hmtoggle_arrow1Points to Cover:

Illustrate the Spender using the Personal Economic Model visual.
hmtoggle_arrow1Example Script:

The Spender typically lives their financial life below the zero line. They spend 100% of their monthly income focused only on today's lifestyle needs. The spender has no collateral and their only option for major purchases is utilizing credit. The spender borrows and pays back with interest.
hmtoggle_arrow1The Math:

No math presented on this screen.

On-Screen Video Training