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Presentación de ejemplo · Negocios

Financial literacy

Financial literacy
Lámina 1 de 10

Contenido de la presentación

  1. Lámina 1 The Personal Ledger

    Financial Literacy · Money skills everyone was never taught — budgeting, saving, credit, and the quiet power of compound interest. · Assets − Debts = Worth · Ten entries · Entries in this register · Entry No. 01 — Opening Balance The Personal Ledger

  2. Lámina 2 Why it matters — the numbers

    Entry 02 · Why it matters · of Americans could not cover an unexpected expense over $400. · Fragile cushion · $600 · the median emergency savings in the US. · Thin reserve · Gen Z's financial literacy score — the lowest of any generation. · Skills gap

  3. Lámina 3 The ledger mindset

    Entry 03 · First principles · ASSETS Everything you own that holds value · DEBTS Everything you owe · WORTH The difference — your true score · Every decision in this deck moves one of these three lines. · FINANCIAL LITERACY — THE PERSONAL LEDGER FOLIO 03 · OPENED & BALANCED

  4. Lámina 4 Budgeting — the 50/30/20 rule

    Needs Rent, food, transport, utilities, insurance · Wants Dining out, hobbies, subscriptions · Savings & debt Emergency fund, investing, extra debt payments · NEEDS · 50 WANTS · 30 SAVINGS & DEBT · 20 · A budget is not a punishment; it is a plan you write before the money decides for you.

  5. Lámina 5 Pay yourself first.

    Entry 05 · First save The emergency fund · Target balance · 3–6 MONTHS · of essential expenses, set aside before anything else in the plan. · of Americans have no emergency savings at all. · The method — three entries · Open a separate savings account · Out of sight, out of the spending account.

  6. Lámina 6 Credit & debt — the expensive kind

    Debt is a tool. Interest decides if it's yours or theirs. · The silent leak · High-interest · Consumer · Avg APR, cards with interest-bearing balances 22.36% · Source Federal Reserve, Aug 2026 · Paying minimums only Years to clear · Interest paid along the way Thousands · MINIMUM PAYMENTS = THE LEDGER'S SLOWEST DRAIN. THE BALANCE HARDLY MOVES; THE INTEREST ALWAYS DOES.

  7. Lámina 7 Compound interest — the eighth wonder

    Invest $200 a month and leave it alone. Time does the rest. · $150,000 + · $200 a month, invested consistently for 20 years · $1,200,000 + · The same $200 a month, kept up for 40 years · SAME MONEY. TWICE THE TIME. EIGHT TIMES THE RESULT. · Contributions grow slowly at first — then the curve bends. Illustrative growth at a steady average return. · THE PERSONAL LEDGER SOURCE: SMARTASSET, 2026

  8. Lámina 8 Investing — boring wins

    Entry 08 · Investing · 01 Start early Time is the strongest force in the ledger. · 02 Diversify An index fund owns a slice of everything. · 03 Keep costs low A 1% fee quietly compounds against you. · 04 Stay invested The market rewards patience, not reactions. · THE WHOLE STRATEGY FITS ON AN INDEX CARD START SMALL · START NOW · Compounding

  9. Lámina 9 Protect the ledger — traps & scams

    Entry 09 · Defense · No. 01 · Warning · Too-good returns · Guaranteed high returns — the oldest scam there is. · No. 02 · Buy-now-pay-later · Small payments that stack into a big balance.

  10. Lámina 10 Closing — your first entries

    Entry 10 · Action plan · 01 Track every dollar for 30 days ✓ posted · 02 Build the first $1,000 of emergency savings ✓ posted · 03 Kill the highest-interest debt first ✓ posted · 04 Automate one investment, however small ✓ posted · Open your ledger today. Balanced · Financial Literacy — The Personal Ledger End of entries · Review annually