Money Smart Week

April 17 - 21, 2023

This week-long event aims to help participants build their financial literacy. Join us for virtual and in-person sessions to learn how to better manage your money and navigate your personal finances.

Free and open to students, students’ friends and family, faculty, and staff.

Follow Us!

Follow Palm Beach State on social media during Money Smart Week for daily money saving tips.

#PBSCmoneysmartweek #MoneySmartWeek

Ask a Banker & College Resources Tabling Event

Wednesday, April 19
Noon - 3pm

In person at the Lake Worth Campus, breezeway outside the Cafeteria and Student Activities Center | Interactive Map

Visit us on your way to the Field Day to meet with staff from local banks and credit unions at our “Ask a Banker” tables. Palm Beach State representatives will be there to share financial aid information, scholarship opportunities, tutoring resources, library information, and other cost-saving tips and resources to help you in college and beyond.

Money Smart Week 2023 Sessions and Events

Come join the fun and build your financial literacy at in-person and virtual events

Please note: This content is for informational purposes and is general in nature; as such, it is not a substitute for professional financial services. Consult with a professional aware of your objectives, financial situation and needs when making financial decisions.

Moday, April 17

Presentation and event information for Monday, April 17, 2023
Time	Location/Registration Link	Presentation Description	Presenter
12:30-2pm	In Person and Virtual Event LGA 139 Loxahatchee Groves Campus map Register to attend in person Virtual Link	Mind Your Business Mondays Trends have and are changing regarding-traditional employment, inflation, housing, generational wealth disparities, and personal accountability; this vital topic is more valuable than its weight in gold. As we know being effective with your money and managing debt is not always the topic of excitement especially when everyone around you is living “The Glamorous Life- Shelia E” and living their BEST Life via Instagram. COUNTDOWN--- I CAN’T WAIT TO SAVE YOU MONEY!!!!! Doing What You Love While You Earn Don’t Use “The B- Word” Around Me- BUDGET! Responsible Spending-Delayed Gratification Protect Your Investment	Eugene Spann (A Palm Beach State Hosted Event)
2 - 2:30pm	Virtual Event Register	Family Budgeting Budgeting is not just a matter of making a spending plan and cutting expenses. It’s important to set goals for where you want your money to take you. Motivation is important for adjusting behavior to see real results. Attend this session to: Review recommended guidelines for an effective budget Learn how to assess the unique spending needs of your family Let your vision for the future guide your weekly budget Leave the session with access to information and resources that make it easier to manage your family’s budget, courtesy of the University of Arkansas System, Division of Agriculture	University of Arkansas System (National Money Smart Week Hosted Event)

Tuesday, April 18

Presentation and event information for Tuesday, April 18, 2023
Time	Location/Registration Link	Presentation Description	Presenter(s)
9:30-10:30am	Virtual Event Attend via Zoom	How to Put Money W.O.E.S. (Wise Options for Economic Success) to Work Learn how to put money to work using a Blues music analogy.	Professor Lawanna McCoy (A Palm Beach State Hosted Event)
10-11am	Virtual Event Register	FAFSA Workshop This workshop will discuss the process of the Free Application for Federal Student Aid (FAFSA).	Palm Beach State Financial Aid (A Palm Beach State Hosted Event)
11am-12pm	In Person and Virtual Event CRA 101 Lake Worth Campus map Attend via Zoom	Relevance of Culture in Personal and Business Finances The biggest learning opportunity for an immigrant in the USA is understanding the best practices in handling finances. During this session, we will uncover the importance of the Cultural element, and learn some actionable ideas on improving our finances.	Hispanic Entrepreneur Initiative (A Palm Beach State Hosted Event)
12-1pm	Virtual Event Register	Credit 101 We will discuss credit basics: What factors affect your score, how do financial institutions use it, and how does a good score help you reach your financial goals, whether you are a student just beginning your financial journey, or someone looking to reach their financial goals more quickly	iTHINK Financial (A Palm Beach State Hosted Event)
1-2pm	In Person and Virtual Event CRA101 Lake Worth Campus map Attend via Zoom	Scholarships 101 Whether you’re still in high school, just graduated, or already at college, you’ve definitely heard the word “scholarships” thrown around constantly. But, what is a scholarship, exactly? What types of scholarships are right for me? Do I need a scholarship to apply to college? And how do I get the scholarship I’m looking for? Join Financial Aid representative Ashley Cadena to learn how to search for scholarships and submit a successful application	Palm Beach State Financial Aid (A Palm Beach State Hosted Event)
2-2:30pm	Virtual Event Register	Instituciones Financieras (Financial Institutions) Presented in Spanish with English subtitles En su presentación, Vanessa Arita Reyes destacará por qué es importante investigar y tener conversaciones sobre los sistemas financieros en las comunidades en las que vivimos. Vanessa compartirá sus principales razones para aprender sobre las instituciones financieras, que incluyen: Orientarse en el sistema financiero a través de las herramientas y los recursos disponibles Comprender cómo funciona el crédito, los informes de crédito y el sistema de crédito Proteger la información personal para evitar ser víctima de estafas Durante esta presentación, el Departamento de Instituciones Financieras (DFI) del Estado de Washington se centrará en la importancia de conversar sobre el dinero y las finanzas. Las conversaciones pueden usarse como una herramienta para abordar el desafío de que comprender la industria financiera puede ser complicado, incluso cuando usamos nuestra lengua materna, lo cual puede incrementar las desventajas que las personas que no hablan inglés experimentan en los EE. UU. Asista a este seminario para aprender a tener y dirigir conversaciones sobre instituciones financieras y finanzas personales, mientras analiza fuentes de información para tomar las mejores decisiones para su situación particular.	Washington State Department of Financial Institutions (National Money Smart Week Hosted Event)

