ\">Gifts<\/span><\/h4>\n<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>\n<h4><span class=\"S1PPyQ\">Clothing<\/span><\/h4>\n<\/li>\n<li>\n<h4><span class=\"S1PPyQ\">Shelter<\/span><\/h4>\n<\/li>\n<li>\n<h4><span class=\"S1PPyQ\">Transportation<\/span><\/h4>\n<\/li>\n<li>\n<h4><span class=\"S1PPyQ\">Food<\/span><\/h4>\n<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<div style=\"position: relative; width: 100%; height: 0; padding-top: 56.2500%;\n padding-bottom: 0; box-shadow: 0 2px 8px 0 rgba(63,69,81,0.16); margin-top: 1.6em; margin-bottom: 0.9em; overflow: hidden;\n border-radius: 8px; will-change: transform;\"><br \/>\n  <iframe loading=\"lazy\" style=\"position: absolute; width: 100%; height: 100%; top: 0; left: 0; border: none; padding: 0;margin: 0;\"\n    src=\"https:&#x2F;&#x2F;www.canva.com&#x2F;design&#x2F;DAFcnZYUzyw&#x2F;watch?embed\" allowfullscreen=\"allowfullscreen\" allow=\"fullscreen\"><br \/>\n  <\/iframe>\n<\/div>\n<p><a href=\"https:&#x2F;&#x2F;www.canva.com&#x2F;design&#x2F;DAFcnZYUzyw&#x2F;watch?utm_content=DAFcnZYUzyw&amp;utm_campaign=designshare&amp;utm_medium=embeds&amp;utm_source=link\" target=\"_blank\" rel=\"noopener noreferrer\">Week 4.3: How Much do You Need to Retire?<\/a> by Hellen Lovato[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h4>Developing a detailed budget for your future expenses can help you determine your retirement income needs, investment and withdrawals strategies and tax planning to reduce taxable expenses and figure out how to reduce taxable income.<\/h4>\n<h4>Great thing you have a budget, look at it and subtract some of the costs you won&#8217;t incur as a retiree.<\/h4>\n<h4>Things such as: retirement contributions you&#8217;re currently making, some transportation costs, and hopefully debt and mortgage. If you plan to downsize and sell your home, you can also subtract some of your housing costs.<\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h4><span>You should also plan for increased medical care costs, as it&#8217;s common for seniors to aquire\u00a0<\/span>several thousand dollars annually<span>\u00a0in out-of-pocket expenditures.<\/span><\/h4>\n<p><span><\/span><\/p>\n<h4>Now that you&#8217;ve adjusted your budget, multiply\u00a0by 12 to get the income you\u2019ll need each year to meet those expenses in retirement.<\/h4>\n<h4>Do not neglect your Emergency Fund!<\/h4>\n<h4><span>Retired or not emrgencies can and will occur in life. Do not allow yourself to be in a situation where you have to max out a credit card or get a loan because of an emergency!<\/span><\/h4>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h4 style=\"text-align: center;\"><strong>Retirement Plans<\/strong><\/h4>\n<h4><strong>Social Security<\/strong><br \/> <span>How much you can get in your Social Security retirement benefit depends on your\u00a0<\/span>average indexed monthly earnings (AIME)<a href=\"https:\/\/www.investopedia.com\/terms\/a\/aime.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\"><\/a><span>\u00a0during your 35 highest-earning years so amounts will differ significantly among retirees.<\/span><span>\u00a0The average monthly benefit in 2023 is $1,825 or $21,900 annually.<\/span><\/h4>\n<h4><span>AIME\u00a0works by taking into consideration the 35 years that represent an individual&#8217;s top earnings. Those top-earning years are then indexed to factor in wage growth and averaged to produce a monthly figure.<\/span><\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<div style=\"position: relative; width: 100%; height: 0; padding-top: 56.2500%;\n padding-bottom: 0; box-shadow: 0 2px 8px 0 rgba(63,69,81,0.16); margin-top: 1.6em; margin-bottom: 0.9em; overflow: hidden;\n border-radius: 8px; will-change: transform;\"><br \/>\n  <iframe loading=\"lazy\" style=\"position: absolute; width: 100%; height: 100%; top: 0; left: 0; border: none; padding: 0;margin: 0;\"\n    src=\"https:&#x2F;&#x2F;www.canva.com&#x2F;design&#x2F;DAFdG2PUwqM&#x2F;watch?embed\" allowfullscreen=\"allowfullscreen\" allow=\"fullscreen\"><br \/>\n  <\/iframe>\n<\/div>\n<p><a href=\"https:&#x2F;&#x2F;www.canva.com&#x2F;design&#x2F;DAFdG2PUwqM&#x2F;watch?utm_content=DAFdG2PUwqM&amp;utm_campaign=designshare&amp;utm_medium=embeds&amp;utm_source=link\" target=\"_blank\" rel=\"noopener noreferrer\">Week 4.4: Retirement Plans<\/a> by Hellen Lovato[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243; hover_enabled=&#8221;0&#8243;]<\/p>\n<h4><strong>What is FRS?