Life Stages
Single
Jennifer is a single 25-year-old. She knows that she has little room to ‘play’ in her budget, but finds it difficult to say "no" to her friends. She understands the power of compounding interest and the value of starting a retirement plan early. She just doesn’t see how she can spare any money right now.
Newlywed
Carmen is a 30-year-old newlywed. She put herself through college by working two part-time jobs and applying for scholarships. She has difficulty accepting the fact that her new husband’s debt is now her debt. She feels that it is important to have joint finances with her husband, but is uncomfortable with high monthly loan payments.
Married with children
Nancy is a 42-year-old mother of three. Before having children years ago, Nancy was a successful accountant. She is worried that the couple may not have enough to retire on and wonders how they can make that seven percent work harder.
Divorced
Kim is a recently divorced mother of two boys. She works as a restaurant manager which often makes child care difficult on nights and weekends. Her ex-husband always took care of financial matters, including planning and saving for retirement. She is unsure of what she needs to do for her own needs.
Second marriage
Vicky recently married Todd. This was a marriage of two hearts and four children. The past several months have been a crazy blending of personalities, lifestyles and financial strategies. She has heard from friends in second marriages that it helps to keep the child support in a separate ‘pool’ for the specific child. She thinks that having four separate funds, however, might be too complicated.
Widow - earlier in life
Stacy is a 37-year-old mother with a nine-year-old daughter. Stacy’s husband, Ray, was tragically killed in an auto accident last winter. She feels overwhelmed when she thinks about how to deal with the proceeds from her husband’s policy. She is interested in pursuing a bachelor’s degree in education to be a teacher, but wonders how to support herself and her daughter while in school.
Empty nester
Karen is a 55-year-old mother of two. Her daughter, Lila, is a sophomore in college. Her son, John, is a first-year attorney at a small law firm. She and her husband, Gary, have both worked as city employees most of their careers. She isn’t sure whether the two should focus on paying off their house or saving more for retirement.
Widow - later in life
Sylvia lost her husband, Fritz, over a year ago and is still unsure how to handle her finances on her own. At age 83, Sylvia had been married more than 60 years when he passed. Fritz worked full time and handled the finances while Sylvia managed the home and cared for their six children.
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