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Entry-Level Wages

Entry-Level Wages: Living on Your Own

As young adults complete their education and start new careers, they often struggle with repaying student loan debt while handling the expenses of living on their own for the first time. To bring the information to life, the workshop compares the lives of two individuals, one in a midsize city and the other in a smaller city. Participants will learn to handle their two biggest expenses, housing and transportation, and create a spending plan that accommodates all their other expenses. In addition, this workshop emphasizes the importance of managing debt and saving for the future.

Workshop Materials

You must agree to the terms of the Content License Agreement below to access the materials. Once the materials are downloaded, they may be used as-is or customized to best meet your needs.


Each kit provides workshop facilitators with the materials needed to run a workshop straight out of the box, or the choice to adapt any of the detailed presentations, scripts or learner action plans to suit their unique audience’s needs. Here is what you can find in each workshop.

A Presentation

Display these PowerPoint slides during your presentation to keep the workshop engaging and on track.

A Script

Consult the script for tips on how to prepare for your workshop, what your primary talking points will be, and follow-up resources.

Activities and Info Sheets

Guide your workshop participants through the hands-on activities and informational sheets to bring the financial skills to life.

Related Resources

Find additional suggested resources that can help round out your educational offerings.

FAQs

The FAQ section for each workshop can help answer your questions about working with your intended audience.

FAQs

What is the best way to prepare for this workshop?

After you read the script, slide presentation, and worksheets, do some research in your area. Use a popular apartment-finding website to find out typical rents on one- and two-bedroom apartments. Research the typical monthly payment on cars that are popular in your area as well as parking fees and public transportation costs. The more you know about your area, the more you can bring the presentation to life.

What if I am asked to give specific financial advice?

You cannot provide specific advice—for example, on what type of car to buy—because each person’s financial situation is unique. However, you can encourage participants to learn more about financial basics so they can make the right choices for themselves.

How can I be most effective as a workshop facilitator?

Make the workshop interactive and fun. The more you share about your personal experiences, and the more you allow others to share, the more interesting and real the information becomes. For example, participants may have read that they need renter’s insurance, and you can tell them about it. But it really comes to life when you hear a story about a flooded apartment or stolen laptop that was—or was not—covered by insurance.

What assumptions should I make about the financial knowledge of the participants?

This workshop is for entry-level workers in professional fields that often require a degree or certificate. Therefore, it’s likely that they have completed student loan paperwork, have held jobs in the past, and maybe have already rented an apartment. In fact, if you feel pressed for time, you can poll participants to find out who has lived on their own, bought a car, or has student loan debt. For example, if it turns out that everyone already lives in an apartment, you can skip that part of the presentation.

What if one person dominates the discussion?

Before conducting the workshop, practice a few lines that you could use spontaneously to limit someone from dominating the discussion. For example, if one person is going on too long about his or her situation, you could say, “I appreciate your input and participation, but I am concerned about the time and we have some other topics to cover.” If one person is asking the majority of the questions, look for someone who has not asked a question and direct a query to her or him.

Community-Based Financial Capabilities Part 1 - Groundwork

The first of a three part workshop that helps community groups create financial capabilities programs tailored to their respective audience.

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Entry-Level Wages

Help entry-level professionals create a spending plan that manages all their expenses.

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Problem Gambling Part 1

Practical steps family members and friends can take to help deal with the financial impact of problem gamblers.

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Problem Gambling Part 2

Help problem gamblers learn what actions they can take to address any financial problems created by their gambling.

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