Money Habitudes is used in a number of different ways by various types of users, as seen in the examples below. The cards are valuable in financial and relationship contexts and are used with individuals, couples and groups, as well as in workshops and classes. They're used as an introductory or icebreaker activity, a standalone tool or as an integrated module within larger programs.

Financial planners can't avoid talking to clients and prospective clients about the sensitive topic of money. Even for professionals, it can be a daunting task because those seeking their help don't readily open up about money. In addition, planners increasingly see that discussing spending, saving and investing can be a gateway to other issues that clients have -- and which advisors must confront. Steven Shagrin, CFP®, uses Money Habitudes™ cards to better understand and relate to his clients.

Money Habitudes cards are used with the military's different branches to create a corps of financially stable service members. Using the cards to engage her audience, financial educator Madeleine Greene presents financial management workshops at installations across the country.

Therapists know that money is going to come up in many, many sessions either because it's the presenting issue or is somehow related to what brings people to counseling. Kelly Chicas, LPCC, found that using Money Habitudes™ cards allowed her to discuss those issues with clients in a better way. She has also used the cards to facilitate workshops.

When Beverly Mercer teaches bankruptcy classes, it's with a goal of making her students financially successful in the future. To engage the diverse audience that attends the mandatory courses, she uses Money Habitudes cards. Having students use the cards allows them to better understand what has gotten them into financial trouble and motivates them to take steps towards responsible money management.

In working to build and sustain healthy relationships, Stronger Families knows that money plays a crucial role. Therefore, the organization includes a module on money and communication -- using Money Habitudes cards -- in its hallmark relationship program, which largely serves the military and marriage mentors in churches.

Money Habitudes™ cards are used in the Command Financial Specialist program to create a force of financial first responders who offer informal help to their colleagues. During their training, financial program manager, Carol Allison, says that it's imperative that the peer counselors understand and internalize that those around them see and use money in very different ways.

When teaching financial classes for divorcing couples, Kent Thompson witnessed their arguments and acrimony because of money. To get them to relate better to one another around finances, he used Money Habitudes cards. In the end, having better understood each other and their disagreements, most of the divorcing couples decided to turn away from divorce and make the marriage work.

Financial education classes often neglect communication skills and focus solely on the mechanics of budgeting, expense tracking, etc. But Lori Scharmer, a family economics educator, finds great value in helping couples communicate about money. If they aren't comfortable talking about their finances, managing them will difficult. In her standard couples' finance class, she uses Money Habitudes cards.

Erica Brown, a community readiness technician at Shaw Air Force Base, shares how Money Habitudes served as the basis for a fun and casual financial education class. Meeting young airmen in their own living space and using an engaging, non-threatening activity served as outreach to a population that needs financial education but is often reluctant to get it because of the stigma around it.

Confronting dry subject matter and an often unwilling or unhappy audience, financial program manager Kent Thompson discovered how Money Habitudes cards make financial education classes non-threatening and fun. In fact, students liked the card game so much that they would return to multiple classes to do the activity and better understand their money habits and attitudes

Teaching financial education can be difficult. Talking about money intimates people and they often wait until hardship strikes before seeking help. Therefore, financial educator Nancy Reigelsperger knows she needs to make her classes not only practical, but non-threatening and enjoyable as well. It's especially important to hook younger people, but working with adults also requires that the classes grab their attention.

One of the great friction points in marriages is money. Although people do not want to talk about it, they do want to be able to deal with it effectively. Erica Brown shares how and why she used Money Habitudes to address this topic with a support group of military spouses. The light activity helped them talk about it with their partners in an easy, non-threatening way.

Instead of sleep-inducing PowerPoint slides and a lecture, Belinda Pfeiffer, a family and consumer sciences educator, uses Money Habitudes for Teens to connect with teenagers in schools and youth groups. When using Money Habitudes with homebuyer/homeowner classes and with senior citizens, the cards help put people at ease, get them to open up, participate and make classes more enjoyable.

Teenagers like to interact with each other rather than sit still for lectures. Playing to this tendency, Joyce Bartels-Daal uses Money Habitudes as the basis for a money-based life skills class. Students enthusiastically dive into the activity and need little oversight. They also discover how to be better with money and how to talk about the difficult topic.

Although financial planners are trained to help people manage their investments, they can sometimes fall into the trap of thinking that their own goals and values around money are the same as their clients'. Alan Frank, a financial educator, financial planner and finance professor, gleaned great personal insight by discovering his own Money Habitudes. He shares how he then translated this better understanding to how he interacts with clients. He uses Money Habitudes with individuals, couples and in classes and workshops.

It's important for financial planners to understand their clients, including how they see and use money and what is happening in their lives. It's also important that clients and financial advisors feel comfortable and open when discussing the sensitive topic of money. To this end, financial planner Tony Owings uses Money Habitudes as an easy, non-threatening, non-judgmental tool when working with individuals, couples and in workshops.

Common challenges in marriages include money, sex and time. Catholic churches and dioceses use Money Habitudes in marriage preparation programs to help people better understand themselves and their partners when it comes to money and finances. Valerie Conzett, director of the Family Life Office in the Archdiocese of Omaha, and Sr. Virginia West, a marriage and family therapist at St. Margaret Mary Catholic Church in Winter Park, FL, share how they use Money Habitudes cards in their marriage prep classes.

