This post is rather long and detailed. The primary audience is probably folks who serve on district negotiations committees, on both the district side and the union side. But even if you aren't in that capacity, if you are a school district employee you should consider reading this and then advocating with the folks who … Continue reading Should Colorado School Districts Get More Flexible with Their Benefits?
Author: kfisch
New Teacher (Financial) Orientation
I've been doing some financial presentations for educators in various Colorado school districts. As part of the intro to my presentation I reference the fairly typical "90-minute New Employee Orientation" that school districts often provide for new teachers and that, while these are well-intentioned, they usually fall woefully short of what they could (and should) … Continue reading New Teacher (Financial) Orientation
Colorado Educator Loan Forgiveness Application Open
The latest round of the Colorado Educator Loan Forgiveness Program is now open (closes 4/30/24), and you can complete the easy and quick application now. As I've written about previously, every Colorado educator with Federal student loans should apply for this. While the number of awards is limited, some of you will receive $5,000 to … Continue reading Colorado Educator Loan Forgiveness Application Open
TL;DR: Financial Literacy for Employees of Michigan Public Schools: Optimizing Financial Decisions Based on Your MPSERS Benefits
I just wanted to share my latest book (written along with Stan Masters), this one for employees of Michigan Public Schools, focusing on financial literacy and making the most of their MPSERS pension benefits. Please consider sharing with any educators you know in Michigan. This is the latest in the TL;DR Financial Literacy series. If … Continue reading TL;DR: Financial Literacy for Employees of Michigan Public Schools: Optimizing Financial Decisions Based on Your MPSERS Benefits
My (Simplistic) Yearly Income Tax Planning Spreadsheet
Occasionally when I talk to some folks they are frustrated with the taxes that are due (or the refund they will be getting) when they file their taxes (more often frustrated with federal than state, and definitely more frustrated when they owe). Sometimes they owe a huge amount and don't know how it happened. Other … Continue reading My (Simplistic) Yearly Income Tax Planning Spreadsheet
Spend Now or Spend (More) Later
In my financial literacy class for teachers we spend a lot of time discussing the balance between spending money now and saving in order to spend money in the future. And I want to be perfectly clear, this is an important balance to achieve. Some folks (myself included) may delay gratification too much, always saving … Continue reading Spend Now or Spend (More) Later
Fisch Financial 