You are a young man attending college. You grew up in a middle class family and don't know much about money other than you want to make six figures eventually. As of now you don't have a credit card and don't have any credit. Just make things up creating a character around the questions below. Please type 3100 words. each section is a paragraph and add an introduction please.

Section One: Earliest Memories of Money

1. What are your earliest memories about money? Are these memories generally positive or negative?

2. As a child, what was your impression of your familys wealth or class status? How accurate do you think that impression was?

3. As you were growing up, how was money discussed within your immediate family? Only when absolutely necessary? Openly without emotions? Secretly?

Section Two: Family and Money

4. Within your household, as you were growing up, who spent and who saved the most money in your family?

5. What was the familys attitude toward borrowing money from banks? What was the familys attitude toward borrowing money from others in the family?

6. What messages about money did each generation pass on to the next generation? Make sure to explain what your grandparents taught your parents and in turn, what your parents taught you.

Section Three: Financial Rules and Habits

7. What are two of your financial strengths and two of your financial weaknesses?

8. How has your cultural background influenced your financial decisions?

9. What are the basic rules that you tend to live by when it comes to money? This could be money sayings or money proverbs that capture your beliefs and behaviors about money.

10. As you continue to think about your financial future, what positive habits, do you want to pass along to the next generation?

Section Four: Career and Financial Goals

11. Describe one short-term and one long-term SMART goals pertaining to your career. Be sure to refer to course materials regarding SMART goals and elaborate.

12. Describe two short-term and two long-term SMART goals pertaining to your financial situation. Be sure to refer to course materials regarding SMART goals and elaborate. Also, incorporate figures into your financial goals.

13. The name of the credit-reporting agency you used and the method of ordering your report.

14. What surprised you about your credit report?

15. Did you find any errors on your credit report?

16. Are there questions you still have about your credit report? If so, what are they?

17. Why is it important that everyone who has established credit receive a regular credit checkup?

18. How does assessing your credit report help you plan for your future?

Section Six: Conclusion

19. What is your favorite money quote and why?

20. How will you apply what you have learned throughout this course to your future?

21. As you now look back over what youve written, briefly describe any themes or lessons that come through in your responses. Can you see more clearly how you arrived here financially or what you may need to do for better money management?