When Beverly Mercer teaches bankruptcy classes, it's with a goal of making her students financially successful in the future. To engage the diverse audience that attends the mandatory courses, she uses Money Habitudes cards. Having students use the cards allows them to better understand what has gotten them into financial trouble and motivates them to take steps towards responsible money management.

Confronting dry subject matter and an often unwilling or unhappy audience, financial program manager Kent Thompson discovered how Money Habitudes cards make financial education classes non-threatening and fun. In fact, students liked the card game so much that they would return to multiple classes to do the activity and better understand their money habits and attitudes.

Financial education classes often neglect communication skills and focus solely on the mechanics of budgeting, expense tracking, etc. But Lori Scharmer, a family economics educator, finds great value in helping couples communicate about money. If they aren't comfortable talking about their finances, managing them will difficult. In her standard couples' finance class, she uses Money Habitudes cards.

Money Habitudes cards are used with the military's different branches to create a corps of financially stable service members. Using the cards to engage her audience, financial educator Madeleine Greene presents financial management workshops at installations across the country.

When teaching financial classes for divorcing couples, Kent Thompson witnessed their arguments and acrimony because of money. To get them to relate better to one another around finances, he used Money Habitudes cards. In the end, having better understood each other and their disagreements, most of the divorcing couples decided to turn away from divorce and make the marriage work.

Money Habitudes™ cards are used in the Command Financial Specialist program to create a force of financial first responders who offer informal help to their colleagues. During their training, financial program manager, Carol Allison, says that it's imperative that the peer counselors understand and internalize that those around them see and use money in very different ways.

Erica Brown, a community readiness technician at Shaw Air Force Base, shares how Money Habitudes served as the basis for a fun and casual financial education class. Meeting young airmen in their own living space and using an engaging, non-threatening activity served as outreach to a population that needs financial education but is often reluctant to get it because of the stigma around it.

Teaching financial education can be difficult. Talking about money intimates people and they often wait until hardship strikes before seeking help. Therefore, financial educator Nancy Reigelsperger knows she needs to make her classes not only practical, but non-threatening and enjoyable as well. It's especially important to hook younger people, but working with adults also requires that the classes grab their attention.

One of the great friction points in marriages is money. Although people do not want to talk about it, they do want to be able to deal with it effectively. Erica Brown shares how and why she used Money Habitudes to address this topic with a support group of military spouses. The light activity helped them talk about it with their partners in an easy, non-threatening way.

Instead of sleep-inducing PowerPoint slides and a lecture, Belinda Pfeiffer, a family and consumer sciences educator, uses Money Habitudes for Teens to connect with teenagers in schools and youth groups. When using Money Habitudes with homebuyer/homeowner classes and with senior citizens, the cards help put people at ease, get them to open up, participate and make classes more enjoyable.

Although financial planners are trained to help people manage their investments, they can sometimes fall into the trap of thinking that their own goals and values around money are the same as their clients'. Alan Frank, a financial educator, financial planner and finance professor, gleaned great personal insight by discovering his own Money Habitudes. He shares how he then translated this better understanding to how he interacts with clients. He uses Money Habitudes with individuals, couples and in classes and workshops.

Financial planners can't avoid talking to clients and prospective clients about the sensitive topic of money. Even for professionals, it can be a daunting task because those seeking their help don't readily open up about money. In addition, planners increasingly see that discussing spending, saving and investing can be a gateway to other issues that clients have -- and which advisors must confront. Steven Shagrin, CFP®, uses Money Habitudes™ cards to better understand and relate to his clients.

Although financial planners are trained to help people manage their investments, they can sometimes fall into the trap of thinking that their own goals and values around money are the same as their clients'. Alan Frank, a financial educator, financial planner and finance professor, gleaned great personal insight by discovering his own Money Habitudes. He shares how he then translated this better understanding to how he interacts with clients. He uses Money Habitudes with individuals, couples and in classes and workshops.

It's important for financial planners to understand their clients, including how they see and use money and what is happening in their lives. It's also important that clients and financial advisors feel comfortable and open when discussing the sensitive topic of money. To this end, financial planner Tony Owings uses Money Habitudes as an easy, non-threatening, non-judgmental tool when working with individuals, couples and in workshops.

Therapists know that money is going to come up in many, many sessions either because it's the presenting issue or is somehow related to what brings people to counseling. Kelly Chicas, LPCC, found that using Money Habitudes™ cards allowed her to discuss those issues with clients in a better way. She has also used the cards to facilitate workshops.

Financial planners can't avoid talking to clients and prospective clients about the sensitive topic of money. Even for professionals, it can be a daunting task because those seeking their help don't readily open up about money. In addition, planners increasingly see that discussing spending, saving and investing can be a gateway to other issues that clients have -- and which advisors must confront. Steven Shagrin, CFP®, uses Money Habitudes™ cards to better understand and relate to his clients.

