You know you need to learn more about personal finance in order to make financial decisions, but you just find it too overwhelming, too intimidating, and too time consuming. This book was written for you, giving you the basics in an hour or two, and then directing you to further resources (fischlearning.com/tldr-wyoming) if you'd like to learn more. It's about 100 pages and should take only an hour or two to read, so instead of TL;DR (Too Long; Didn't Read) it will hopefully be JR;DR;KM (Just Right, Did Read, Know More).

This book isn't about "getting rich quickly" (not that there's anything wrong with that), but it's about gaining knowledge and building your capacity in order to live a good life. What's a "good life"? We don't know, everyone's definition is different. What's important is that you take the time to define what a good life is for you, and then align your financial decisions with that. The goal of this book is to help you think about your finances in such a way that you have the independence to lead the life you want to live; to give you as much control as possible over your financial situation so that your finances don't prevent you from living the life you want.

We say "book" because that's what Amazon calls it, but it's more like a really long blog post. We wrote it because finances and financial decisions are such a huge part of everyone's life that they should take the time to thoroughly educate themselves. Since many folks won't do that, this book is an attempt to quickly give them the basics and hopefully encourage them - and give them the confidence - to learn more.

Part 1 of this book is applicable to everyone, but Parts 2-4 are specifically for employees of Wyoming public schools. These parts take a medium dive into both your WRS and your school district benefits, and how you can optimize your finances based on those benefits. Most Wyoming educators are not fully aware of their WRS benefits and how that should impact almost all of their other financial decisions throughout their adult lives. This book will help you make those decisions.

Full Disclosure: We are not financial planners. We have no formal training in personal finance or investing, and no certifications. We are simply lifelong learners, constantly curious, and have been interested in personal finance since working in a credit union during high school and college (Karl) and since "starting over" as a teacher in Wyoming (Jill). Karl has continued to learn about finances his entire adult life and has frequently served as a resource for friends, family and colleagues. He somehow became the "go to" guy in his high school for other educators who had questions about school district benefits, PERA (Colorado's pension plan for public employees), and just finances in general. Partially as a result of that experience, Karl sees the necessity for a book such as this, so I wanted to do my part to try to help Wyoming educators become financially literate and optimize their financial lives based on their WRS benefits. During the two decades Jill has taught in Wyoming, spreading personal finance knowledge has become her passion not only to the ~120 students she teaches each year, but also to the adults she works with and also comes into contact with. As she inches her way closer to retirement, her goal is to help all WRS members gain more knowledge at an earlier age.

While it would be nice to make a little bit of money from this, that's not really our expectation or our goal. This is a passion project for us. We hope you find it helpful.
So, about 100 pages. About an hour or two. Let's get started.

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• Education & ReferenceEducation

• Text-to-Speech: Enabled
• Lending: Disabled
• Print Length: 119 Pages
• File Size: 1,119 KB