Take Control of Your Financial Future

How money works, and how to make it work for you

Welcome to The Personal Finance Institute, where financial empowerment begins. Whether you’re just starting your financial journey or looking to strengthen your existing plan, we’re here to guide you through every aspect of personal finance.

Only 33% of Americans have a written financial plan, and just 16 states require high school students to complete a dedicated personal finance class. That’s where we come in. Our comprehensive resources cover everything from financial planning and debt management to home ownership, investments, retirement, and estate planning—plus specialized guidance on marriage planning, college planning, and caring for aging relatives.

…We’re Living Longer Than Ever Financial Planning is Essential Because… …But Most Americans Are Failing During the Revolution, life expectancy for the colonists was 25. In 1900, it was 47. Today, it’s 85, and if you’re alive in 2030, you can expect to live beyond age 100.

Will your money last as long as you do?
 37% of U.S. families can’t pay an unexpected bill of $400 without going into debt. …Your Parents (or In-Laws) are Living Longer Than Ever, Too Financial Planning is Essential Because… …But Most Americans Are Failing 63 million Americans, or about 1 in 4 adults, are family caregivers. Their average age is 51 and they provide a median 4 hours of care each day. A third of caregivers have children under 18 at home, and the majority have jobs (with half of them reporting adverse job impacts, such as taking leave or turning down promotions). The average caregiver spends $7,200 per year on caregiving expenses, with half reporting a negative impact on their own finances.

All this explains why 64% of caregivers report emotional stress and have higher rates of depression than non-caregivers.

Have you considered whether you might become a caregiver, and how you’ll manage that obligation without harming your personal finances or interfering with your goals?
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Half of U.S. adults have enough savings to pay expenses for three months. …College is More Expensive than Ever Financial Planning is Essential Because… …But Most Americans Are Failing Six in 10 high school seniors go to college, but a quarter of college freshmen drop out and only 62% graduate after six years. And 10 years later, only half of college graduates are in jobs that require a degree. Worst of all, 20 years after graduating, 42% of student loan borrowers are still paying off their debt.

College can still be still the right choice for teens – but only if the journey is navigated correctly. Do it right and a future filled with prosperity and happiness awaits; done wrong, though, college can ruin a teen’s life.

Are you helping your teen properly decide whether college is the right choice – and if so, how to minimize the cost and emerge with a degree that leads to a happy life?
40% of younger workers are living paycheck to paycheck and thus can’t save for retirement …Automobiles Cost More than Ever Financial Planning is Essential Because… …But Most Americans Are Failing The average vehicle now costs more than $51,000, and the average buyer finances nearly $42,000 of the purchase, with a typical 72-month loan – creating the high likelihood that amount owed in the future will exceed the value of the car.

Is your vehicle purchase one that you’ll be happy with long into the future?
46% of those earning $200,000 to $300,000 annually aren’t saving for the future Debt. The word Debt in the background of the US dollar. Financial Burden, Loan, and Credit Concept.

The Personal Finance Essentials

Financial
Planning

Cash
Reserves

Credit & Debt

Insurance

Taxes

Home
Ownership

Investment Management

Entrepre-neurship

College
Planning

Career
Planning

Marriage
Planning

Retirement Planning

Longevity Planning

Estate
Planning

Kids & Money

Choosing a Financial Advisor