Wednesday, April 19

Presentation and event information for Wednesday, April 19, 2023
Time	Location/Registration Link	Presentation Description	Presenter
11-12pm	BR118 Palm Beach Gardens Campus map	Better Money Habits Lunch and Learn Join Bank of America Preferred Market Leader Robin Frost to learn about budgeting, savings and the importance of good credit. Lunch will be provided at this event, co-hosted with Gardens Student Activities	Bank of America (A Palm Beach State Hosted Event)
12-3pm	Cafeteria/SAC Breezeway Lake Worth Campus	"Ask a Banker" and College Resources Tabling Event Visit us on your way to the Field Day to meet with staff from local banks and credit unions at our “Ask a Banker” tables. Palm Beach State representatives will be there to share financial aid information, scholarship opportunities, tutoring resources, library information, and other cost-saving tips and resources to help you in college and beyond.	(A Palm Beach State Hosted Event)
2-2:30pm	Virtual Event Register	Debt Relief Financial products can be complex and confusing. Fear of sinking further into debt can leave consumers paralyzed. Worse still, hastily made decisions fueled by stress and urgency can lead to disaster. Regain control by attending this session in which the National Foundation for Credit Counseling will: Bring clarity to the complex landscape of debt-related financial products Outline popular options to affordably repay debt Teach patience and informed decision making when debt feels overwhelming Leave the session with an understanding of the steps involved for proper debt management and the pitfalls that could set you back.	National Foundation for Credit Counseling (A National Money Smart Week Hosted Event)
3-4pm	In Person and Virtual Event CRA101 Lake Worth Campus map Attend via Zoom	More Than Books: Free Stuff You Can Get from Libraries John Librarian and Professor Janet Naughton to learn all the resources available at our Palm Beach State, County, and Municipal libraries.	Janet Naughton, Faculty Librarian (A Palm Beach State Hosted Event)
6-7pm	Virtual Event Register	FAFSA Virtual Workshop Join us to complete your FAFSA Application. The TRiO Educational Opportunity Center is here to answer any questions regarding FAFSA (Federal Student Aid) and to complete any pending applications.	Palm Beach State TRiO EOC (A Palm Beach State Hosted Event)

Thursday, April 20

Presentation and event information for Thursday, April 20, 2023
Time	Location/Registration Link	Presentation Description	Presenter
10a-2pm	Amphitheatre Palm Beach Gardens Campus map RSVP	Earth Day Celebration Learn from local environmental community partners how to reduce spending and conserve resources, which protects your pocket and helps the planet! This is the biggest event at the Gardens campus and a perfect time to relax before the semester ends. Free food, fun activities, a live band, and giveaways!	Palm Beach Gardens Student Activities (A Palm Beach State Hosted Event)
11a-12pm	In Person and Virtual Event CRA101 Lake Worth Campus map Attend via Zoom	Saving/Budgeting Join JP Morgan Chase Community Manager Debbie Rahamim to lean how to budget and save towards your goals. This workshop is targeted for young adults looking to begin their financial journey, but the content is relevant to all!	JP Morgan Chase (A Palm Beach State Hosted Event)
2-2:30pm	Virtual Event Register	Employer Retirement Plans Whether self-employed, underemployed, or working for an organization of any size, it’s important to know the paths available to secure your financial future. In this session the U.S. Department of Labor, Employee Benefits Security Administration will: Provide information on common retirement plans seen across employers Weigh the pros and cons of various retirement paths available Help define what a secure retirement looks like for you and your future Leave this session with confidence in understanding the steps involved for securing your financial future and action items to take with your employer.	US Department of Labor, Employee Benefits Security Administration (A National Money Smart Week Hosted Event)
3-4pm	Virtual Event Register	FAFSA Workshop This workshop will discuss the process of the Free Application for Federal Student Aid (FAFSA).	Palm Beach State Financial Aid (A Palm Beach State Hosted Event)
3-5pm	Virtual Event Register	Career Center Virtual Drop-in Hours Same day virtual Career Advising. No apointment is necessary!	Palm Beach State Career Center (A Palm Beach State Hosted Event)

