Introduction
[1]. Clark Howard, Clark Howard’s Living Large in Lean Times (New York: Penguin, 2011), xi.
Chapter 1: The Cost of Financial Ignorance
[2]. “What American Teens and Adults Know about Economics,” 38.121.131.180/WhatAmericansKnowAboutEconomics_042605-3, pdf accessed 7-16-2011.
[3]. “Greater Fools,” www.newyorker.com/talk/financial/2010/07/05/100705ta_talk_surowiecki, accessed 7-16-2011.
[4]. “The Financial Literacy of Young American Adults,” www.jumpstart.org/assets/files/2008SurveyBook.pdf, accessed 7-16-2011.
[5]. “Financial Literacy and Ignorance,” www.annalusardi.blogspot.com/2009/06/protecting-consumers-regulation-is-not.html, accessed 7-16-2011.
[6]. Mortimer Zuckerman, “Housing Crisis Represents the Greatest Threat to the Recovery,” U.S. News & World Report, posted Jan. 27, 2011, www.usnews.com/opinion/mzuckerman/articles/2011/01/27/housing-crisis-represents-the-greatest-threat-to-the-recovery, accessed 7-16-2011.
[7]. Kristopher Gerardi, Lorenz Goette, and Stephan Meier, “Financial Literacy and Subprime Mortgage Delinquency: Evidence from a Survey Matched to Administrative Data,” Federal Reserve Bank of Atlanta, April 2010, www.frbatlanta.org/documents/pubs/wp/wp1010.pdf.
[8]. www.careerbuilder.com/share/aboutus/pressreleasesdetail.aspx?id=pr584&sd=9/1/2010&ed=09/01/2010, accessed 7-16-2011.
[9]. www.creditcards.com/credit-card-news/federal-reserve-g19-consumer-credit-march-10-1276.php, accessed 7-16-2011.
[10]. www.indexcreditcards.com/credit-card-rates-monitor, accessed 7-16-2011.
[11]. www.ftc.gov/be/seminardocs/100415debtliteracy.pdf, accessed 7-16-2011.
[12]. “Student Loan Debt Exceeds Credit Card Debt in the USA,” www.usatoday.com/money/perfi/college/2010-09-10-student-loan-debt_N.htm, accessed 7-16-2011.
[13]. “43% Have Less Than $10k for Retirement,” money.cnn.com/2010/03/09/pf/retirement_confidence/index.htm, 7-16-2011.
[14]. www.census.gov/prod/2009pubs/acsbr08-2, accessed 7-16-2011.
Chapter 2: My Story
[15]. Check kiting is the illegal act of taking advantage of the float to make use of nonexistent funds in a checking or other bank account.
Chapter 4: Rule 1
[16]. “Living Large: Home Size Increasing,” www.wral.com/news/local/story/2443194, accessed 7-26-2011.
[17]. “Study: Average Size of New Home,” www.cepro.com/article/study_average_size_of_new_home_drops_9_in_q3_2008.
[18]. “Electronic Amenities Top Homebuyers’ Wish Lists,” www.cepro.com/article/electronic_amenities_top_homebuyers_wish_lists_nahb_finds.
[19]. www.selfstorage.org/ssa/Content/NavigationMenu/AboutSSA/FactSheet/default.htm.
[20]. “Anywhere the Eye Can See, It’s Likely to See an Ad,” www.nytimes.com/2007/01/15/business/media/15everywhere.html, accessed 4-12-2011.
Chapter 6: Rule 3
[21]. See 1 Timothy 6:5–10.
[22]. See Deuteronomy 14:23; Exodus 36:5–7; 1 Chronicles 29:14, 16–18; Malachi 3:10; Philippians 4:19.
Chapter 8: Rule 5
[23]. www.bankrate.com/calculators/smart-spending/home-budget-plan-calculator.aspx.
[24]. Debtproofliving.mvelopes.com.
[25]. www.mint.com.
[26]. www.familyfn.com/kits/budget_kit.
Chapter 9: Rule 6
[27]. www.daveramsey.com/article/the-truth-about-your-credit-score/lifeandmoney_creditcards.
[28]. www.myfico.com/CreditEducation/WhatsInYourScore.aspx, accessed 7-2-2011.
[29]. money.msn.com/credit-rating/lifetime-cost-of-bad-credit-201712-dollars-weston.aspx, accessed 4-30-11.
[30]. www.myfico.com/helpcenter/autos/get_better_rate.aspx.
Chapter 10: Rule 7
[31]. money.usnews.com/money/blogs/the-best-life/2010/12/14/baby-boomers-to-inherit-up-to-116-trillion.
[32]. www2.tbo.com/business/business/2011/jun/01/SPBIZO1-home-price-index-at-lowest-point-since-200-ar-234029.
[33]. newsfeed.time.com/2011/05/10/survey-85-of-new-college-grads-moving-back-in-with-mom-and-dad.
[34]. Proverbs 1:13–15; 17:18; 22:26–27; 27:13.
[35]. Proverbs 6:1–5.
[36]. Psalm 37:21.
[37]. Proverbs 22:7.
[38]. Deuteronomy 28:12.
Chapter 11: Getting It All Together
[39]. www.dominican.edu/dominicannews/study-backs-up-strategies-for-achieving-goals.html.