Discussion A: Address these topics: 1. How much do you spend per month on transportation? 2. How can you reduce your monthly transportation expenses for example care pooling, public transportation etc.? 3. Are you thinking of buying a home or already bought a home? How much monthly expenses are you budgeting for monthly mortgage and other related expenses? 4. What are other expenses are you anticipating related to your home such as insurance, maintenance etc.? B: Address these topics: 1. Do you have disability insurance through your employer? Discuss the coverage. 2. What kind of health insurance you have? Discuss the coverage. 3. What kind of home insurance do you have? Is it adequate insurance to replace your home in case of any disaster? 4. If you have an old car with 150,000 miles, what kind of insurance will you buy? C: Address these topics: 1. Do you have a life insurance? What is the coverage? 2. Can you use life insurance as an investment vehicle? 3. Discuss setting financial goals for children's college education. 4. Discuss outlining an investment portfolio (asset types, allocation, risk-return) for an individual or family financial situation with the expectation of earnings relative to the portfolio's risk