"Collectively as a society, we need to make it a priority to overcome our intimidation with money. We need to exercise more restraint with credit. We need to be mindful of the future we want to have and take saving seriously. We must practice fundamental behaviors like budgeting, establishing an emergency fund, understanding products from our financial institutions before we sign and having a plan that will help us achieve our financial stability."  

                                                                           Ted Beck President and CEO,

                                        National Endowment for Financial Education