Highlights
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Intellectual Well-being
Open our mind to new ideas and experiences, learn new concepts, improve skills and seek challenges in pursuit of lifelong learning. Improve your intellectual well-being and learn to protect yourself from fraud by using safe practices.
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Emotional Well-being
Understanding your feelings, express emotions in a constructive way, manage stress, & deal with challenges in life. Life Changes can affect your financial confidence and emotional well-being. Learn ways to manage your emotions when times get tough.
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VACU Membership
As a VCU RAMStrong employee, you are eligible to become a member of your local Virginia Credit Union and access checking, savings, competitive rate loans, mortgages, and more.
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Environmental Well-being
Donating time, money, or other items to charity is incredibly fulfilling and a great way to help the world around you. But how do you find charities to give to? And, just as importantly, how can you know if those charities are legitimate?
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Occupational Well-being
The ability to get personal fulfillment from our jobs and our chosen career fields while maintaining balance in our lives. Are you taking advantage of your job benefits? Learn how to get the most fulfillment through your job benefits.
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Financial Well-being
The ability to be fully aware of our current financial state and to set short and long-term goals regarding finances that will allow us to reach our personal aspirations and achieve self-defined financial success.
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Physical Well-being
Making healthy decisions and acknowledge that our behaviors have significant impact on our well-being. Financial Well-being also plays a significant role to a healthy and thriving lifestyle. Complete the resources below to test your financial confidence.
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Social Well-being
Connect with people and establish/maintain positive relationships with family, friends, and co-workers. When it comes to talking with a spouse, partner, or family about money, many people shy away. It can be scary but positive communication is key.
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VCU RAMStrong Employee Wellness Program
Complete all 7 Rewards on Intellectual, Emotional, Environmental, Occupational, Financial, Physical, & Social Well-being to be entered into a drawing for $100 Amazon Gift Card or a deposit into your Account!
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GreenPath Financial Wellness
GreenPath is a nonprofit organization that provides resources and 1:1 financial coaching to help you achieve financial wellness.
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Financial Foundations
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Personal Financial Wellness Assessment
The Financial Wellness Assessment analyzes your spending, budgeting, and saving habits so you can reflect on how you’re currently managing personal finances.
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Learning to Budget
Budgeting isn't about restriction, it's about prioritizing. The best way to avoid financial strain is to know where your money is going and plan ahead!
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Basic Saving
Whether you're saving for a rainy day or a rainy trip to London, mastering the basics of saving can help you reach your goals.
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Life Changes
As with any major life change, if you have a better grasp of the financial requirements and tasks, you can be better prepared for what's ahead.
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Saving for a Vacation
What does a trip to Cancun and a trip to Idaho have in common? They both cost money! Save for your trip, no matter the size, using smart, easy-to-understand strategies.
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Taxes
Taxes are full of nuance and complicated jargon, these resources can help.
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Opening a Checking Account
In a world of digital spending and online banking, checking accounts are becoming an increasingly vital part of personal finance.
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Giving to Charity
Give a little or give a lot, giving to charity offers more than just warm feelings. Understand the impact on your taxes and budget.
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Credit & Debt
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Using Credit Cards
Using credit cards wisely paves the way for big purchases in the future, but be wary of spending more than you can manage.
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Managing Debt
Many people find themselves in debt, and many people also find ways out of it. Don't be discouraged, there are ways to manage your bills and come out on top.
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Building Credit
It takes credit to get credit, and credit is crucial to buying a new home, finding a place to rent, or purchasing a new car. You have to start somewhere, start here.
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Paying Student Loans
Around 70 percent of college graduates leave school with some kind of student debt. Learn how you can pay yours back more effectively.
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Health
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Health Insurance
Premiums, deductibles, max out-of-pocket expenses—it may seem like too much to learn, but the right information can get you to a place of understanding fast.
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Paying for Health Care
Paying for health care can take a lot of know-how. Master your finances by learning the ins and outs of insurance, HSAs, FSAs, HRAs, and more.
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Managing Illness
Illness can affect every part of your life, from your ability to work to navigating day-to-day tasks. Learn more about how to best manage the impact of an illness.
