Across
- 1. People, regardless of country, spend most of their time during the day doing this.
- 4. 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.
- 6. On the colorful chart with salaries ranging from $0 to over $200,000 on the horizontal axis, the career on the chart that has the highest earnings (including 10th to 90th percentiles) is ____.
- 8. Going over $17 Trillion in debt in 2023, most American debt is spent on a ____ (not a surprise, this is the most expensive item in the typical American’s budget)
- 11. Of the majors that are switched out the most, the major Earth and ____ Science ranks in the top 5 for men and women.
- 12. You start with no credit score. After ____ months of on-time payments, your credit score will be 500.
- 15. 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)
- 16. Compared to savings accounts and bonds, this investment tool earns you the largest return on investment.
- 21. When choosing a credit card, it’s a safe bet to choose a card with the lowest ____.
- 23. The ____ of saving is more important than the amounts.
- 24. A person with a credit score over 800 would receive a ____ APR for their auto loan.
- 25. ____ 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.
- 28. 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.
- 29. You should create one of these to compare income versus expenses.
- 30. You have to work over 100 hours in a month just to pay a mortgage in this city.
- 32. Just because you can get credit doesn’t mean you should ____ it.
- 34. Lower-income earners ____ more than middle and higher-income earners about things such as paying their bills, amount of debt, and losing their job.
- 38. College seniors feel good about their ____, despite the mismatch between college seniors’ majors versus what employers are seeking. Regardless, more than 90% of seniors feel good about their interview skills.
- 39. 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).
- 41. As a savvy consumer, a person should include planning to set goals, create a budget, save for emergencies, and anticipate ____.
- 43. Fewer than 20% of young people (21-24) have a ____ degree. (15.4% of men & 20.6% of women)
- 44. “On-time payments” and “Oldest Credit Line” are two factors evaluated to calculate your credit ____.
- 47. #6 on the blank check
- 48. According to the National Occupational Employment Estimates, Office & ____ makes up the highest percentage of workers (13%), but are ranked 15th in average annual wages at ~$46,000.
- 50. The majority of Americans (16.5%) earn between $50-75,000 a year, while only about 10% of workers’ annual ____ is over $200,000 per year.
- 53. Based on the 50/20/30 Rule, ____ expenses such as housing, transportation, and utilities should make up no more than 50% of your income.
- 54. Nearly 80% of all jobs are acquired through ____.
Down
- 2. Of the 50 metro areas referenced, this city requires the lowest annual salary to buy a home.
- 3. The term for a person that 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.
- 5. A 401(k) is a retirement tool offered by some ____.
- 7. One of the factors of creditworthiness includes your ____ to pay (i.e. Do you keep a steady job?)
- 9. At 34.8 years, $1 million lasts the longest in retirement in this area of the country.
- 10. $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).
- 13. According to the Occupational Requirements Survey, the majority of civilian workers (nearly 8/10) will have ____ with the general public.
- 14. ____ history makes up 35% of your credit score (the largest portion).
- 17. ____ enrollment of recent high school graduates aged 16-24 years old is down to 61.8% in 2021, which hasn’t been this low since 2001.
- 18. ____ and mathematical occupations sit the most at work (compared to other occupations).
- 19. ____ workers tend to be younger, are majority women, and are more likely to live in poverty and have Medicaid.
- 20. As you develop a budget and make spending decisions, it is easier to alter ____ expenses to shift money where you need it.
- 22. While money is a motivator to many employees, ____ from a manager is the highest-rated motivator at 67%.
- 24. 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 to gain.
- 26. According to the Occupational Requirements Survey, the required “____, Training, and Experience of Civilian Workers” for the majority of jobs is a high school diploma.
- 27. The cheapest pet to own at $35/year.
- 30. The return on a college degree has more to do with your field of study (i.e. your ____) than where you go to school.
- 31. Perhaps the greatest employee motivator involves cultivating this sense.
- 33. Writers, Tax Preparers, Mathematicians, and Accountants are some of the jobs with high ____ to ChatGPT (i.e. most likely to be impacted).
- 35. In 2022, the gender ____ gap shows that a woman earns 82% of a man’s wage for all workers over age 16.
- 36. 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.
- 37. 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.
- 40. 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.
- 42. Consider buying a ____ car when your income is lower and because cars depreciate quickly.
- 45. 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 ____%.
- 46. You should always pay more than the ____ payment on your credit card.
- 49. If you save/invest $360 per month 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).
- 51. ____ is one of the three credit bureaus that track your financial decisions and develops your credit score (i.e. FICO score).
- 52. On a $36,000 loan, a single ____ point increase in the interest rate can add nearly $2,500 in interest paid on the loan.