Think of what you spend money on every month. Think about one item that others might not consider to be...

Think of what you spend money on every month. Think about one item that others might not consider to be a ‘necessity’ and explain why it is to you.

Do you have any money invested in an account? If so, does it collect compound or simple interest? Do you think most Americans have any idea of what their investments are earing them? Why or why not?

Which do you think makes more sense when it comes to mortgages, paying ahead or paying later? Realistically, which one do you think that you will be able to manage in your future?