<\/strong><br \/> FRS stands for the Florida Retirement System. It is a system that provides a pension benefit to anyone employed in the State of Florida on a full time basis.<\/h4>\n<h4>The\u00a0FRS Pension Plan uses your income, years of service, and a 1.6% multiplayer to determine a monthly benefit in retirement.<\/h4>\n<h4>For example, Let&#8217;s say you were to earn an average highest five years of compensation of $50,000, and work for the FRS for 30 years. Your retirement benefit could be calculated like this:<\/h4>\n<h4 style=\"text-align: center;\"><strong>30 Years x 1.6% &#8211; 48% of $50,000 average income = $24,000 annual retirement benefit.<\/strong><\/h4>\n<h4><em>For members hired after July 1st 2011, your average final compensation will be based on your highest 8 years of compensation.<\/em><\/h4>\n<h4><strong>Free FRS Workbook<\/strong><br \/> <span style=\"color: #0000ff;\"><a href=\"https:\/\/www.floridaretirementresources.com\/free-frs-retirement-planning-workbook\" style=\"color: #0000ff;\">This workbook is to help you start putting together a plan for your retirement.<\/a><\/span><\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h4><strong>DROP<\/strong><br \/> DROP\u00a0stands for Deferred Retirement Option Program.\u00a0DROP\u00a0is a continuation of service for up to 5 years after a member enters the program. When entering\u00a0DROP, the member&#8217;s pension credits are stopped and calculated, and the monthly benefit is started. Instead of paying this benefit to the member directly, the funds are placed into the FRS trust fund where they accumulate tax deferred until the member retires from the\u00a0DROP\u00a0program where they are then paid to the member or can be rolled over.<\/h4>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.4.3&#8243; custom_margin=&#8221;-32px|auto||auto||&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h4><strong>457(b)<\/strong><\/h4>\n<h4><span>A 457(b) is offered to state and local government employees.<\/span><\/h4>\n<ul class=\"mntl-sc-block-comparisonlist__list\">\n<li>\n<h4>457(b) participants can double their contributions if they are within three years of normal retirement age.<\/h4>\n<\/li>\n<li>\n<h4>Catch-up contributions are allowed after age 50.<\/h4>\n<\/li>\n<li>\n<h4>Your 457(b) benefits become available when you no longer work for the employer providing the 457(b) plan.<\/h4>\n<\/li>\n<\/ul>\n<div class=\"mntl-sc-block-comparisonlist__wrapper\"><\/div>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h4><strong>403(b)<\/strong><\/h4>\n<h4><span>403(b) plans are defined-contribution plans that allow participants to save on a tax-deferred basis for retirement.<\/span><\/h4>\n<div class=\"mntl-sc-block-comparisonlist__wrapper\">\n<ul class=\"mntl-sc-block-comparisonlist__list\">\n<li>\n<h4>Earnings and returns in regular 403(b) plans are tax-deferred until they are withdrawn<\/h4>\n<\/li>\n<li>\n<h4>Plans that aren&#8217;t subject to ERISA requirements come with lower administrative costs<\/h4>\n<\/li>\n<li>\n<h4>Many 403(b) plans vest funds over a shorter period and some allow immediate vesting<\/h4>\n<\/li>\n<li>\n<h4>Employees with 15 or more years of service may be eligible for increased catch-up contributions<\/h4>\n<\/li>\n<\/ul>\n<\/div>\n<p><span><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.4.3&#8243; custom_padding=&#8221;0px|||||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243; custom_margin=&#8221;-22px|||||&#8221;]<\/p>\n<div>\n<p><span data-canva-clipboard=\"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\"><\/span><\/p>\n<h3 style=\"text-align: center;\"><strong>Consult with your advisor regarding these plans to determine the best option for you based on your goals.