Survive (50%)
This is typically the biggest expense in your life and how can you save on it?
What is housing? Group share ways to save including the house hack :)
This is the non-DIY form of groceries and often can be one of the largest expenses in this category.
What are restaurants and coffee shops? Discuss ways to save - deals and takeout
This is the most basic account you need to pay your bills.
What is a checking account? Discuss the need for an easy access account without min. or fees with free checks and ATMs
What can you get at the library besides books?
Movies, music, park passes, discount tickets, board games, camping gear, video games
This is the most expensive way to get around and often a depreciating asset (looses value over time). What are some ways you can save.
What is a car? Share buying tips (20/3/8 rule) when ready for your first purchase and go for reliability over luxury.
This category is the monthly add-on to your life that makes everything "better"
What are streaming and subscriptions? Share ways to reduce (like rotating) and cutting back
This is a form of saving that has the lowest risk and can cover you in time of need.
What are savings accounts? Discuss HYSA and the 3-6month emergency fund
Share ways to get second hand items.
What are social groups? Buy nothing group, fb marketplace, etc.
This category is essential for giving you life and this form is for the DIYers of the world.
What are groceries? Discuss ways to save and maintain a healthy diet.
This is category accessorizes your lifestyle and look.
What is fashion, apparel, and beauty? Discuss ways to save and the potential diminishing return of multiples.
This is a taxable account that you can invest in and sell anytime without restrictions.
What is a brokerage account? Can be used for stocks, bonds, etc. Discuss power of passive index funds (ETFs / Mutual funds)
It's my birthday, these are the best thing's I've gotten from stores/restaurants.
Group share
This category protects you from when things go wrong.
What is insurance? Discuss ways to save on home, car, health...Shop around!
This category is local experiences you do outside of work either by yourself or with friends.
What are hobbies and entertainment? Discuss low cost hobbies or ways to save.
This category of accounts are typically available after you turn 59.5 but can be accessed earlier.
What are retirement accounts? Discuss Roth vs Traditional. Can cover IRA, 401k, 403b, 457b
If you work at an employer, they will give you free money if you contribute to this.
What is a matching retirement account? Never turn this down!
This spending category is monthly collection of various services and fluctuates with usage.
What are utilities? Trash, water, gas, electricity, internet and cell.
What is travel? Discuss examples of travel hacks
This category doesn't grow your net worth and is important to tackle.
What is debt? Discuss student, car, home, and worst of all credit card/personal loan
Advanced topic - credit card points
If you master the concept of credit cards, share great values