WE BELIEVE IN MARGIN
There is little doubt that many are facing financial hardships in our country today.
The statistics can be startling:
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70% of Americans have less than $1000 saved for emergencies (SOURCE)
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73% of Americans who die today are $62,000 in debt (SOURCE)
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78% of Americans live paycheck to paycheck (SOURCE)
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One-third of Americans report they have no retirement savings. (SOURCE)
While it can be easy to point fingers and blame those who live in these circumstances, the truth of the matter is that many Americans lack the basic financial knowledge to avoid these pitfalls.
EDUCATION IS THE ANSWER
Our purpose is to use our example, our influence, and our resources to help others make wise financial decisions. To that end, First Southern has partnered with Banzai to provide the best in financial literacy materials, so that the people of our communities can be better equipped to face the financial challenges life throws their way. Please take time to browse the library below to learn more.
Financial Wellness Assessment
On a scale of 1 to 100, how do you think you’d score in a financial wellness assessment? Answer a few questions about your money habits, and discover areas where you’re succeeding financially, and ones that could use some work. You will receive a rating of your overall financial health and begin to design your path toward financial wellness.
This financial assessment evaluates the 8 most important aspects of your relationship with money.
Behaviors & Emotions
Consider how you feel about money and learn how to make your finances a source of fulfillment.
Savings
Evaluate your progress toward savings goals and learn what you can do to reach them faster.
Debt
List your debts and see how your payments affect your overall financial health.
Emergency Fund
Discover if you’re prepared to weather an emergency and how to create a safety net.
Spending Habits
Take a look at how you spend your money and discover how to improve your budgeting skills.
Borrowing & Credit
Examine your credit score and borrowing habits to find opportunities to improve.
Retirement
Find out if you’re on track to retire and what you can do to pick up the pace.
Insurance
Check for cracks in your coverage and prepare to protect your future.
BORROWING & CREDIT
Using Credit
Borrowing money makes it possible to afford things
Student Loan Early Payoff Calculator
Student Loan Payoff Calculator HOW IT WORKS By
HELOC Calculator
Home Equity Line of Credit Calculator HOW IT
BUDGETING
Spring Cleaning your Finances: Tips to organize your financial life!
Spring Cleaning Your Finances
Student Loan Early Payoff Calculator
Student Loan Payoff Calculator HOW IT WORKS By
Emergency Fund Calculator
Emergency Fund Calculator HOW IT WORKS An emergency
CALCULATORS
To Buy or Not to Buy?
They say there’s no place like home, but does
Student Loan Early Payoff Calculator
Student Loan Payoff Calculator HOW IT WORKS By
Rule of 72 Calculator
Rule of 72 Calculator HOW IT WORKS The
COACHES
Completing a Return
Filing a tax return
What Auto Loan Can I Afford?
Coach: What Auto Loan Can I Afford?
Business Structure Quiz
Coach: Setting Up Your Business HOW IT
HOUSING
To Buy or Not to Buy?
They say there’s no place like home, but does
HELOC Calculator
Home Equity Line of Credit Calculator HOW IT
Mortgage Application Checklist
One of the most tedious parts of home buying
RETIREMENT
What is Inflation?
Inflation measures how much prices rise over time.
Financial Wellness Assessment
Coach: Financial Wellness Assessment HOW IT WORKS
Leaving a Job with a 401(K)
When you leave a job with a 401(k),
RUNNING A BUSINESS
Playing the long game in business and life
There is an oft-repeated urban legend that
Workplace Cybersecurity
Coach: Workplace Cybersecurity HOW IT WORKS Interacting with
Business Structure Quiz
Coach: Setting Up Your Business HOW IT
SAVING
What Auto Loan Can I Afford?
Coach: What Auto Loan Can I Afford?
Emergency Fund Calculator
Emergency Fund Calculator HOW IT WORKS An emergency
Simple vs. Compound Interest Calculator
Simple Interest vs Compound Interest You want to
TAXES
Completing a Return
Filing a tax return
Child Tax Calculator
Calculator: Child Tax Calculator HOW IT WORKS
Advance Child Tax Credit Payments in 2021
The IRS has announced that there will be
FRAUD PREVENTION
Activate your Identity Theft Protection today!
Your new Mastercard offers a variety of free
Why do we need your driver’s license?
“Can I see your ID?” This is a
3 simple ways to practice cybersecurity
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