Financial Education
Quick Start
First-Time Home Buying Guide
Buying Your First Home Doesn't Have To Be Stressful
Download our free First-Time Homebuyers Guide to get your next move started.
You'll get our step-by-step roadmap to guide you from determining your budget to picking the right home and beyond to purchase and even move-in day - all absolutely free. Together, we can make tackling your big purchase no big deal.
Home Buying Guide - Returning Buyer
Buying Your Next Home Doesn't Have To Be Stressful
Download our free Homebuyers Guide to get your next move started.
You'll get our step-by-step roadmap to guide you from determining your budget to picking the right home and beyond to purchase and even move-in day - all absolutely free. Together, we can make tackling your big purchase no big deal.
Auto Loan Guide
Drive Your Future Forward
Download our free Auto Buying Guide to get your next purchase on the road.
You'll get our step-by-step roadmap to guide you - from determining your budget to understanding the true cost of vehicle ownership and all the stops along the way to purchase - all absolutely free. Together, we can make tackling your car purchase a smooth ride.
Schedule A Personal Consultation
Money Can Be Stressful - But You Don't Have To Do It Alone
Take the first step in the right direction and schedule a consultation.
Managing money is a mindset - one that can change and grow as you build comfort and joy in your finances. Connect with us to take your first step forward toward confidence.
Foundations
Cash~Flow (Budgeting)
The 60-10-10-20 plan is a great starting place for money management.
A goal of 60% going towards Living Expenses, 10% to Investments, 10% to Savings, and 20% for your Guilt-Free Spending.
Quick-Start Guide - "Top 5 Money Hacks": https://info.ontapcu.org/moneyhacks
Cash~Flow Spreadsheet: https://docs.google.com/spreadsheets/d/1UZ2FE7jaTMJKsZllW3yPsDfptm6wOeStYZcVKb9qr-U/copy
How to use the Spreadsheet:
Account Setup for Simplicity: https://share.descript.com/view/9SPmu0hWbAG
What is Cash~Flow: https://share.descript.com/view/7JJzFAbR1b9
Financial Tools (Debt Repayment, Investing, etc)
Debt Repayment Calculator: https://www.creditkarma.com/calculators/credit-cards/debt-repayment
Investment Contributions Calculator: https://www.investor.gov/financial-tools-calculators/calculators/savings-goal-calculator
Compound Interest Calculator: https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator
How to quickly estimate your living expenses using an app:
Calculate your net pay (after-tax): https://www.adp.com/resources/tools/calculators/states/colorado-salary-paycheck-calculator.aspx
How-to videos for Debt & Investing tools
How to Pay Off Credit Card Debt:
How to decide on Investment Contributions:
Positive Financial Conversations (Coaching/Counseling)
About our no-cost, positive Financial Conversations: https://info.ontapcu.org/earn-15-to-take-control-and-overcome-money-stress-with-free-colorado-financial-education
What members have said about financial coaching:
Looking to book another conversation? https://meetings.hubspot.com/marshall-moore
Webinar Resources
Credit 101 - Scores, Strategy, And The Factors That Matter
Curious about Freezing Credit?
The Making Money Joyful System
Teach Kids About Money
Psychology of Money
Behavioral Finance
Introduction: https://share.descript.com/view/nCy7B0kEJA4
Societal shifts in responsibility: https://share.descript.com/view/hgzON6wq4Ks
Thinking About Retirement
Financial Independence VS Freedom
Books, Videos, and Podcast Recommendations
Economics
Money: The True Story of a Made Up Thing: https://www.hachettebookgroup.com/titles/jacob-goldstein/money/9780316417198/
Misbehaving: The Making of Behavioral Economics: https://wwnorton.com/books/misbehaving/
How the Economic Machine Works, a video by Ray Dalio:
Planet Money Summer School [Podcast Recommendation]:
Personal Finance
Books
The Simple Path to Wealth, by JL Collins (Investing book): https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926
Finance for the People, by Paco de Leon: https://www.amazon.com/Finance-People-Getting-Grip-Finances/dp/0143136259
The Wealth Ladder, by Nick Maggiulli: https://www.amazon.com/Wealth-Ladder-Proven-Strategies-Financial/dp/0593854039
Money for Couples, by Ramit Sethi: https://www.amazon.com/Money-Couples-Stress-Fights-Together/dp/1523523689
Podcasts
Money for Couples:
How to plan for vacations financially:
WalletGyde Podcast Personal Finance discussion:
Psychology Podcast Recommendation: How to embrace ALL emotions to find joy