Your relationship to money changes over your lifetime. Each stage, from birth to death, has key factors to consider. Understanding these factors allows you to navigate them all successfully!
What is Money 101?
Calling all women entrepreneurs -
Do you want to take the “Fear out of Finance?” Enroll in Money 101, a five-segment financial literacy program designed for women and conducted by Diane Drey, a certified SCORE mentor.
Segments include Foundation, Investments, Taxation, Real Estate, and Money and Life Cycles. Each Segment consists of five two-hour classes. The segments can be taken in any order and are independent of each other. All classes are live on Zoom. Once you pay for a segment, you can take that SAME segment over again for FREE!
See Money & Life Cycles Segment Session Details >>
Registration is limited to keep the classes intimate. Sign Up Now!
Date
September 10, 17, 24, 30 & October 8, 2025
Time
All sessions will be held from 4:30pm - 6:30pm EDT
Cost
$125 for all five sessions
EARLY BIRD PRICING: $100 if you register before August 25th!
At the end of this MONEY & LIFE CYCLES course, you will be able to:
- Apply for Social Security Number for a newborn
- Open financial vehicles for your child’s benefit including: US Savings Bonds, College 529 Savings Accounts, etc.
- Discuss basic economics with your child, including formulating a budget, different types of bank accounts, and understanding the pitfalls of credit cards
- Outline how to build and measure wealth by preparing a Personal Financial Statement
- Explain the impact your career choice will impact economics
- Understand prenuptial agreements and how to manage money as a couple
- Discuss how finances are divided in Divorce
- Summarize when and how to apply for and/or start Social Security and Medicare and how much you will need from other resources to supplement your retirement income
- Prepare for End-of-Life challenges–Organizing your affairs, Will, and Trusts, exercising control after you are gone
Class 1: Early Years Intro
- Think of it as a skill set, not a judgment of where you are.
- Discussion – What introduction to money did you have in childhood? How did it shape your adult viewpoint?
- Are people “better” because they appear “rich”? How we often judge a book by its cover.
- Why is financial education so important – getting comfortable talking about money
- BIRTH – establishing a social security number
- Savings Bonds – different types, and why they make good baby gifts
- Getting on the same page with your co-parent
- 529 College Savings Plans – what are they? and what are the benefits?
- and more!
Class 2: College Years
- The Perils of Borrowing (Credit Cards) and Understanding Minimum Required Payments and Compound Interest
- Understanding Credit Scores and the factors that will impact a Score
- Understand Student loans – Subsidized vs. Unsubsidized – what is forbearance
- What is Forbearance
- Balance – Should you have a Gap Year? What would you do with it?
- Getting your first job – Negotiations & employment benefits
Class 3: Adulthood
- Knowing Yourself and Knowing your Partner’s Attitude Towards Money
- Life Plans: Discussing Priorities and Establishing A Five-Year Plan
- Prenuptial agreements
- Finances (co-mingled, separate, or hybrid ) and
- How to Handle Gifts/Loans – Given or received from non-spousal Family
- What is decided in a divorce, and what is not (child support and custody, alimony, division of assets)
- Attorney Retainers
- Case Information Statement (CIS)
- Mediation
Class 4: Preparation for Retirement
- Budgeting for retirement years, consideration of changes in expenses, re-evaluation of housing costs, anticipating medical expenses
- Understanding Social Security benefits and the factors which should influence when you start collecting
- What is an IRA or 401k RMD = Required Minimum Distribution
- Difference between a Traditional and a ROTH retirement plan
- How are Inherited IRA’s different from a Retirement Plan you established for yourself
Class 5: End of Life Challenges
- How to Organize your affairs in advance as a gift to your heirs.
- Who will handle your affairs?
- Which prevails for distributing assets of a 401K plan, your Will or the 401K Beneficiary form?
- What key items should be mentioned in a Will?
- What does an Executor do? Will your Executor be compensated?
- Do you need a Trust? What does a Trustee do?
- How to protect minor children or special needs beneficiaries.
- and more!
BEFORE YOU REGISTER, please be certain you can:
- Attend all 5 sessions in the course. This represents a commitment to yourself and others in the group
- Work in front of a full-screen computer, allowing screen sharing in a quiet area to allow you to concentrate
- Agree to complete pre-work before each session. Optimizes your learning experience by enabling you to discuss concepts and examples with your peers and instructor. Pre-work should take approximately 2 hours before the second, third, fourth and fifth sessions.
- Use a calculator or application if needed to make math calculations.
- Complete the PRE-CLASS Questionnaire upon enrollment. The Questionnaire helps assess your current financial knowledge so sessions meet your needs. You will receive the link to the questionnaire AFTER enrollment.
Diane was formerly CEO of a New York Metro bottled water manufacturing and distributing company. Her expertise is in financial planning and marketing. She holds an MBA in finance and has over 30-years’ of experience running her own firm. She light-heartedly calls herself the "Money Lady" and focuses on business owners achieving profitability.
Are you ready to take the fear out of finance and plan for your financial future? Seats are limited; claim your spot now!
