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financial-literacy-studentsBy Ryan Laspina
Senior Specialist, Red Flags and External Reviews at APUS

The term “financial literacy” is thrown around a lot to describe part of what makes a successful college student (and person in general), but what exactly does it take for one to be financially literate? Someone who is financially literate is knowledgeable about personal finances and how his or her decisions affect financial well-being. However, there is more to being financially literate than just understanding how finances work. The tips below will provide you with a handful of ways to make smart financial decisions.

By Ryan Laspina
Senior Specialist, Red Flags and External Reviews at APUS

The average American will not be able to retire until they reach their mid-60’s, you should start thinking about retirement as soon as you enter the work force. Proper planning is critical to actually being able to enjoy the benefits that retirement has to offer. Just like any other major financial decision, planning for retirement takes budgeting, sacrifices, and forward thinking. Here are some of the best ways to plan for retirement.

A major benefit of a career in law enforcement is that officers can often retire at a fairly young age, which gives officers the opportunity to enjoy a long retirement. However, in order to be comfortable in retirement, officers need to be proactive about planning and managing money. AMU’s Dr. Chuck Russo provides guidance about how proper planning and preparation starting today can provide officers with a comfortable standard of living well into their retirement years.

By Ryan Laspina
Senior Specialist, Red Flags and External Reviews at American Public University System

Financial planning is a skill that you will have to use for the rest of your life if you aspire to be successful. If you have the option to take electives, a financial management, financial planning, or similar class is an excellent option.

The average tax refund is $3,539. Have you thought about how you will spend your refund this year? Many people are inclined to spend their refund immediately, but take some time to think about the most beneficial way to spend it. Here are five ways to consider spending your tax refund.