Poll: How Often Did You and Your Parent(s) Discuss Money?

National surveys indicate that the majority of parents across our country have never spoken seriously with their children about money. In our own surveys done with high school students, we also find that a majority of parents are not fulfilling their responsibility to raise children to understand how money and credit work and how to stay out of consumer debt.

More than half of the students we survey indicated that they’ve had, at most, two conversations about money in their lifetime with parents. And these were high school seniors!!!

What about you? Interested in describing your own experience about money conversations with your parent(s) from your formative years? In your teen years, how often did you have discussions with your parent(s) about money, credit and/or debt?

Thank you for your participation. Have a wonderful week!


Todd Christensen
Director of Education
Facebook: MoneyDay2Day
Twitter: Day2DayMoney


Raising Financially Savvy Kids-Part 1

April 6, 2011

Some of the inherent responsibilities of parents include protecting their children and preparing them to be responsible adults in our society. Teaching children the proper management of their financial resources helps to accomplish both of these goals.

If the children in your family are similar to my own (and I would bet there are far more similarities than there are differences), they probably do not enjoy being lectured by their parents, nor do they learn much thereby. So how else are they supposed to learn to be financially fluent if they don’t listen to what we tell them? Well, we show them.

Further suggestions will follow today’s blog, but here’s an easy, fun and effective way to teach children that money does NOT grow on trees and that it must be properly managed and controlled:

  1. Pull out the game of Monopoly or any other board game that has play money in real denominations. If you don’t have such a game, you can print some play money from www.printableplaymoney.net.
  2. Gather the kids around the table to “play” a game. Count on spending anywhere between 15 and 45 minutes for this activity. This game is best for children 8 or 9 years old or older, since they’re getting to the point of being able to grasp abstract concepts. You can tell them you’re going to play a game to show them how Mom and/or Dad makes and spends money every month.
  3. Explain the rules, such as, “We’re going to count out how much money Mom and/or Dad make every month and put it in the middle of the table. Our goal is to spend it on everything we need and then on things we want without running out of money.”
    At this point, you may choose to explain your feelings that you are sharing information that is only meant for your family, and that you are trusting the children not to talk to their friends or to extended family about how much money Mom and/or Dad make.
  4. Teaching children the realities and the value of household budgetingEnthusiastically and dramatically count out of the bills how much money your household makes every month. This should be gross income (before taxes and other deductions). Enjoy the look of astonishment on the children’s faces while it lasts. For many, any amount over $100 might lead them to think that the family is RICH!!!
  5. Explain that the first thing that comes out of the monthly income is Taxes. Remove from the pile of money in the middle of the table the amount of taxes you pay each month. To raise a financially responsible child, you should explain the benefits that come from paying taxes, including security provided internationally by our armed forces, security provided locally by the police and/or sheriff,  transportation infrastructure, schools, laws, health and human services, public transportation, and more. Avoid complaining bitterly about taxes, though it may be educational to explain how we have the right and responsibility to vote for representatives in our government who we hope feel the same way we do about how taxes should or should not be used.
  6. Next, explain that other amounts come out of your paycheck before you receive any money, including Medicare and Social Security (FICA), in addition, possibly, to insurance premiums and retirement account contributions. Remove the amount of your monthly deductions from the pile of money in the middle of the table.
  7. Teach children the importance of committing to saving for emergenciesNext, explain to the children that you have committed to paying yourself first, in case of emergencies, so that there is a specific amount that you put into your savings plan right off the bat. Let them know that this amount is non-negotiable, and that as they grow up, you expect them to do the same. Many children, even fairly young ones, may take comfort in knowing that their parents have a plan in place in case anything unexpected happens. Remove your monthly savings contributions from the pile.
  8. Then, ask the children if they think you should next pay for things you need or want? Explain what your survival needs are and remove that money from the pile. Typically, needs include shelter and security (rent/mortgage and their corresponding insurance and utilities), food and water (NOT including dining out), protective clothing (the very basics), and possibly medications or medical procedures.
  9. The next expenses to come out usually include things that make life comfortable and convenient, like transportation costs, child care, additional clothing, school activities, air conditioning in the summer,  etc. You may also include other obligations and loan repayments (credit card, student loan, signature loan, etc.).
  10. Continue to remove money from the pile until you’re left with “extra” money (usually pretty scarce). Remember to calculate the monthly amounts to set aside in order to take care of periodic expenses like vacations, car and home repair, holiday and birthday gift giving, etc. You may also consider including the children’s allowance or amounts they can earn through chores.

