San Jose, California, United States

(408) 472-7462


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BY AGE 30, HOW MUCH WILL YOU HAVE SAVED?

 Student A is a smart spender, who saved $100,000 at age 30, 

- Only 1 out of 6 millennials have saved $100,000

Student B has not saved any money at age 30

Student C is has a debt of $100,000 at age 30


Middle class incomes have declined over the last 30 years, while costs have gone up.
There has never been a greater need to learn how to pay less and get more. This is what I call smart spending.


SMART SPENDING (as part of a plan to save $100,000 by age 30)

is one of the most important skills any young person can learn. 


WHAT LEARNING SMART SPENDING CAN DO FOR YOU 

Learning Smart spending can help you pay almost nothing for College.


Learning smart spending can help you to easily save for short term goals, like travel or living your desired lifestyle.


Learning Smart spending can help you buy a house, even in the Bay area.


Learning smart spending and being on track to save $100,000 by age 30 will eliminate most money worries.


SMART SPENDING IS A SKILL 

THAT YOU CAN ONLY LEARN WITH PRACTICE

It doesn't matter what you know about money, 

it only matters how you spend your money.


How do you learn smart spending?

By playing the 100by30 smart spending game 

(the first month is free).

To start the game you enroll in the game using the form below and then buy something that you think is an example of smart spending. 


You will use your smart spending skills, to buy increasingly complex things, starting with low cost items such as clothes, food, and technology. Then progressing up to a phone, a car, a college education and a house.


Depending on the age that you start the game, some of the purchases will be real, and some will be virtual.

You will track your smart spending in the app after you become a paid customer after the free 30-day introduction.



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THE LIFETIME VALUE OF SKILLS BASED EDUCATION

The average cost to raise a child to age 17, not including college, is $230,000. 


7% or about $16,000 is for non school expenses like tutoring, music lessons, camp, travel, sports equipment and similar character building experiences.


In the 1980s, I was part owner of company called The France Experience (it is no longer in business) that offered educational trips to France for high school students. 


I think that educational travel experiences have the following major benefits.

1 Seeing other cultures and learning more about the world.

2 The benefit of practicing speaking a language in real life situations.

3 The long term benefit of learning to be independent and taking care of yourself.


You can see some examples of these educational travel benefits in a 5 minute video that shows testimonials from the France Experience travel video  here


What is the LIFETIME VALUE for having your child save $100,000 by age 30? 

I believe that learning Smart Spending and being on track to save $100,000 by age 30, will give the average person a worry free financial future.


The lifetime value of actually saving $100,000 by age 30, is similar to point number 3 above. It helps a young person become independent and get a good start in life.


Many students are good in certain subjects, but don't discover their career until many years later.  


When your child becomes an expert with their money,  they will have an ability that very few of their peers have.  They will then have the confidence  that they can succeed in life.



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Why I created this game + James Chandler Bio

 MY FINANCIAL PLANNING BACKGROUND

I am a financial planner with over 18 years of experience. I have worked for American Express Financial Advisors which later became Ameriprise. I am now a fee based financial planner, I only make money on education, I don’t sell products. I am not accepting any new adult clients. I also have a CTE teaching credential.


WHY I CREATED THIS GAME/COURSE

As a financial planner and the father of 2 young adults living in the San Francisco area, I see that most of my children’s friends struggling financially. Even if they move to a low cost state, they could struggle to save $100,000 by age 30, since only 1 out 7 Millenials do.


I have written a book that explains how to be a smart spender. A smart spender with an average income can lead a middle class lifestyle even in the bay area.

This course is an attempt to prove the theories of my book.


I believe that learning to be a money expert is like learning a sport.

In the case of money it is an emotional sport. It is best to learn by doing.


My theory, is that the thinking process that we go through when we buy most things is similar. 

So that if we are very good at buying inexpensive things, we will be very good at buying expensive things. 


There is however more risk in buying more expensive things, because we usually have to finance them. So we need to understand how to evaluate the risk, to keep making smart spending decisions.


So as the cost of buying more expensive things increases, the teaching will increase, but only when the student has proven that they are good at buying inexpensive things. 


The game/course works in a similar way as any video game that has levels.

In this case there are smart spending levels. The classes will be for students at a similar level.


James Chandler Bio

2001 to present 

Financial Planner 

See my full resume here at Linked-In


1984-1988

Co-Owner of Educational Student Travel company


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Parent or School District Next Steps

TRYING OUT the CLASS-GAME

A parent or school district employee can play a short version of the class-game that lasts several weeks, for free to test it out and see how Smart Spending works. This is not about investing. I am not taking new adult clients.

Depending on your age, smart spending, can make it possible to retire earlier, by spending smarter. 


PLEASE FILL OUT THE FEEDBACK and application form below, to HELP ME IMPROVE 100by30.  Any feedback you can give me would be greatly appreciated. It will only take 2 minutes.


If you are a parent or school district and would like to find out more about the class-game, please fill in the form below or call me at 408-472-7462.


I am limiting this class to 50 students.  The first class will be at a location and online.


When I worked at American Express and Ameriprise a financial plan cost $850. I believe that this class-game is worth more than that for 12 years of  class time and consulting. The cost will be on a sliding scale.


SCHOOL DISTRICT INTEREST - NEXT STEP FORM

NEXT STEPS - REQUEST 30 Minute Meeting

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Send me a message, to set up a meeting or use feedback button above to help me improve this website.  I will get back to you soon to schedule a consultation.

100by30

san jose ca

(408) 472-7462

Hours

Monday - Friday: 9am - 5pm Saturday: By appointment Sunday: Closed