Smart Kids Can be Dumb About Money

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Parents donÂ?t appreciate how unprepared their kids are to manage financial matters on their own and how much kids need to know today to avoid problems and bad habits which will hurt them later in life.

Parents need to take the time to educate their kids about money management before they leave for college. Unfortunately, college students often get in financial trouble at school. US Treasury statistics reveal that 45% of all college students are in debt with an average credit card debt load of $3,000 by graduation. Studies have also shown that young people typically get failing grades on tests of their financial knowledge. They are not adequately prepared for the financial choices they must make when living on their own for the first time. In fact, bankruptcy is growing faster among young adults in their 20's than in any other age group in the country. Yet, parents are sending their kids to college with only a mild lecture against overspending.

Packed with real-life case examples on video, audio and high-appeal graphics, Onward!™ with Financial Stuff is designed to make even the least interested student enjoy the material and use it as an ongoing reference tool while at school or later in life. Topics include: lost or stolen credit or debit cards, credit card pricing, managing a budget, organizing financial records, identity theft, taxes, financial privacy, credit reports, writing to your bank, and much more.

Creator Amy Paul explains, “When my son went off to college I found out just how uniformed and financially troubled young people are today. I felt I had to do something to help kids start life off right.”

Scott, a freshmen in college, had never paid bills before he left for college. He didn’t realize that he had to pay a monthly bill for his dorm telephone. He became very busy at school with papers, tests and new friends, and never made it to his mail box for six weeks. When he finally got to the mail box, he found a disconnect notice from the phone company. He didn’t think that missing only one payment would cause him to lose telephone service so he didn’t pay it right away. But when he went to pick up his phone a week later he realized how ignorant he was. He had to pay the bill, late fees and then there were reconnecting fees to pay! A very expensive and humbling lesson.

The Onward!™ with LifeStuff online product is available now from the website,, for $24.99. A CD version with a handsome file organizer is available for purchase for $29.99. both can be obrained through the website in time for school. Onward! Financial Stuff also makes a great going-away-to college present from a parent, grandparent or special friend.

A portion of the net proceeds will be donated to non-profit organizations working with U.S youth.

For additional information please contact:

Topiela LLC

Amy Paul

914 244-4489

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Amy Paul