Going through this exercise every couple of years or so will help your children to realize that money is not an infinite resource, that it doesn’t grow on trees, and that their parents are in control of their finances. It generally has the added benefit of stemming the continual flow of the “gimmees” and the “buymees.” “Give me this” and “buy me that.”

Finally, letting our children “see” how important budgeting is to us will lead them to value it as well.

Have fun with this activity, and let me know how it goes.


Todd Christensen
Director of Education
Facebook: MoneyDay2Day
Twitter: Day2DayMoney

Perpetuating Myths about Poverty

March 28, 2011

I’ve said it before, I was not the brightest financial light in the bunch when I was younger. Oddly enough, I come from a wonderful upbringing in a home where financial responsibility was expected and demonstrated, if not discussed openly. So, according to the philosophy that well-to-do and financially savvy parents beget children with the same financial smarts, I should have known better. But I didn’t.

Yes, balancing a checkbook and making a dollar stretch were two skills I was taught and which I have carried with me ever since. However, the wise usage of credit what not taught, most likely because I came of age at about the same time as the explosion of the consumer credit card in the 1980s. Before that, receiving a credit card while in college was not only uncommon, it was next to impossible.

So, when I pulled my first credit card offer from my apartment’s mailbox, the only thing I saw was the $2,000 credit limit. To me, that was like shouting, $2,000 of “free money.” WMaxing Out Credit Card was NOT Goodithin 36 hours of receiving that card in the mail, I had maxed it out and would, for a decade thereafter, carry a balance and pay interest (initially to the tune of 19% APR or more).

It took years to dig out of the credit card hole. In the meantime, I dabbled in a couple of payday loans, bounced a number of checks, and continually treated my savings account as a “deferred spending” account rather than an emergency fund.

I share this lengthy history to make the point that my troubles where not actually from a lack of education or from ignorance. I quickly learned how credit cards worked, but I continued to rely heavily upon them to subsidize the lifestyle I felt I deserved. What kept me in the cycle of consumer debt was my attitude, what I termed PovertyThink in a recent blog. I had conditioned myself to believe that this was the only way to look at my finances.

So here is a synopsis of a few of the myths that lead many of us to subsidize our unsustainable lifestyles through credit, thus keeping us from building true financial net worth (aka wealth):

  1. We prefer to blame others rather than take responsibility for our own financial mistakes. Banks and creditors, in particular, are the major targets of our frustration. They, after all, charge ridiculous fees for bounced checks and late payments, right?
  2. We seem to believe that lifestyles, income and effort should all be fair and proportional. That is to say, the harder we work, the more money we should earn and/or the more money we “deserve” to spend. We compare our efforts and lifestyles to those of our friends, neighbors and acquaintances, and say to ourselves, “I work just as hard as they do, so I deserve to live as well as they do.” For example, I saw friends and classmates back in college driving new(er) cars, purchasing season ski lift passes, and living in expensive condos. Some might call it impatience, but I felt I worked just as hard as they did (harder, I would argue, since I was an early-morning janitor at my school’s science center), and that I was consequently entitled to anything they had just as much as they were. Credit cards allowed me to initially satisfy that feeling but lead to long-term troubles.
  3. We choose immediate gratification over long-term security. “Living in the now” may be a popular catch phrase in movies and among a few philosopher wannabes, but it’s a terrible idea for financial security. Of course we can enjoy life each day, but this catch phrase ignores the absolute necessity to prepare ourselves for long-term financial survival. Spending money now that should be going toward savings and investments means we’re spending tomorrow’s security for today’s gratification.

Taking Personal Responsibility for Our Finances MUST Be Our First StepUntil we take personal financial responsibility for our own choices, stop expecting life (and especially financial affairs) to be perfectly fair, and we learn to delay gratification, we are destined for financial insignificance. We do not find long-term satisfaction in living paycheck-to-paycheck. We’ll find no honor in unearned positions or possessions. We’ll find no lasting peace of mind in expenditures for the pleasures of today.

In summary, for those who continue to blame others, demand financial equality (which is not the same as opportunity), and live only for today, the future may only bring more disappointment, greater financial inequality, and the dreariness of debt and financial ruin.

