While many savings, investment, and retirement plans are available to achieve financial goals, other actions are possible to achieve personal ambitions. Financial advisors and counselors also recommend these actions:

• Learn a new skill, which can result in time away from shopping or expanding your career and income potential.
• Invest in friendships that does not involve a major monetary requirement as many free and low-cost activities are available.
• Participate in a reading challenge at your local library or through a community organization.
• Create art by getting involved with writing, photography, drawing, or sculpture through a community-based group.

Many activities are available to invest your time and energy without spending much money.

For additional information on non-financial goals, click here.

Teaching Suggestions

• Have students list free and low-cost activities that can enhance personal and career development.
• Have students talk to others for additional suggestions for free and cost-cost personal and career development activities.

Discussion Questions 

1. What factors might a person consider when selecting an activity to enhance personal and career development?
2. Describe personal development activities that could result in enhanced career and income potential.