This last year has seen a big change in the rules because of Covid. Many families have lost jobs or had incomes cut. There has been a worldwide downturn. This is something that has not happened in all of history. This has cut spending in many industries. Because of the shutdown, the travel industry has been greatly impacted, with hotels losing over 40% of their jobs. Then there is a shortage of parts needed to make cars that are crippling the auto-making industry. 

Many people are more aware than ever before that they can lose their job. Some people have become more dependent on the government to have their needs met. I mean how many of you spend the Covid money that the government sent out? We now know that our country can be shut down. This is been the sharpest and quickest slowdown since the depression. This situation with record economic stimulus measures and the reduction in spending does not appear in any textbook nor has it been taught in any school.

What are the emotions that come up when you think of personal finance? Is it fear and overwhelm? You can change your future. We are going to go over these rules today. 

So today we are talking about the set of financial rules you play by. This last year has seen a huge downturn. Many people that thought they had “good jobs” have found themselves unemployed. No, it doesn’t just ask someone like me that got a bachelor’s degree in sociology, psychology or someone that got a degree in theatre arts. Did you get an education in the effective use of money? Or how about how to invest? Not likely.

So, for this new time in history what are the rules you need to live by to be successful?

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