If you or someone you know is stuck in this rut of PovertyThink, it’s time to reconsider your situation. Do some reading about how financially successful people accomplished their goals, and follow their examples. Here’s a nice site to see read some real life financial success stories (without all the blinding glitz and false glamour of the lottery and get-rich-quick sites): Get Rich Slowly.

Have a fantastic day!


Todd Christensen
Director of Education
Facebook: MoneyDay2Day
Twitter: Day2DayMoney

Published in: on March 28, 2011 at 1:33 pm  Leave a Comment  

To Bank or Not to Bank? Is THAT the real question?

December 1, 2010

National Financial Education Center at Debt Reduction Services Inc-Advantages of Bank AccountsI recently met with a couple who were dead set against ever having a checking account again. It’s not that they didn’t understand the value of a checking account but that they had gotten themselves into trouble writing checks for more money than their account had. They have decided to use cash only or, only if required in the future, use a prepaid card. For them, seeing their money was the only way of knowing how much they had left to spend until the next paycheck.

Their plight underscores the challenge that many couples face. How can you get two adults to work together on responsibly spending and tracking day-to-day household and personal expenses? They seemed to have a legitimate concern for how two people could manage one bank account. Just one bounced check fee, let alone five or six during difficult times, is enough to discourage many couples from moving from a cash only system to becoming a banked household.

I think the issue for such couples is less one of whether or not they should have a bank account but how they should approach the day-to-day management of their homes. Here’s my take on the situation:

Being banked is ALWAYS better than being unbanked.

Having a bank or credit union accounts (checking or savings) can go a long way to preventing the heartbreakingly tragic situations that could come by losing a pocketful of cash or having the cash stolen from your home or off your person. Such events happen, and when cash is involved, there is no getting it back…EVER.

The challenge for many couples who have fled from checking accounts is setting up a proper system for managing their money on a day-to-day basis. Here are a couple of simple solutions that don’t even involve checking accounts. They DO require you to set up one or more savings accounts, which generally have no monthly fees but do have restrictions on how many withdrawals you can take during a month:

  1. At bare minimum, set up one savings account. Deposit your payroll or SSI check into the savings account at no cost (even better, have it deposited directly into the account by your employer/the government). Withdraw only the cash you need each week. To avoid additional fees, do NOT apply for an ATM card associated with the account. If you do get an ATM card, make sure you NEVER use an ATM that charges you a fee. This scenario will save you any check cashing fees you’ve been paying without a bank account. These fees may be anywhere from $3 to $30 per month. That may not seem like much, but that’s about $40 to $360 a year. Plus you have a security of having your money in an account insured by the US Government. Even if your bank or credit union failed, your money would be guaranteed for up to $200,000.
  2. Set up multiple savings accounts, such as: 1) General expenses, 2) Groceries, 3) Leisure/Entertainment, 4) Medium-term expenses like vacations, appliances or furniture replacement, and car repairs, and 5) Personal expenses. Set up an automatic monthly transfer from your General expenses savings account to each of the other accounts.  Automating these transfers ensures that you avoid spending money in your General account that should be destined for other expenses.

If you don’t use a checking account, you’ll likely need to purchase several Money Orders every month for bills. Five money orders through the US Post Office for monthly bills will likely cost you $5-$6 each month. That’s $60 to $72 per year, not including postage for mailing the MOs.

National Financial Education Center at Debt Reduction Services Inc-Real Dollar Advantages of Checking AccountsAs these indirect costs of being unbanked add up, you can see the real dollar value of opening and responsibly using a checking account. If you’re still worried you’d end up bouncing checks, don’t be afraid to go into your bank or credit union and ask for help. You’ll usually find the staff willing to help educate you and guide you in your efforts to develop effective checking management skills. Plus, you can usually check with a local nonprofit credit counseling agency like Debt Reduction Services Inc. for help.

And remember to shop around for the right financial institution to work with. Find a bank or credit union that has fees (or lack there of) that fit your situation. You’ll likely want to work with one that has a physical location close to your home and/or your place of work. Visit the branch and get a feel for how you’re treated. If you feel like you’re just an intrusion into their work, find another bank or credit union close by.

After several months (or perhaps a year) of properly managing your savings account(s), you’ll find that your bank or credit union will be more likely to open a checking account for you, even if you’ve had a less-than-stellar record with them previously. However, at that point, just remember that you’ll need to develop the checking account-specific skill of managing a checkbook register. Spending plans, as always, will also be key to success.