2022 Recordings

Recordings of the 2022 Money Smart Week Presentations
Location/Registration Link	Presentation Description	Presenter
Watch Presentation	The Housing Affordability Crisis in South Florida: A Panel Discussion on its Impact and the Economic Landscape This forum will discuss the most salient issues impacting affordable housing nationwide and its implications for families in South Florida. Hear from community experts who grapple with these issues as they evaluate possible solutions. In addition to the panel discussion, a list of resources will be available on our website.	District Diversity Council (A Palm Beach State Hosted Event)
Watch Presentation	Navigating Economic Challenges The aim of this presentation is to increase awareness of the economic realities students face, reinforce and build students’ financial literacy, and inspire students to advocate for themselves and others. PBSC Alumni Patricia Medina and Brad Williamson and PBSC Professor Dr. Chandra, who will share their personal experiences navigating the financial situations they faced in their own successful careers.	Professor S. Chandramohan, Palm Beach State Bradley Williamson, PBSC Alumnus Patricia Medina, Esq., PBSC Alumnus (A Palm Beach State Hosted Event)
Watch Part 1 Watch Part 2	What’s Your Money Habitude? Do you know your money habitude? Prof. Ann McLaughlin will host an interactive discussion on the money habitudes. You will discover your habit while employing tips to make better financial decisions.	Professor Ann McLaughlin, EA, MBA, MAcc (A Palm Beach State Hosted Event)
Watch Presentation	Scholarships 101: Funding Your Future Whether you’re still in high school, just graduated, or already at college, you’ve definitely heard the word “scholarships” thrown around constantly. But, what is a scholarship, exactly? What types of scholarships are right for me? Do I need a scholarship to apply to college? And how do I get the scholarship I’m looking for? Join Financial Aid representative Ashley Cadena and SLC Learning Specialist Marc Fedderman to learn how to search for scholarships, submit a successful application, and write a stellar personal statement.  Topics covered: 1. Scholarship Basics 2. Applying for Scholarships 3 Writing a Powerful Personal Statement 4. Congratulations you have been awarded! What Next?	Financial Aid and Student Learning Center (A Palm Beach State Hosted Event)
Watch Presentation	Introduction to Investing and Personal Finance Learn about setting financial goals, the importance of credit, good vs bad debt, spending best practices, and how to begin investing for your future. Ask a Wealth Management/Investment specialist any questions you may have.	JP Morgan Chase (A Palm Beach State Hosted Event)
Watch Presentation	Low Cost/No Cost: A Discussion on Affordable Course Materials The rising costs of textbooks effects everyone. Join PBSC faculty to learn more about open educational resources and discuss the movement to create more affordable and accessible course materials.	College Affordability Task Force (A Palm Beach State Hosted Event)
Watch Presentation	Realize Your Dream: Steps to Starting a Small Business in Florida There are many good reasons to start a business in Florida. The state’s government keeps regulatory requirements and business taxes low. There is no personal income, capital gains, or death taxes. While Florida is a great place to start a business, the process can be time-consuming. This presentation outlines the most common steps for new businesses in Florida. While these are the most common steps to take, if you are considering opening a new business, you should consult your legal and financial advisors to guide you through the process.	Professor George Charles (A Palm Beach State Hosted Event)
Watch Presentation	Relevance of Culture in Personal and Business Finances The biggest learning opportunity for an immigrant in the USA is understanding the best practices in handling finances. During this session, we will uncover the importance of the Cultural element, and learn some actionable ideas on improving our finances.	Hispanic Entrepreneur Initiative (A Palm Beach State Hosted Event)
Watch Presentation	Social Security: Understanding Retirement, Spouse and Survivor Benefits Social Security touches the lives of every American and is a vital part of any financial plan. Securing today and tomorrow starts with being informed. In this session, you will: - Learn the entitlement factors for retirement, spouse, ex-spouse, and survivor benefits. - Gain an understanding of the options to start benefits at various ages and the effect of wages on them.  - Expand your knowledge of Social Security’s online tools and resources.	Social Security Administration (A National Money Smart Week Hosted Event)
Watch Presentation	Purchasing a Home 101 Learn the important steps needed to build towards home ownership. Reasons for home ownership, how your credit will affect your loan, types of mortgages, and much more. Also learn about special program Chase has to assist with home buying. You will also be able to ask questions of the 2 home lending experts.	JP Morgan Chase (A Palm Beach State Hosted Event)
Watch Presentation	Creating Your Financial Foundation: Budgeting, Saving and Credit — Where Do I Start? Managing your budget can help you cover expenses with less stress, more easily pay down longer-term debt like a school loan or mortgage, and save for future financial goals. If you’re one of the 38% of Americans who don’t have a budget – or you just haven’t looked at yours in a while – this workshop has strategies that can work for you. Learn how to find a budgeting tool you like, integrate savings into your budget, maximize your 401(k) and borrow responsibly.	PNC Bank (A Palm Beach State Hosted Event)
Watch Presentation	Becoming a Business Owner & Maintaining a Small Business Learn about becoming an entrepreneur and starting your own business. Things to consider and steps to take. Also, learn about JPMorgan Chase’s program for existing businesses. Or ask a small business banker any questions you may have.	JP Morgan Chase (A Palm Beach State Hosted Event)

Personal Finance & Financial Literacy Learning Path

LinkedIn Learning Path

Complete this 3.5 hour learning path in LinkedIn Learning to boost your financial literacy. Students who complete this path by August 8, 2023, will be entered into a drawing for a $150 bookstore gift card.

Learning Path Topics: