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b"Theology Gals | Episode 110\\n\\nThis week Coleen and Angela address being wise with our money. Below you'll find an outline of the topics discussed.\\n\\n \\tBudgeting\\n\\n\\n \\tBudgeting software options \\n \\tWork on your budget together as a couple \\n \\tBudget for everything\\n\\n\\n \\tGetting out of debt\\n\\n \\tPay off highest interest debts first\\n \\tPay more than the minimum\\n \\tIf you aren't carrying a balance on your credit card DON'T START!\\n\\n\\n\\n\\n \\tSaving \\n\\n\\n \\tEmergency Funds\\n \\tSaving for bigger purchases\\n\\n \\tChristmas\\n \\tVacations \\n \\tHome improvements \\n \\tCars \\n\\n\\n \\tSaving for retirement (which will tie in with investing)\\n\\n\\n \\tInvesting \\n\\n \\tTypes of investments\\n\\n \\tDebt (bonds)\\n \\tReal Estate\\n \\tEquity (stocks)\\n \\tDerivative investments (options, hedges, other very complex instruments)\\n\\n\\n \\tWhy Invest\\n\\n \\tInflation\\n \\tLifetime avg return on the market\\n\\n\\n \\tBasics\\n\\n \\tStart early\\n \\tMax it out, get every match dollar\\n \\tDiversify (talk about risk)\\n\\n \\tIndividual stocks >40\\n \\tMutual funds\\n \\tDiversify across asset type as well\\n\\n\\n \\tShift strategy with age\\n\\n\\n\\n\\n\\n\\n \\tNot so great financial decisions\\n\\n\\n \\tMLMs \\n \\tCredit cards\\n \\tBuying too much house\\n \\tViewing a car as an investment\\n \\tNot saving for retirement\\n \\tWhole life insurance\\n\\n\\n \\t Giving\\n\\n\\n \\t Teaching children to be wise. \\n\\n\\n \\tYoung children \\n \\tTeenagers\\n\\nWomen can join our Facebook Group Theology Gals-Ladies Theology Discussion and Encouragement\\nFollow us:\\nOn Facebook\\nOn Twitter @TheologyGals\\nOn Instagram theologygals\\nEmail us at theologygals@gmail.com\\n\\nIf you'd like to ask Theology Gals a question which may be answered on a future episode, you can text or leave a voicemail at (951) 407-0234. You may also send an email. \\n\\nConsider supporting Theology Gals with just a few dollars a month"