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INSIGHTS	
 

                   FROM	
 
    CONVERSATIONS
     
 
FINANCIAL !
        WITH	
 




 CONSUMERS	
 
 !
 	
 
                              @monapatel
Insights from Conversations with Financial Consumers
	
  AVERAGE DEBT 
 THE
 CREDIT CARD
              !

 IN THE US IS
 $15,325
 PER HOUSEHOLD. !
 !
 july 2012!
                         	
 
 federal reserve bank!
THAT SEEMS IRRESPONSIBLE.
Meet Padma.
則р Didnt start thinking about money until after
    she graduated college.
則р Currently seeking a 鍖nancial advisor.
Learn about her 鍖nancial decisions here
Meet Megan.
則р Didnt start thinking about money until after
    she switched jobs.
則р Has a love/hate relationship with money.
Learn about her 鍖nancial decisions here
?
what does it mean to be 
 鍖nancially responsible
SAVE MORE
SPEND LESS
HAVE A GOAL
HAVE A PLAN
combination of: 
behavior
experience
personality
drive

              beliefs + attitudes + actions + motivation
feel:
ACCOUNTABLE
have:
GOALS
ROUTINES
DISCIPLINE 

use:
TOOLS
PROCESS 
COMMUNITY
ITS EASY, 
     RIGHT?
WHY ARENT PEOPLE!
FINANCIALLY RESPONSIBLE?
need vs. want




   splurges!   necessities!   wants!
infographic source: lifetuner!
I spend what I deserve;
not what I earn
its hard




              YOU'D PREFER TO STAY
                STUPID RATHER THAN
             LEARN SOMETHING NEW.


                          having the wrong mindset is keeping you poor!
                                               business insider, 11-2011!
Insights from Conversations with Financial Consumers
its america




                 debt
           is normal
i dont know what
         to do
I KNOW 
 WHAT TO DO.
i cant.
    
i wont.
so, what	
 


               them?
mint, manilla and yodlee!
chains.cc!
my 鍖tness pal!
nest!
avocado!
hello wallet!
Insights from Conversations with Financial Consumers
thank you!
    
 @monapatel

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Insights from Conversations with Financial Consumers