How is obsolescence created?

What steps can be taken to build a sound financial reputation?

What is the role of a consumer advocate?

Review your notes on the essential questions from Unit $3.$

How does managing your credit impact your financial future?

How does your FICO score help you manage your credit?

Andy's yearly income is $$40,000.$ What would Andy's debt load be on a $$15,000$ personal loan? Would Andy's debt load follow the guidelines of the $\frac{20}{10}$ rule? Provide a reason for your answer.