Emily

Title: Why and How to Passively Invest as a Grad Student or Postdoc

Format: Live lecture with Q&A (in person or remote)

Intended Audience: Graduate students receiving stipends, postdocs

Length: 60 minutes

Timing: Year-round

Live Seminar Outline: Why and How to Passively Invest as a Graduate Student or Postdoc from Emily Roberts on Vimeo.

Summary: According to the Council of Graduate Schools’ Financial Education: Developing High Impact Programs for Graduate and Undergraduate Students, doctoral students seek information on investing at a higher rate than any other financial education topic (49%). Passive investing is not only the most effective form of investing, but it also fits well with the capital and time constraints that most trainees face. However, graduate students and postdocs often don’t realize that passive investing is within their reach while they are still in training because the method is not advertised. This presentation teaches trainees what passive investing is, why it is a great choice for them, and how to get started with it. It addresses practical considerations like where to open an investment account, which type(s) of tax-advantaged retirement account to use if any, and how to balance investing with other financial goals.

Outline:

• Why invest?
  • Compound interest
  • Inflation risk
  • Types of investments
  • Mutual funds
• What is passive investing?
  • Active vs. passive investing
  • Diversification
  • Index funds
• Why passive investing is a superior method
  • Effectiveness
  • Low cost
  • Low time commitment
• How to get started investing
  • Tax-advantaged retirement accounts
    • Workplace-based
    • Non-workplace-based (compensatory pay)
    • Roth vs. traditional
  • Choosing a brokerage firm
  • Choosing funds
    • What is your goal/timeline?
    • DIY passive investing
    • Lifecycle/target date funds
• Balancing investing with other financial goals
  • A healthy financial picture
  • Choosing how to increase your net worth (investing vs. debt repayment)
• The importance of savings rate

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Title: Demystifying Taxes for Graduate Students and Postdocs

Format: Live lecture with Q&A (in person or remote)

Intended Audience: Graduate students receiving stipends, postdocs

Length: 90 minutes

Timing: January to July

Live Seminar Outline: Demystifying Taxes for Grad Students and Postdocs from Emily Roberts on Vimeo.

Summary: Preparing a tax return can be daunting for a trainee, especially when fellowships and scholarships are involved, and it’s difficult to find resources that address this special situation. This presentation introduces how ordinary income is taxed and addresses how to calculate and report trainee income specifically.

Outline:

• Federal income tax basics (deductions, credits, progressive tax brackets)
• Tax preparation methods
• Finding and categorizing your income
• Applying education tax benefits
• Where to report your higher education income and expenses
• Quarterly estimated tax for fellows
• State tax
• Tax repercussions of awarded income

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Money Management Basics explores in depth the basic techniques of handing money, which are unique to each individual.

The major sections of the presentation are:

• identifying values, setting goals, and choosing tactics
• budgeting methods
• banking and credit
• emergency funds
• savings and debt repayment

This talk is a great fit for grad student orientations because it puts grad students in the proper frame of mind for setting positive financial habits from the beginning of school.

(45 minutes plus time for questions)

 

 

Title: Set Yourself Up for Financial Success in Your PhD Program, Postdoc, or Post-PhD Job

Format: Live lecture with Q&A (in person or remote)

Intended Audience: Undergraduate and graduate students and postdocs graduating/moving on in the next year

Length: 60 minutes

Timing: Year-round

Summary: This seminar is designed for PhD trainees at the undergraduate, graduate, and postdoctoral levels who plan to graduate and/or take another job in the next year.

Outline:

• Why and how to set up your budget before you move
• Tax (income, FICA)
• Payroll deductions, e.g., insurance
• 8-step financial framework
• Student loans (budgeting for repayment, income-driven repayment plans)
• Investing (workplace-based retirement accounts, IRAs)
• How to set your living expenses appropriately to your salary
• Homebuying
• Moving expenses

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This comprehensive presentation or workshop teaches postdocs the basics of personal finance and how they can set and reach financial goals during their training.

The major sections of the presentation are:

• values, goals, and strategies
• budgeting
• saving
• tax-advantaged retirement accounts
• investing
• debt evaluation and repayment

(60-90 minutes plus time for questions)

Title: The Graduate Student and Postdoc’s Guide to Personal Finance

Format: Live lecture with Q&A (in person or remote)

Intended Audience: Graduate students receiving stipends, postdocs

Length: 120 minutes

Timing: Year-round

Live Seminar Outline: The Graduate Student’s Guide to Personal Finance from Emily Roberts on Vimeo.

Summary: This comprehensive presentation or workshop teaches stipend-receiving graduate students and postdocs the basics of personal finance and how they can set and reach financial goals during grad school. This talk is appropriate for grad students of all years and postdocs. It is well-suited as a stand-alone event or part of an orientation or personal/professional development series.

Outline:

• Financial goals framework
• Saving
  • Emergency funds
  • Targeted savings accounts
• Investing
  • Tax-advantaged retirement accounts
  • Passive investing
• Debt repayment
  • Student loan deferment
  • Whether to pursue income-driven repayment and forgiveness
• Increasing income
• Budgeting and frugality
• Pay types and tax implications

Schedule a Call to Discuss This Seminar

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