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Over\u00a086% of American families cannot afford to miss even one paycheck<\/a>\u00a0[Fortune<\/a>,\u00a0American Prospect<\/a>,\u00a0Market Watch<\/a>,\u00a0Prosperity Now<\/a>] including\u00a0families with higher incomes<\/a>. The 2022\u00a0Survey of Household Economics and Decision making (SHED)<\/a>\u00a0conducted by the\u00a0Board of Governors of the Federal Reserve System<\/a>\u00a0indicate a decline in peoples’ financial well-being over the previous year. The survey, which was fielded in October 2022, found that self-reported financial well-being fell sharply and was among the lowest observed since 2016. 47% of families can not cover a $400.00 unexpected expense,\u00a061% can not cover a $1,000 unexpected expense<\/a>: they do not have a cash “Safety Net” or ” Emergency Fund” so that they can deal with even small unexpected expenses without borrowing. The\u00a0SHED Appendix B with consumer response data<\/a>\u00a0and\u00a0Appendix A with the survey questions<\/a>\u00a0is available for public review.<\/p>\n According to\u00a0a Pew Research article<\/a>\u00a0published in December 2022, one-in-four U.S. parents say they\u2019ve\u00a0struggled to afford food or housing<\/a> in the past year. Debt sucks up almost all of the money that we work hard to earn, we face a retirement eating dog food on social security at best, and if any little thing goes wrong we’re likely to be homeless. Does that sound like the American Dream to you?<\/em><\/strong> I think it is more of an American Nightmare! Yet that is the reality for four out of five American families.<\/span> It should not be so, and here at Adult Life Training, Inc. we are changing that, family by family, across America right now. We will help you, too:\u00a0The morning cometh, and also the night: if ye will enquire, enquire ye: return, come.<\/em>\u00a0(Isa 21:12)<\/p>\n If you\u2019ve felt like you never can get ahead with money, listen: You can change your future\u2014and the best way is with other people walking alongside you.<\/p>\n Our public charity is hosting Financial Peace University<\/em> classes, which have helped nearly 10 million people win with money! And you can join one of these classes completely free, using your Ramsey+ membership, which we will also provide, for free (while supplies last) if you live in Allen County, Indiana. If you haven\u2019t already, you can claim your free membership here: https:\/\/alt-fw.org\/outreach\/<\/a>!<\/p>\n We meet online so you won\u2019t even have to leave home.<\/strong><\/p>\n Our next Financial Peace classes will start soon.<\/p>\n Register on this page:\u00a0https:\/\/alt-fw.org\/outreach\/<\/a><\/strong><\/p>\n \u00a0Your free membership to FPU includes your member workbook and a free year of Financial Peace Membership, with online tools created to support your journey,\u00a0underwritten by a generous grant from the\u00a03Rivers Credit Union Foundation<\/a>.<\/strong>\u00a0\u00a03Rivers<\/a>\u00a0is here for you: here for good! And by a grant from\u00a0Fort Wayne Door, Inc.<\/a>\u00a0Fort Wayne Door is your complete garage door services center. And by grants from\u00a0American Programmers Independent, LLC.<\/a>\u00a0When you want something done, call API.<\/p><\/blockquote>\n Message me\u00a0kubulai<\/strong><\/a>\u00a0<\/em>on FB or email\u00a0jdnash@alt-fw.org<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":" Over\u00a086% of American families cannot afford to miss even one paycheck\u00a0[Fortune,\u00a0American Prospect,\u00a0Market Watch,\u00a0Prosperity Now] including\u00a0families with higher incomes. The 2022\u00a0Survey of Household Economics and Decision making (SHED)\u00a0conducted by the\u00a0Board of Governors of the Federal Reserve System\u00a0indicate a decline in peoples’ financial well-being over the previous year. The survey, which was fielded in October 