<\/strong><\/h3>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.4.3&#8243; custom_padding=&#8221;||0px|||&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h4><strong>College\/Trade School<\/strong><\/h4>\n<h4 style=\"text-align: left;\">Help your child decide if college is right for them.\u00a0<span style=\"color: #0000ff;\"><a href=\"https:\/\/www.businessinsider.com\/millennials-regret-student-loan-debt-2020-1\" style=\"color: #0000ff;\">As stated in this Business Insider article<\/a>;<\/span> a recent survey shows that 84% of millennials are saddled with some sort of regret over their student loan debt, many of them wishing they could hit the rewind button and do things differently.<\/h4>\n<h4>According to<span>\u00a0<a href=\"https:\/\/www.daveramsey.com\/blog\/is-college-even-worth-it\">Ramsey Solutions<\/a><\/span><span>\u00a0<\/span>your child should ask themselves these 8 questions:<\/h4>\n<h4>1. Do you know what career you want to pursue?<\/h4>\n<h4>2. Do you want to learn how to learn?<\/h4>\n<h4>3. Does the career you want require a four-year degree?<\/h4>\n<h4>4. Is it what you really want, independently of your parents\u2019 and family\u2019s wishes?<\/h4>\n<h4>5. Is there a lot of job opportunity in the field you want to study?<\/h4>\n<h4>6. Do you have money saved up to go to college?<\/h4>\n<h4>7. Are you getting decent grades?<\/h4>\n<h4>8. What will you do to make your college plan cost less (i.e., community college, trade school, living at home instead of on campus, etc.)?<\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<div style=\"position: relative; width: 100%; height: 0; padding-top: 56.2500%;\n padding-bottom: 0; box-shadow: 0 2px 8px 0 rgba(63,69,81,0.16); margin-top: 1.6em; margin-bottom: 0.9em; overflow: hidden;\n border-radius: 8px; will-change: transform;\"><br \/>\n  <iframe loading=\"lazy\" style=\"position: absolute; width: 100%; height: 100%; top: 0; left: 0; border: none; padding: 0;margin: 0;\"\n    src=\"https:&#x2F;&#x2F;www.canva.com&#x2F;design&#x2F;DAFciwqRXFI&#x2F;watch?embed\" allowfullscreen=\"allowfullscreen\" allow=\"fullscreen\"><br \/>\n  <\/iframe>\n<\/div>\n<p><a href=\"https:&#x2F;&#x2F;www.canva.com&#x2F;design&#x2F;DAFciwqRXFI&#x2F;watch?utm_content=DAFciwqRXFI&amp;utm_campaign=designshare&amp;utm_medium=embeds&amp;utm_source=link\" target=\"_blank\" rel=\"noopener noreferrer\">Week 4.5: College&#x2F;Trade School<\/a> by Hellen Lovato[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.4.3&#8243; custom_margin=&#8221;0px|auto||auto|false|false&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243; custom_margin=&#8221;||1px|||&#8221;]<\/p>\n<h4 class=\"_04xlpA direction-ltr align-center para-style-body\">College costs<span class=\"S1PPyQ\"> vary widely depending on where you<\/span><span class=\"S1PPyQ\">r child g<\/span><span class=\"S1PPyQ\">oes to school and whether they qualify for financial aid.<\/span><\/h4>\n<h4 class=\"_04xlpA direction-ltr align-center para-style-body\"><span class=\"S1PPyQ\">A <\/span>NerdWallet survey<span class=\"S1PPyQ\"> found that 1 in 5 parents of children under 18 (20%) haven\u2019t started saving for their children\u2019s college education, but want to.<\/span><span class=\"S1PPyQ white-space-prewrap\"> <\/span><\/h4>\n<h4 class=\"_04xlpA direction-ltr align-center para-style-body\"><span class=\"S1PPyQ\">Consider putting money into a college savings plan.<\/span><span class=\"S1PPyQ white-space-prewrap\"> <\/span><\/h4>\n<div>\n<h4><strong>Explore College Savings Plans<\/strong><\/h4>\n<ul>\n<li>\n<h4>529 plans<\/h4>\n<\/li>\n<li>\n<h4>Coverdell Education Savings Accounts (ESAs)<\/h4>\n<\/li>\n<li>\n<h4>Uniform Transfer to Minors Act (UTMA) accounts<\/h4>\n<\/li>\n<\/ul>\n<\/div>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h4><strong>529 Plans<\/strong><\/h4>\n<h4 class=\"_04xlpA direction-ltr align-start para-style-body\"><span class=\"S1PPyQ\">They are tax-advantaged accounts that can be used to pay educational expenses from kindergarten through graduate school.