Every year the United States Federal Reserve Board conducts a survey to gauge the public’s financial health. “a number of adults still indicate that they are experiencing financial challenges” (BOG, 2016). Here is a highlight of the problems faced by many:

47% could not cover an emergency expense costing $400.
31% put off medical care because they could not afford it.
20% spend more than they make
37% do not save money
32% cannot qualify for a credit card
44% that have a credit card carry a balance
20% have no bank account
23% have student loans
31% have no retirement savings or pension

I have a solution. I would like to give you a financial tool to get started solving your money problems. When you request the financial tool you will also receive regular information to help you better control your finances. Sign up for your free financial tool here


Thank you,

Van Richards

Board of Governors of the Federal Reserve System. (2016). Report on the economic well-being of U.S. households in 2015.