2022, found…<\/p>\n","protected":false},"author":27,"featured_media":8839,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[3],"tags":[1927,1926,1913,1902,1925,1759,1896,1929,1899,1901,1932,1903,1905,1934,1918,1907,1914,1923,1928,1912,1894,1920,1893,1900,1910,676,1886,1889,1909,1904,1757,1890,1898,1749,1922,1911,1933,1758,1897,1921,1917,1891,1931,1915,1906,1924,879,1887,1919,1754,1750,1930,1916,1888,1892,1895,1908],"class_list":["post-9597","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-announcement","tag-dave-ramsey-activation-code","tag-dave-ramsey-budget-class","tag-dave-ramsey-class","tag-dave-ramsey-class-near-me","tag-dave-ramsey-classes-in-my-area","tag-dave-ramsey-classes-near-me","tag-dave-ramsey-classes-near-me-2023","tag-dave-ramsey-classes-online","tag-dave-ramsey-course-free","tag-dave-ramsey-course-near-me","tag-dave-ramsey-course-online","tag-dave-ramsey-courses-near-me","tag-dave-ramsey-financial-peace-classes-near-me","tag-dave-ramsey-financial-peace-free","tag-dave-ramsey-financial-peace-university-classes","tag-dave-ramsey-financial-peace-university-classes-near-me","tag-dave-ramsey-fpu","tag-dave-ramsey-fpu-near-me","tag-dave-ramsey-near-me","tag-dave-ramsey-program-free","tag-financial-peace-activation-code","tag-financial-peace-class","tag-financial-peace-classes-near-me","tag-financial-peace-course","tag-financial-peace-online","tag-financial-peace-university","tag-financial-peace-university-activation-code","tag-financial-peace-university-activation-code-free","tag-financial-peace-university-class","tag-financial-peace-university-classes","tag-financial-peace-university-classes-near-me","tag-financial-peace-university-classes-near-me-2023","tag-financial-peace-university-code","tag-financial-peace-university-course","tag-financial-peace-university-course-near-me","tag-financial-peace-university-download","tag-financial-peace-university-for-free","tag-financial-peace-university-free","tag-financial-peace-university-free-download","tag-financial-peace-university-in-person-classes","tag-financial-peace-university-locations","tag-financial-peace-university-near-me","tag-financial-peace-university-near-me-2023","tag-financial-peace-university-online","tag-financial-peace-university-videos-free","tag-financialpeace-com","tag-fpu","tag-fpu-activation-code","tag-fpu-class","tag-fpu-classes","tag-fpu-classes-near-me","tag-fpu-dave-ramsey-classes","tag-fpu-online","tag-free-financial-peace-university","tag-how-to-get-financial-peace-university-for-free","tag-is-financial-peace-university-free","tag-ramsey-fpu-classes"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/alt-fw.org\/public\/wp-content\/uploads\/2023\/01\/teen-money.jpg?fit=612%2C411&ssl=1","jetpack_sharing_enabled":true,"jetpack_likes_enabled":false,"jetpack_shortlink":"https:\/\/wp.me\/p3sKnr-2uN","_links":{"self":[{"href":"https:\/\/alt-fw.org\/public\/index.php?rest_route=\/wp\/v2\/posts\/9597","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alt-fw.org\/public\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alt-fw.org\/public\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alt-fw.org\/public\/index.php?rest_route=\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/alt-fw.org\/public\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9597"}],"version-history":[{"count":3,"href":"https:\/\/alt-fw.org\/public\/index.php?rest_route=\/wp\/v2\/posts\/9597\/revisions"}],"predecessor-version":[{"id":9600,"href":"https:\/\/alt-fw.org\/public\/index.php?rest_route=\/wp\/v2\/posts\/9597\/revisions\/9600"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alt-fw.org\/public\/index.php?rest_route=\/wp\/v2\/media\/8839"}],"wp:attachment":[{"href":"https:\/\/alt-fw.org\/public\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9597"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alt-fw.org\/public\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=9597"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alt-fw.org\/public\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=9597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}