<\/span><\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243; custom_margin=&#8221;||-8px|||&#8221;]<\/p>\n<div>\n<h4><strong>Coverdell Education Savings Accounts (ESAs)<\/strong><\/h4>\n<h4>A Coverdell ESA is similar to a 529 plan<\/h4>\n<ul>\n<li>\n<h4>Contributions to account grow tax-free until distributed to pay qualified educational expenses<\/h4>\n<\/li>\n<li>\n<h4>Distributions are not taxed as long as the amount withdrawn is not more than the educational expenses paid at the eligible school<\/h4>\n<\/li>\n<li>\n<h4>Distributions can be used for elementary and secondary (grades K-12) qualified educational expenses at eligible schools and college costs<\/h4>\n<\/li>\n<\/ul>\n<\/div>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<p><span data-canva-clipboard=\"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\"><\/span><\/p>\n<h4><strong>Uniform Transfer to Minors Act (UTMA) accounts<\/strong><\/h4>\n<ul>\n<li>\n<h4>These accounts allows a minor to receive gifts without the aid of a guardian or trustee<\/h4>\n<\/li>\n<li>\n<h4>These accounts are convenient for children to save and invest without carrying the tax burden<\/h4>\n<\/li>\n<li>\n<h4>Once the minor reaches the age of majority, they have the ability to use the money however they see fit<\/h4>\n<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.4.3&#8243; custom_margin=&#8221;-30px|auto||auto||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<div>\n<p><span data-canva-clipboard=\"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\"><\/span><\/p>\n<h3 style=\"text-align: center;\"><strong>Consult with your advisor regarding 529 plans, Coverdell plans as well as custodial accounts to determine the best option for you based on your goals.<\/strong><\/h3>\n<\/div>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.4.3&#8243; module_alignment=&#8221;center&#8221;]<\/p>\n<h4><strong><span class=\"S1PPyQ\">Explore grants and scholarships<\/span><\/strong><\/h4>\n<h4 class=\"_04xlpA direction-ltr align-center para-style-body\"><span class=\"S1PPyQ\">Go to the U.S. Department of Education;<\/span><span class=\"S1PPyQ white-space-prewrap\">\u00a0\u00a0<\/span><span style=\"color: #0000ff;\"><strong><span class=\"S1PPyQ\">ed.gov<\/span><\/strong><\/span><\/h4>\n<h4 class=\"_04xlpA direction-ltr align-center para-style-body\"><span class=\"S1PPyQ\">For searchable listings:\u00a0<span style=\"color: #0000ff;\">\u00a0<\/span><\/span><span><strong><a href=\"http:\/\/www.scholarships.com\/\" target=\"_blank\" draggable=\"false\" rel=\"noopener noreferrer\" class=\"S1PPyQ\"><span style=\"color: #0000ff;\">Scholarships.com<\/span> &#8211;\u00a0<\/a><\/strong><\/span><span style=\"color: #0000ff;\"><strong><a href=\"http:\/\/www.fastweb.com\/\" target=\"_blank\" draggable=\"false\" rel=\"noopener noreferrer\" class=\"S1PPyQ\" style=\"color: #0000ff;\">Fastweb.com<\/a><\/strong><\/span><\/h4>\n<h4 class=\"_04xlpA direction-ltr align-center para-style-body\"><span class=\"S1PPyQ\">Or search<\/span><span class=\"S1PPyQ white-space-prewrap\">\u00a0:\u00a0<\/span><strong><span class=\"S1PPyQ\">\u201chow to find scholarships or grants&#8221;<\/span><\/strong><\/h4>\n<h3 style=\"text-align: center;\"><strong>Beware of sites that guarantee to find you a scholarship or grant for a fee.<\/strong><\/h3>\n<h4 class=\"_04xlpA direction-ltr align-center para-style-body\" style=\"text-align: center;\"><span class=\"S1PPyQ white-space-prewrap\"><\/span><\/h4>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h4 style=\"text-align: center;\"><strong>Keep Track Of It<\/strong><\/h4>\n<h4>If you are not tracking your actions and monitoring how those actions affect your goals then you can\u2019t adjust accordingly. By the time you notice things are not working you may have missed the opportunity to adjust to meet your timeline<strong><span>.