Please let me know if you have your own simple banking success story to share of moving from a cash-only household to one using a bank or credit union account.

Best wishes,


Todd Christensen
Director of Education
Facebook: MoneyDay2Day
Twitter: Day2DayMoney

Published in: on December 1, 2010 at 4:29 pm  Leave a Comment  

7 Tips for Keeping You in the Black this Black Friday

November 23, 2010Keeping your own finances in the black this Black Friday

If you’re a Black Friday junkie, before you head out the door this Friday morning (likely EARLY Friday morning), please consider the following 7 suggestions for keeping your own finances in the black:

  1. Have a simple financing plan in place. There will be WAY more cool and attractive stuff on sale than you could possibly afford, so you’ll need to decide AHEAD OF TIME for whom you are purchasing the items, and how much you’re willing to spend for each person on your list. Create a simple chart with the names of gift recipients down the left hand column and the amounts you’re planning to spend on them in the right hand column. If you want to be more detailed, you could split the “Amount” column into two, with “planned amount” in the middle and “Absolute Maximum” amount on the right. Aim to spend no more than the middle amount, but commit now NEVER to exceed the right hand amount.
  2. Leave the cards (credit and debit) and the checkbook at home. You can’t overspend if all you’ve got is cash.
  3. Take a shopping buddy… but NOT JUST ANY shopping buddy. Go with the friend, family member or neighbor with whom you enjoy spending time but who will also keep you on financial track. Verbally commit to each other to stay within your stated spending limits.
  4. Budget for your Black Friday breakfast or brunch. Many make this meal part of their holiday traditions (in fact, for many, if may be the first time since consuming the Thanksgiving meal 20 hours or so earlier that they’re even able to eat). Just make sure you have a limit, you know restaurant’s price range, and you stick to your plan.
  5. Compare prices online: Make sure you know how much competitors are listing the items on your want list for. Check out their web sites. Of course, you have to take shipping and handling costs into account.
  6. Think in dollars, NOT percentages. Forget the sale signs. “75% off” doesn’t mean anything to your purse or wallet. The reality is NOT how much you’re saving but how much you’re spending. Remember that sales come and sales go. What’s “hot,” “in” and “cool” this year will be next year’s forgotten fad. However, you only get to spend the dollars in your wallet once. After that, they’re gone, and they’re not coming back. Make sure you’re spending them on your own priorities and not what the stores are telling you your priorities should be.
  7. Make your Christmas about the people in your life rather than the “stuff” you’re buying for them. We all know that relationships are more important than things, yet too often we get caught up year-after-year in buying and consuming. This year, get creative by spending MORE TIME with the important people in your life and spending LESS MONEY for stuff that will sooner or later likely end up in the attic, garage, or, worse, the dump just taking up space.

I wish you all a Happy Thanksgiving, Happy Holidays, and (although still a few days early by my standards, but if you can’t beat ’em…) a very Merry Christmas!

Todd Christensen
Director of Education
Facebook: MoneyDay2Day
Twitter: Day2DayMoney

Santa’s Not Comin’ to Town Quite Yet

November 15, 2010

I’ve always thought that Thanksgiving gets the short end of the stick when it comes to fall holidays. Christmas seems to invade stores almost as soon as kids are back on the school playgrounds after summer. Maybe that’s why I love Thanksgiving some much. It hasn’t been (and hopefully never will be) commercialized. Hopefully it stays the most home-centered of gatherings of our society.

Additional Thanksgiving expenses on decorations, travel, and entertaining can add upStill, just because it’s not been co-opted by Madison Avenue doesn’t mean we don’t, as a nation, spend a lot of additional money on the holiday. Thanksgiving generally means extra expenses in:

