Credit Cards
What is the number 1 rule of owning credit cards?
(a) What is get as many cards as possible for better credit
(b) What is always pay on time and in full
(c) What is don’t own a credit card to stay debt free
While having more than one card can help manage credit utilization and improve your credit mix, it is not essential to carry multiple cards to build credit
Always pay on time and in full
Responsible use of credit cards can actually help build a positive credit history and improve your credit score.
Employees who contribute at least 6% of their pay to an AT&T 401(k) can receive up to this percentage in company matching contributions.
What is 7%
Match of 133% on the first 3% + 100% on the remaining 3%
What is a good amount for an emergency fund?
What is 3-6 months worth of expenses
3 months covers essentials like housing, food, and utilities. 6 months is more secure and is good for unstable income.
AT&T employees can receive this discount off most wireless plans
What is 50% off
What is the recommended monthly utilization percentage?
What is 30%?
Maintaining a low but nonzero credit utilization is crucial for credit health. Aim for 4% to 10% for optimal scores, keep it under 30% to avoid negative impacts, and manage balances responsibly to maximize your creditworthiness
An investor owns 50 different stocks across many industries. What investing concept are they using?
What is diversification
Investment diversification is a strategy of spreading investments across different assets, industries, and regions to reduce risk and optimize long-term returns.
What type of budget is created when planned income is equal to planned expenses, so there is neither a surplus nor a deficit?
Balanced Budget
For example, in a household budget, it means your planned income from wages, investments, or other sources exactly covers your planned expenses for rent, groceries, utilities, and other costs
Through the Wellbeing Rewards program, AT&T employees can earn up to this amount annually by completing eligible wellness activities
What is $750
Someone get up here and list all features of your credit card
*person comes up and lists features of their credit card of their choice*. (the point is to always know what your card provides you and how you can most utilize it)
This account is often called the only "triple tax-advantaged" account because contributions are tax-deductible, growth is tax-free, and qualified withdrawals are tax-free.
What is an HSA (Health Savings Account)
Roleplay: You just received your paycheck. How should you divide your money? Explain your reasoning (bonus points for something revolutionary)
vibes or 50/30/20
The 50/30/20 budget is a simple framework that divides your after-tax income into 50% for needs, 30% for wants, and 20% for savings and debt repayment.
Why might an intern benefit from opening an AT&T 401(k) during their internship rather than waiting until they begin a full-time role?
Internship time can count toward AT&T's 3-year vesting period, helping you become vested in company matching contributions sooner.
What is one reason why someone shouldn’t cancel their first credit?
Your first credit card is your oldest, which when cancelled will shorten your credit history and lower your credit score significantly
For a single filer, this modified adjusted gross income (MAGI) is the maximum amount you can earn and still make a full direct Roth IRA contribution
What is $153,000
Roleplay: 2 people. One is a financial advisor and another is someone from TDP. The TDP has no emergency money and needs to cover an unexpected expense. Talk to the financial advisor about setting aside funds for emergencies.
vibes
Employees who carry an American Express Corporate Card may be eligible for this annual statement credit on select personal American Express card annual fees.
Gold (200 pts): ???
Platinum (200 pts): ???
$100 of Gold
$150 of Platinum
What is the Chase 5/24 rule?
The Chase 5/24 rule means you will be denied for most Chase credit cards if you’ve opened 5 or more personal credit cards from any bank in the past 24 months. Notes: Important to keep this in mind when applying for Chase credit cards, since a lot of them are pretty good. Being automatically denied a Chase card can hinder your credit card strategy
According to AT&T's Q2 2026 earnings release, the company plans to maintain its annualized dividend at this amount per share (Answer within $0.10)
What is $1.11 per share
These two popular debt repayment methods differ primarily in whether a borrower prioritizes interest rates or account balances.
Debt Avalanche or Debt Snowball
Name all nine company-recognized holidays provided to employees.
What is:
(1) New Years Day
(2) MLK Day
(3) Presidents Day
(4) Memorial Day
(5) Independence Day
(6) Labor Day
(7) Thanksgiving Day
(8) Day after Thanksgiving
(9) Christmas Day