To All Teenaged, Impoverished, Latchkey Orphans:

http://mobile.reuters.com/article/businessNews/idUSKBN0NE1AK20150423?irpc=932

Five Questions:

1. Is half my savings (including retirement, 529, or college plans) allocated to conservative investments, such as: laddered, five year, ten year, fifteen year, twenty year, U.S. Savings Bonds, from Chase Bank, kept in my Chase Bank security deposit box, with all valuable jewelry, an extra set of keys to everything I have, a USB flash drive of my scanned-in important documents?

2. Did I transfer my 529 CollegeInvest, Colorado plan to the most conservative, "Value" one, with the guaranteed annual return, and Colorado state tax benefits, if a Colorado resident?

3. Am I considering CLEP textbooks, CLEP workbooks from the public libraries/thrift stores, getting a few transparency films, dry erase markers at Wal-Mart to do these courses, and cut back my university/college tuition costs further, even as I register at the local community college?

4. Is my budget realistic for acquiring a six month, emergency savings account at Chase Bank, in the best possible savings account for my banking needs? Is my goal term realistic, e.g. if I were to save $375/month for five years/60 months, could I reach the amount I needed in savings, for a six month emergency fund ($22,500 U.S.D./U.S. dollars)? ***PLEASE, ask yourself if you're clipping coupons, checking Groupons, online coupon sites, buying generic brands, shopping at thrift stores, dollar stores and Big Lots every single month, to reach that savings goal in five years/60 months.***

5. Have I read this book yet? Could I ask my public librarian for it, so I can have basic financial planning literacy, for free?

http://www.wiley.com/WileyCDA/WileyTitle/productCd-1118117859.html