<\/span><\/strong><\/h4>\n<h4><span class=\"S1PPyQ\">Don&#8217;t hesitate to use our helpful trackers below.<\/span><\/h4>\n<div>\n<h4 class=\"RFAdje _2_2LQ3 DFVVwC _1My7YX\" data-currency=\"Text\"><strong><span class=\"RFAdje _2_2LQ3 DFVVwC _3-to_p\">Don\u2019t compromise your retirement for college savings<br \/> <\/span><\/strong><span class=\"RFAdje _2_2LQ3 DFVVwC _3-to_p\">While it makes sense that parents want to keep student loan debt from burdening their children, retirement savings need to come first. Student loans are an option if your child needs them, but you can\u2019t take out loans to cover your expenses in retirement.<\/span><strong><span class=\"RFAdje _2_2LQ3 DFVVwC _3-to_p\"><br \/> <\/span><\/strong><\/h4>\n<h4><strong>Think Health Not Just Wealth<\/strong><\/h4>\n<h4>The best retirement plan involves not just your finances but also ways to stay mentally and physically healthy. With a strong mind, healthy body, and a well-laid plan, you can look forward to a happy retirement. By taking control, you\u2019ll have a better chance of creating your retirement instead of just allowing life to happen to you.<\/h4>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<div style=\"position: relative; width: 100%; height: 0; padding-top: 56.2500%;\n padding-bottom: 0; box-shadow: 0 2px 8px 0 rgba(63,69,81,0.16); margin-top: 1.6em; margin-bottom: 0.9em; overflow: hidden;\n border-radius: 8px; will-change: transform;\"><br \/>\n  <iframe loading=\"lazy\" style=\"position: absolute; width: 100%; height: 100%; top: 0; left: 0; border: none; padding: 0;margin: 0;\"\n    src=\"https:&#x2F;&#x2F;www.canva.com&#x2F;design&#x2F;DAFesvwl6A8&#x2F;watch?embed\" allowfullscreen=\"allowfullscreen\" allow=\"fullscreen\"><br \/>\n  <\/iframe>\n<\/div>\n<p><a href=\"https:&#x2F;&#x2F;www.canva.com&#x2F;design&#x2F;DAFesvwl6A8&#x2F;watch?utm_content=DAFesvwl6A8&amp;utm_campaign=designshare&amp;utm_medium=embeds&amp;utm_source=link\" target=\"_blank\" rel=\"noopener noreferrer\">Week 4.6: Keep Track of It<\/a> by Hellen Lovato[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.4.3&#8243;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h2 style=\"text-align: center;\"><strong>YOU GOT THIS!<\/strong><\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.4.3&#8243;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<p><span><\/span><\/p>\n<ol><\/ol>\n<h3 style=\"text-align: center;\"><strong><em>This information is meant for educational purposes only and is not intended as financial advice.<\/em><\/strong><\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/index.php\/financial-fitness\/&#8221; button_text=&#8221;Financial Fitness Challenge Home&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.4.3&#8243;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.4.3&#8243; custom_padding=&#8221;|||0px||&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/index.php\/financial-fitness-trackers\/\"><img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2023\/03\/Trackers.jpg\" alt=\"\" class=\"size-medium alignnone\" style=\"display: block; margin-left: auto; margin-right: auto;\" \/><\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<p><a href=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2023\/03\/Retirement-Tracker.pdf\"><img loading=\"lazy\" decoding=\"async\" width=\"1545\" height=\"2000\" src=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2023\/03\/Retirement-Tracker.jpg\" alt=\"\" class=\"size-medium alignnone\" style=\"display: block; margin-left: auto; margin-right: auto;\" \/><\/a><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<p><a href=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2023\/03\/College-Fund-Tracker.pdf\"><img loading=\"lazy\" decoding=\"async\" width=\"1545\" height=\"2000\" src=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2023\/03\/College-Fund-Tracker.jpg\" alt=\"\" class=\"size-medium alignnone\" style=\"display: block; margin-left: auto; margin-right: auto;\" \/><\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<p><a