  • Travel: If you’re flying to your destination, you’ll generally spend anywhere between 10% and 50% less if you DON’T travel the day before Thanksgiving and the Sunday AFTER Thanksgiving.
    TIP: Consider flying out TWO days before the holiday and coming home on Friday.
  • Meals: Often, a portion of the extra money we spend on Thanksgiving meals can be recouped by enjoying leftover turkey sandwiches for a week or two afterwards.
    TIP: To make leftovers easier to deal with, separate them into smaller portions, place them in freezer bags, and pack into the freezer. That way, you won’t have to pull huge portions out of the freezer to use all at once.
  • Decorations: After travel, decoration expenses can be considered to be the most expensive “optional” expense of Thanksgiving. Whether it’s new Thanksgiving-themed plates and serving dishes, front door wreathes, pewter turkey-shaped napkin holders, or other household ornamentation highlighting the joys of fall, a spendthrift household could easily lay down an extra $200 or $300 each Turkey Day in making their dinner more festive.
    TIP: If children or grandchildren are available, use their pictures or artwork to decorate the house. Back a small photo of a family member with some construction paper and tie them around the napkin as a holder.
  • Entertainment: More and more families are deciding to spend the afternoon or evening of Thanksgiving at the movie theater. Whether Hollywood pushed for it or reacted to it, the demand is definitely there. That’s why many blockbuster movies often debut on Thanksgiving Day or that weekend.
    TIP:  Games at home can be more affordable and usually much more interactive, but if you insist on going to a movie, make the decision to skip the high-priced treats. After all, you’ll probably still be feeling as stuffed as the turkey was just a few hours before.

Have a wonderful, safe, and happy Thanksgiving Day and holiday season!

Todd Christensen
Director of Education
Facebook: MoneyDay2Day
Twitter: Day2DayMoney

Entitlement Spending

Picture this: You’ve had a lousy day at work. You’re exhausted. You’ve worked your tail off for your boss, and he/she can hardly remember your name let alone express appreciation for all your hard work.

Now, let’s assume that it’s also payday. Here come the temptation. Do you go out after work and spend money you don’t have in order to blow off some steam or do you find another avenue for relieving your frustration.

Spending money you haven’t planned for or that you just plain don’t have, all because you feel you “deserve” to treat yourself to something nice, fun or tasty, is called “Entitlement Spending.” For those who unwind at a bar after work every day, we’re talking about $400 or so a year just for one beer. For those who splurge on clothing once a month, it could be much more than that.

Entitlement spending can also work the other way around, though. Some people feel the same urge to spend when they’ve had a great day. “It’s time to celebrate!”

Here are our tips for dealing with the temptation to fall into the entitlement spending pit:

  1. Add a category to your monthly budget called “free money.” This is not “free” as in no cost, but “free” as in “available.”
  2. Set aside a modest amount into this budget category. For some people, it might be $5 per month. For others, it might be $50.
  3. Don’t think of this “free money” as something you’ll spend on anything specific. Rather, this is for those days and times when you want to spend on impulse.
  4. You may want to withdraw the cash from your bank and place it in an envelope in your glove box, purse, or desk drawer.
  5. Just remember to tell yourself that once this money’s gone, that’s all there is for the rest of the month. Try to hold onto it until the last week. By then, you’ll realize that you really don’t even want to spend money as a way to blow off steam.
  6. Seeing your emergency savings account grow can be a reward in and of itself.

Kick the Entitlement Spending Self-Defeatist HabitFinally, my favorite way of looking at Entitlement Spending, especially given that we hear a lot of people try to justify it by saying, “I deserved it,” is this:

Telling yourself you deserve to spend money you don’t have after a rough day is like smashing your thumb with a hammer and then saying you deserve to give yourself a puncture wound to go with it.

Todd Christensen
Director of Education
Facebook: MoneyDay2Day
Twitter: MoneyDay2Day

Published in: on August 26, 2010 at 4:12 pm  Leave a Comment  

Plastic or Cash?

How to Use and Not Use Credit CardsWith all the talk about the dangers of credit cards, it might be easy to decide to bury your Visa, MasterCard, American Express or Discover cards in your back yard and just stick with your debit card instead.

Before doing so, you should be aware that studies have indicated that regardless of whether you use a credit card or a debit card, you still spend about 12% more than you would have if you were to use cash or a check.

