Across
- 4. To optimize the benefits of a credit card, regularly compare credit card offers, pay as much of your ____ as possible as soon as possible, and avoid paying your bill late.
- 5. People who are smart have common habits. One good habit is to tell a ____ about your goals. 76% (the highest percentage) of people who did this accomplished their goal.
- 11. The percentage distribution of annual household ____ (the total amount of money earned by all individuals residing in a single home) is highest between $100-150,000 a year.
- 13. $1 million will only buy a person 358 square feet of space in this US city (combine the two words… don’t include the space).
- 15. Lower-income earners ____ more than middle and higher-income earners about things such as paying their bills, amount of debt, and losing their job.
- 18. ____ Choices (including phone, pets, hobbies, shopping, & more) are the last things you should buy in your budget, making up no more than 30% of income.
- 20. Based on the 50/20/30 Rule, ____ expenses such as housing, transportation, and utilities should make up no more than 50% of your income.
- 21. A ____’s price is affected by short-term market fluctuations, while its value is measured by items such as financial statements and market analysis.
- 22. According to the Occupational Requirements Survey, the majority of civilian workers must have cognitive and mental requirements that involve varying work ____.
- 23. Regarding buying a car, the ____ category reflects a credit score range of 661-780. The majority of financing given on loans and leases (highest % in the column) falls in this category.
- 24. If you invest $360 per month starting at age 20 (earning a 6% ____ rate), you will have $1 million at retirement (notice how much this jumps the longer you wait to start).
- 25. You start with no credit score. After ____ months of on-time payments, your credit score will be 500.
- 27. The perception of 1,000 adults is that 19% of US households earn more than $500,000 a year. However, the actual percentage that earns $500,000 a year is ____%.
- 29. You should create one of these to compare income versus expenses.
- 30. Once you’ve found a house you like, you begin a lengthy 1-2 month+ long paperwork process, which involves financial ____checks, job/income data, property inspection, and more.
- 31. ____ is one of the three credit bureaus that track your financial decisions and develops your credit score (i.e. FICO score).
- 32. ____ history makes up 35% of your credit score (the largest portion).
- 33. $100,000 of income, after being adjusted for cost-of-living and taxes, goes least far in this city.
- 38. The return on a college degree has more to do with your field of study (i.e. your ____) than where you go to school.
- 39. One of the factors of creditworthiness includes your ____ to pay (i.e. Do you keep a steady job?)
- 43. Owning a car involves many expenses. One item is about 10% of all expenses for a car owner (over 5 years of owning a car). For an 18-year-old on their own, the national average can be over $5,000 a year.
- 45. Perhaps the greatest employee motivator involves cultivating this sense.
- 49. Hawaii is the hardest state to ____ money (PA is ranked 18th).
- 50. As a savvy consumer, a person should include planning to set goals, create a budget, save for emergencies, and anticipate ____.
- 53. The term for a person who falls under Unacceptable Employee Behavior… a master procrastinator who can come up with plenty of excuses as to why a task or project hasn’t been started.
- 54. Compared to savings accounts and bonds, this investment tool earns you the largest return on investment.
- 55. The cheapest pet to own at $35/year.
- 56. A person with a credit score over 800 would receive a ____ APR for their auto loan.
- 57. Going over $18 trillion in debt in Q1 of 2025, most American debt is spent on a ____ (not a surprise, this is the most expensive item in the typical American’s budget)
- 58. In 2022, the gender ____ gap shows that a woman earns 82% of a man’s wage for all workers over age 16.
- 59. You have to work over 100 hours in a month just to pay a mortgage in this city.
- 61. Generation X has the highest average credit ____ debt.
Down
- 1. According to the Bureau of Labor Statistics, among recent high school graduates 16-24 years of age, more women than men are ____ in college.
- 2. Nearly 80% of all jobs are acquired through ____.
- 3. According to the Occupational Requirements Survey, the required “____, Training, and Experience of Civilian Workers” for the majority of jobs is a high school diploma.
- 6. If you start with $1 million when you retire and add social security, the money will last you 53 years in this state (compared to just 12 years in Hawaii).
- 7. The average cost of this child-rearing expense is over $1,100/month in Pennsylvania.
- 8. This field (i.e. major area) had the highest number of bachelor’s degrees conferred.
- 9. The higher the price ____ number for a given state, the more residents will pay for items such as housing, food, and transportation. (PA is in the midrange)
- 10. While money motivates many employees, ____ from a manager is the highest-rated motivator at 67%.
- 12. A person with a bachelor’s in this field/category is likely to start around $65,000/year on average.
- 14. You should always pay more than the ____ payment on your credit card.
- 16. As you develop a budget and make spending decisions, it is easier to alter ____ expenses to shift money where you need it.
- 17. ____ and mathematical occupations sit the most at work (compared to other occupations).
- 19. People, regardless of country, spend most of their time during the day doing this.
- 25. #6 on the blank check
- 26. Over a one-month period, investors have a 39% chance of ____. This drops to 0.1% across 20 years, demonstrating that the longer you invest, the better your chance of gaining.
- 28. A 401(k) is a retirement tool offered by some ____.
- 34. When choosing a credit card, it’s a safe bet to choose a card with the lowest ____.
- 35. One of the important people and management skills of fast-growing occupations is ____.
- 36. The average loan rate for a person with a credit score between 300-500 who buys a used car is over ____%.
- 37. To earn 1 ____ dollars, it takes a person with a bachelor’s degree 15.4 years, but it takes a person with less than a high school diploma 32.4 years.
- 40. Based on the Family Budget Map by the EPI, it costs over $8,500/month for a 2-parent, 2-child family in ____ County, PA to attain a modest, yet adequate standard of living.
- 41. Of the 50 metro areas referenced, this city requires the lowest annual salary to buy a home.
- 42. This state has the lowest Median Household Bank Balance, over $10,000 less than Pennsylvania.
- 44. Writers, Tax Preparers, Mathematicians, and Accountants are some of the jobs with high ____ to ChatGPT (i.e. most likely to be impacted).
- 46. Consider buying a ____ car when your income is lower and because cars depreciate quickly.
- 47. After taxes and a cost-of-living adjustment, a $100,000 salary gets a person the farthest in Memphis, but not very far in ____ (combine the two words… don’t include the space).
- 48. This is one of the eight most useful college degrees employers are always looking to hire.
- 51. Just because you can get credit doesn’t mean you should ____ it.
- 52. “On-time payments” and “Oldest Credit Line” are two factors evaluated to calculate your credit ____.
- 60. The ____ of saving is more important than the amount.