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Home & Car
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Buying a House
The process of buying a house is riddled with specific terminology and important decisions. Set yourself up for success by studying the ins and outs of the process.
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Getting a New Car
There's more to buying a new car than negotiating and signing on the dotted line. Know what your auto loan truly costs and how to navigate the car-buying process.
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Owning a Home
There are a lot of responsibilities that come with owning a home. Learn more about paying off your mortgage, insuring your home, and more.
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Selling a Home
Ready for a change of scenery? Selling your home is easier said than done, but careful research can help ensure that you're prepared for the financial impact.
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Renting a Place to Live
From security deposit to renter's insurance, renting a place to live comes with a unique set of challenges. Rest easy with the power of knowledge and know-how!
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Moving
Gathering boxes is the easy part. A big move can make a big impact on your finances. Not to worry, being prepared is the safest way to avoid a massive uh-oh moment.
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Family & Kids
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Growing Family
A growing family means growing expenses. But no worries, you just have to know what to expect when things start changing.
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Banzai Courses
The Banzai Courses use real-life scenarios to demonstrate the power of good financial planning. For kids, teens, and young adults, these courses teach basic and advanced financial concepts.
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Teaching Kids Finances
Teaching kids about personal finances gives them a head start, and we don't just mean piggy banks! Help kids master strategies in investing, saving, and even credit.
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Getting Married
In sickness and in health, for richer or poorer...Actually, let's keep "poorer" out of it. You're a team now, tackle financial decisions, budgeting, and debt together.
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Managing a Divorce
Divorce makes an impact on your finances, from dividing assets to paying alimony or child support. Make sure you know what options are available to you.
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College
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Going to College
Off to college? Learn to budget and manage all the unexpected and kind-of-expected costs that come with being on your own.
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Paying for College
Tuition is a big bill, but there are ways to make the cost of your dream school possible. Learn all you need to know to pay for that coveted degree.
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Job & Business
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Starting a New Job
New job. New benefits. New You. Start your job on the right foot and adjust your personal finances for your new income and benefits package.
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Losing a Job
Losing a job is tough, but with a bit of planning and some research, you can navigate your way through it.
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Starting a Business
You have an idea, maybe you even have a business plan, but now what? You need to find some capital, manage it carefully, and hit the ground running.
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Raising Capital for your Business
To grow your business, you need capital. But how do you get it? Learn more about small business loans, lines of credit, and more.
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Managing Employee Benefits
To find and keep high-quality candidates, you need to offer benefits. Understand what benefits you must provide and how to keep your employees happy.
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Bookkeeping
Your business is running, but you might feel a little lost in all the purchases, receipts, payments, sales, and so on. How do you keep track of it all? Bookkeeping.
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Security & Emergencies
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Planning for an Emergency
It's impossible to predict a car breaking down or losing a job, but it's absolutely possible to prepare for the financial blow. Emergencies happen, make sure you're prepared.
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Managing Crisis
While a crisis is often unexpected, you can navigate through troubling times confidently by exploring your options and making educated decisions.
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Fraud and Security
With hackers and scammers getting more proficient than ever, learn to protect yourself from fraud by using safe practices.
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Elder Fraud
Senior citizens are the most targeted demographic for fraud and scams. Learn how to protect yourself and your loved ones.
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Economy
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Economic Health
The economy influences your finances—maybe a little, maybe a lot. See how much the economy affects you.
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Navigating Inflation
Inflation may be a normal part of a healthy economy, but it still affects prices, the value of a dollar, and your budget.
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Investing & Retirement
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Begin Investing
Investing can seem overwhelming. Stocks, growth, and markets—it's a lot to learn, but anyone can do it, and it's easier than you think. Don't let the unknown keep you from a flourishing future.
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Building A Portfolio
It's not enough to invest once, in order to get a strong return and build your wealth, it's important to build a portfolio.
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Planning for Retirement
Whether it's just around the corner or decades away, now is the perfect time to start planning your retirement.
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Saving for Retirement
A lot goes into saving for retirement, and the decisions you make now will have a big impact on your future.
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Estate Planning
Whether it's large or modest, most everyone has an estate—a collection of everything a person owns. Dictate what happens to it now so that you can ensure that your wishes are met.
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