When teaching financial classes for divorcing couples, Kent Thompson witnessed their arguments and acrimony because of money. To get them to relate better to one another around finances, he used Money Habitudes cards. In the end, having better understood each other and their disagreements, most of the divorcing couples decided to turn away from divorce and make the marriage work

Teenagers like to interact with each other rather than sit still for lectures. Playing to this tendency, Joyce Bartels-Daal uses Money Habitudes as the basis for a money-based life skills class. Students enthusiastically dive into the activity and need little oversight. They also discover how to be better with money and how to talk about the difficult topic.

Although financial planners are trained to help people manage their investments, they can sometimes fall into the trap of thinking that their own goals and values around money are the same as their clients'. Alan Frank, a financial educator, financial planner and finance professor, gleaned great personal insight by discovering his own Money Habitudes. He shares how he then translated this better understanding to how he interacts with clients. He uses Money Habitudes with individuals, couples and in classes and workshops.

In working to build and sustain healthy relationships, Stronger Families knows that money plays a crucial role. Therefore, the organization includes a module on money and communication -- using Money Habitudes cards -- in its hallmark relationship program, which largely serves the military and marriage mentors in churches.

Financial education classes often neglect communication skills and focus solely on the mechanics of budgeting, expense tracking, etc. But Lori Scharmer, a family economics educator, finds great value in helping couples communicate about money. If they aren't comfortable talking about their finances, managing them will difficult. In her standard couples' finance class, she uses Money Habitudes cards.

When teaching financial classes for divorcing couples, Kent Thompson witnessed their arguments and acrimony because of money. To get them to relate better to one another around finances, he used Money Habitudes cards. In the end, having better understood each other and their disagreements, most of the divorcing couples decided to turn away from divorce and make the marriage work.

Common challenges in marriages include money, sex and time. Catholic churches and dioceses use Money Habitudes in marriage preparation programs to help people better understand themselves and their partners when it comes to money and finances. Valerie Conzett, director of the Family Life Office in the Archdiocese of Omaha, and Sr. Virginia West, a marriage and family therapist at St. Margaret Mary Catholic Church in Winter Park, FL, share how they use Money Habitudes cards in their marriage prep classes.

Teaching financial education can be difficult. Talking about money intimates people and they often wait until hardship strikes before seeking help. Therefore, financial educator Nancy Reigelsperger knows she needs to make her classes not only practical, but non-threatening and enjoyable as well. It's especially important to hook younger people, but working with adults also requires that the classes grab their attention.

Instead of sleep-inducing PowerPoint slides and a lecture, Belinda Pfeiffer, a family and consumer sciences educator, uses Money Habitudes for Teens to connect with teenagers in schools and youth groups. When using Money Habitudes with homebuyer/homeowner classes and with senior citizens, the cards help put people at ease, get them to open up, participate and make classes more enjoyable.

Teenagers like to interact with each other rather than sit still for lectures. Playing to this tendency, Joyce Bartels-Daal uses Money Habitudes as the basis for a money-based life skills class. Students enthusiastically dive into the activity and need little oversight. They also discover how to be better with money and how to talk about the difficult topic.

Money Habitudes cards are used with the military's different branches to create a corps of financially stable service members. Using the cards to engage her audience, financial educator Madeleine Greene presents financial management workshops at installations across the country.

In working to build and sustain healthy relationships, Stronger Families knows that money plays a crucial role. Therefore, the organization includes a module on money and communication -- using Money Habitudes cards -- in its hallmark relationship program, which largely serves the military and marriage mentors in churches.

Money Habitudes™ cards are used in the Command Financial Specialist program to create a force of financial first responders who offer informal help to their colleagues. During their training, financial program manager, Carol Allison, says that it's imperative that the peer counselors understand and internalize that those around them see and use money in very different ways.

When teaching financial classes for divorcing couples, Kent Thompson witnessed their arguments and acrimony because of money. To get them to relate better to one another around finances, he used Money Habitudes cards. In the end, having better understood each other and their disagreements, most of the divorcing couples decided to turn away from divorce and make the marriage work.

Financial education classes often neglect communication skills and focus solely on the mechanics of budgeting, expense tracking, etc. But Lori Scharmer, a family economics educator, finds great value in helping couples communicate about money. If they aren't comfortable talking about their finances, managing them will difficult. In her standard couples' finance class, she uses Money Habitudes cards.

Erica Brown, a community readiness technician at Shaw Air Force Base, shares how Money Habitudes served as the basis for a fun and casual financial education class. Meeting young airmen in their own living space and using an engaging, non-threatening activity served as outreach to a population that needs financial education but is often reluctant to get it because of the stigma around it.

Confronting dry subject matter and an often unwilling or unhappy audience, financial program manager Kent Thompson discovered how Money Habitudes cards make financial education classes non-threatening and fun. In fact, students liked the card game so much that they would return to multiple classes to do the activity and better understand their money habits and attitudes.

One of the great friction points in marriages is money. Although people do not want to talk about it, they do want to be able to deal with it effectively. Erica Brown shares how and why she used Money Habitudes to address this topic with a support group of military spouses. The light activity helped them talk about it with their partners in an easy, non-threatening way.