href=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2023\/03\/Match-Retirement-Tracker.pdf\"><img loading=\"lazy\" decoding=\"async\" width=\"1545\" height=\"2000\" src=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2023\/03\/Match-Retirement-Tracker.jpg\" alt=\"\" class=\"size-medium alignnone\" style=\"display: block; margin-left: auto; margin-right: auto;\" \/><\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.4.3&#8243;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<h2 style=\"text-align: center;\"><strong>Financial Wellness Resources &amp; Tools For Debt Elimination<\/strong><\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<p><a href=\"https:\/\/myfloridacfo.com\/YMM\/default.aspx\"><img loading=\"lazy\" decoding=\"async\" width=\"1650\" height=\"1275\" src=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2020\/07\/Your-Money-Matter-1.png\" alt=\"\" class=\"size-medium alignnone\" \/><\/a><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<p><a href=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/index.php\/5140-2\/\"><img loading=\"lazy\" decoding=\"async\" width=\"1650\" height=\"1275\" src=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2020\/07\/SmartDollar.png\" alt=\"\" class=\"size-medium alignnone\" style=\"display: block; margin-left: auto; margin-right: auto;\" \/><\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<p><a href=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/index.php\/financial-wellness-2\/\"><img loading=\"lazy\" decoding=\"async\" width=\"249\" height=\"249\" src=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2020\/08\/Financial-Wellness-Pyramid-4.png\" alt=\"\" class=\"size-medium alignnone\" style=\"display: block; margin-left: auto; margin-right: auto;\" \/><\/a><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<p><a href=\"https:\/\/www.pasco.k12.fl.us\/ebarm\/page\/retirement\/\"><img loading=\"lazy\" decoding=\"async\" width=\"1650\" height=\"1275\" src=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2020\/07\/Retirement-Services.png\" alt=\"\" class=\"size-medium alignnone\" \/><\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<p><a href=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/index.php\/financial-wellness\/\"><img loading=\"lazy\" decoding=\"async\" width=\"1650\" height=\"1275\" src=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2020\/07\/Debt-Management-Credit-Counseling-DMCC.png\" alt=\"\" class=\"size-medium alignnone\" style=\"display: block; margin-left: auto; margin-right: auto;\" \/><\/a><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.4.3&#8243;]<\/p>\n<p><a href=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2023\/02\/Authorized_List_of_Agents_2023-1.pdf\"><img loading=\"lazy\" decoding=\"async\" width=\"1650\" height=\"1275\" src=\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2020\/08\/Auth-Financial-Investors.png\" alt=\"\" class=\"size-medium alignnone\" style=\"display: block; margin-left: auto; margin-right: auto;\" \/><\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Education Goals When to Retire? How Much Money do You Need to Retire? Retirement Plans College\/Trade School Keep Track Of It Week 4.1: Education Goals by Hellen LovatoWhen to Retire? When can you retire? Technically you can retire when you want to. Whether you have enough money saved to replace the income you receive from [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-6485","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/pages\/6485","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/comments?post=6485"}],"version-history":[{"count":190,"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/pages\/6485\/revisions"}],"predecessor-version":[{"id":11419,"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/pages\/6485\/revisions\/11419"}],"wp:attachment":[{"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/media?parent=6485"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}