This fact should bring home several implications, including the following:

  1. We overspend when we use credit cards rather than cashIf you use credit cards, and you pay off your balance in full every month, you probably think your pretty wise for taking advantage of the credit card companies. After all, using a credit card is generally more convenient and more secure than carrying around cash. After all, with credit cards, you don’ t have to go to the bank to withdrawal cash, you don’t have to reorder checks every 6 months to 2 years, and you essentially get an interest free loan on your purchases if you pay them off in full with the next bill. However, be aware that if you’re an ultra credit card user (perhaps making $2,000 or more in credit card purchases each month that you pay off with the next bill), you’re likely spending an additional $250 or more every month in real money because of the psychological temptation to purchase more expensive items and to do so more often due to the convenience of the plastic in your purse or wallet.
  2. We spend 30% or more at restaurants paying with credit or debit cards than if we were to use cashIt gets much worse if you’re using plastic when you go out to eat. Think about it! If you walk into a restaurant, all of your senses combine against you as they try to communicate this one issue: satisfy us NOW! There are smells; there are often sounds of food cooking; there are brightly colored menues; and then there is your stomach growling at you. That’s why, when you use a credit or debit card in a fast food or other restaurant setting, you’ll probably spend upwards of 30% to 40% more than if you had brought in cash. It’s no wonder, then, that when McDonald’s began accepting credit cards, their average purchase when from the $4 range up to more than $7!!!

I’m not suggesting you ditch credit cards. As I mentioned (and I truly believe), credit cards are safer and more convenient to use than cash, not to mention that their proper use can help us to build a solid credit history, especially important in advance of a large purchase on credit such as a home or car.

However, I do believe that too many people use their credit cards without setting and sticking to actual spending limits. That’s my challenge to all of us: establish your spending limit long before you enter a store or restaurant and stick to it. Otherwise, you ought to consider putting your plastic on ice.

Todd Christensen
Director of Education
Facebook: MoneyDay2Day
Twitter: Day2DayMoney

Published in: on August 19, 2010 at 11:59 am  Leave a Comment  
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Overdraft Options

So come August 15, 2010 (this Sunday), financial institutions may not assess any overdraft fee unless the consumer has opted in to the financial institution’s overdraft program. At an average of $30 a pop, we’re not really going to miss those fees much, are we?

With billions of dollars of revenue on the line for banks and credit unions (over $38 Billion in 2009 just for banks), it’s no wonder that we here at Debt Reduction Services Inc have seen some pretty fancy and creative marketing materials designed to entice consumers into opting in to the bank’s or credit union’s overdraft program.

These slick flyers and brochures tout the benefits of maintaining a fee-based overdraft protection account. The top two so-called “advantages” usually include having access to overdraft in cases of emergencies and avoiding the embarrassment of having your purchase declined while in line at a store.

First of all, depending upon a $30-fee-per-incident program (like overdraft) as an emergency plan is as ridiculous as using a payday loan to “fill” the financial gaps before your next paycheck. Both options take an obviously bad situation and make it far worse.

Second, if you’re afraid of the embarrassment caused by a declined debit card, take that fear and use it as motivation to spend at least 15 minutes every week getting to know your finances better. Set aside 15 minutes every Saturday morning or Monday night, or Thursday at lunch (make it a habit) and ensure that your account is balanced and determine what bills need to be paid in the upcoming week and how. This 15 minute “financial check up” can do wonders for your financial health, both in preventative and restorative terms.

Finally, when it comes to options to overdraft, consider (probably in order) the following as a few of several possible solutions:

  1. Planning your spending (budgeting) so that you don’t go near your account balance in the first place;
  2. Dealing emotionally with the possibility of a declined purchase;
  3. Linking your checking account to a savings account so there is no charge (or only a minimal one) for overdrafting your checking;
  4. Linking your checking account to a credit card that you would then pay in full if you overdrafted your account, thereby avoiding interest charges.

As with most financial challenges, controlling your own money is the key to avoiding problems (and fees) related to overdrafted accounts. Remember, if you’re not planning how to spend your own money, then be warned that someone else is likely planning a way to take it from you. And with overdraft fees, there is no benefit to you that you could not have improved upon with just a few minutes of attention to your finances each week.

Todd Christensen
Director of Education
Facebook: MoneyDay2Day
Twitter: Day2DayMoney

Published in: on August 9, 2010 at 1:57 pm  Leave a Comment  
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Motivation for Mid-Week

Click this link: I Will

A few years ago, I saw a mentor of mine, Larry Wintersteen, include in his office management presentation a simple, black and white PowerPoint, set to music, that had an intense and dramatic effect on his audiences.

So, with a nod to Mr. Wintersteen and a great big “Thank you” to my friend and music hero, Jonathan David Clark, for his genius and his generosity, please enjoy the PowerPoint linked here, entitled, “I Will.”

(You’ll want your speakers plugged in and turned on)

Todd Christensen
Director of Education
Facebook: MoneyDay2Day
Twitter: Day2DayMoney