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FINANCIAL ADULTING TOOLKIT
All the tools and resources mentioned in the Financial Adulting book.
Preface
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Resources: Learn more about antisemitism
Chapter 2 - Equity and Money
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List of experts I interviewed for the book (and links to follow!)
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Resources: History of the racial wealth gap and how we can help close it
Chapter 4 - ALL ABOUt income
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Template: Your financial plan*
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Resources: Know your market rate research
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Template: Your success log
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Resources: History of the gender wage gap and how we can help close it
Chapter 5 - Your Money Outflows
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Template: Money journal
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Template: Sinking fund tool*
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Resource: Favorite high yield savings accounts
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Resource: The 30-Day Money Cleanse book (to decrease spending)
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Template: Commission calculator*
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Template: Net worth tracker*
Chapter 6 - Consumer Activism
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Resources: How does your bank stack up? (see consumer activism research link below)
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Resource: How to open a bank account, step-by-step
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Resources: Consumer activism research
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Resources: Non-profit research
Chapter 7 - Work Optional
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Resources: Retirement resources for teachers
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Calculators: Our favorite retirement calculators:
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Resources: Index funds vs. ETFs (learn the nuance)
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Calculators: Asset allocation quizzes
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Resources: Stock options 102
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Tools that require an account:
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Chapter 8 - Investing
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Resources: Find and research a financial professional
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Resources: Favorite ESG funds and ways to research ESG funds
Resources: Impact investing
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Resources: Brokerage accounts
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Calculator: Asset allocation calculators (see chapter 7 resources)
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Resources: 529 qualifying education expenses (search “qualified education expenses”)
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Calculator: Cost of college calculator
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Calculator: Compare student loan pay down vs. investing
Chapter 9 - Buying a Home
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Template: Create your home buying budget*
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Calculator: Closing costs
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Resources: Mortgage checklist
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Calculator: Debt-to-income ratio
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Calculator: Amortization calculator
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Calculator: Pay down mortgage vs. investing
Chapter 10 - Insurance
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Resource: Homeowners insurance cost by state (and general guide)
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Resource: Car insurance cost by state (and general guide)
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Calculator: Life insurance calculator
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Resource: Life insurance price by state (uses real-time rate data)
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Resources: For online insurance - Policygenius and Insure
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Resource: Qualifying dependent care FSA expenses
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Resource: Long-term care insurance
Chapter 11 - Tax Basics & Estate Planning
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Resource: IRS W-4 Questionnaire
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Resource: Common tax credits
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Resources: Directions for living will and healthcare proxy
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Download the forms for your state here (they will download automatically)
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OR search for your state website (google “health directive forms [your state]” or “healthcare proxy [your state]”). For example, here are New Jersey forms
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Resource: Will guide
Chapter 12 - Your Credit Score
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Resources: Pull free credit reports - Annualcreditreport.com
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Resources: How to remedy errors on credit report (sample letter a and sample letter b)
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Resources: Credit boosting services -
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Resources: Credit score help -
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Calculator: Credit score simulator
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Chapter 13 - All About Debt
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Calculator: How much are you paying in interest? (option 1 and option 2)
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Template: Debt tracker*
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Template: Are credit rewards worth it?*
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Template: Cash tracker*
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Calculator: Student loan refinancing calculator (option 1 and option 2)
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Template: Lease vs. buy a car* (+ article)
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Resources: Car prices - Kelly Blue Book
Chapter 14 - Become Your Own Financial Coach
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Resource: Money party playlist -
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Playlist on Spotify (+ the clean version) and on Apple Music (+ the clean version).
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Resource: Money party checklist
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Template: Goal tracker template*
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Resource: Join the Fiscal Femme Money Club
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Resource: Get the Money Musing newsletter
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Resource: Follow @thefiscalfemme on Instagram, Twitter or Facebook
*The Google Sheets are in “view only” mode. Press “File” and “Make a Copy” to make them your own.