Discuss the advantage of using a personal budget. What did you learn about your spending habits from putting a budget together? List a few ways that you can lower your personal tax liability. Research checking and savings accounts. If you were to open a new checking account and savings account, which banks would you use and why? Compare rates and note where you found them. Describe what 'pay yourself first' means. What ways could you pay yourself first in your current situation? Discuss whether you should rent or buy a home. Perform an analysis determining the mortgage you could pay and your monthly costs compared to a rental property. What is your debt safety ratio in your current situation? Research credit cards and discuss they type you would apply for, the terms, and if there are any rewards or benefits. What types of loans do you currently use or would you consider using in the next few years? Discuss all of the insurance products that you believe you should need. This should include medical/dental/vision, life insurance, and property insurance. What kind of retirement plan would you invest in? Do you believe that a pretax or post tax plan is better suited for you? How much of your paycheck would you ideally contribute? What kinds of investments would you choose if you had remaining funds to save