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between you and the financial aid adviser. Your college’s financial aid office is charged with helping you find
the money to go to college, but it isn’t charged with making sure you don’t take on too much student debt. It is
possible to get good advice on getting money to pay for college that is also bad advice for your future
finances.
College financial aid counselors are also generally not trained in other areas of finance and should not be
relied on for advice on investing, taxes, noncollege debt, or other financial matters. To get help with these
areas, consult a qualified professional who can guide you with fewer conflicts of interest, such as the
professionals listed below.
ANALYSIS QUESTION
Talk with your parents or other family members about their experience with finances, including financial
advisers, taxes, legal issues, and investing. When could they have used professional advice in their past? Did
they have bad experiences with getting advice that wasn’t best for them? How has a lack of good advisers
harmed your family financially (even if just because they could have had more money)?
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10 • Summary
Summary
There are a lot of benefits to good financial management. Primarily, it generally allows you to do more of what
you want with your life. When you have poor financial habits, too much of your money goes into other people’s
pockets. But when you have good financial management habits, you can afford to do more because you have
worked hard, separated needs from wants, saved and invested, and avoided credit card and debt pitfalls.
Career Connection
Search the articles at PurposefulFinance.org and find one you deem interesting.
Why do you find it interesting, and how can you apply it to your life? How does the article relate to the
concepts in this chapter?
Rethinking
Revisit the questions you answered at the beginning of the chapter, and consider one concept or practice you
learned in this chapter that might change your answer to one of them.
1.
2.
3.
4.
I actively and regularly plan and/or monitor my finances.
I understand the benefits and risks of credit.
I have a plan to repay my student loans.
I regularly take steps to protect my identity and assets.
Where do you go from here?
Financial literacy is a topic that many college students struggle with, but good financial planning habits will
benefit you long after your college days are behind you. What would you like to learn more about? Choose a
topic from the list below, and create an annotated bibliography that would direct further research.
•
•
•
•
Marrying personal finance goals with financial planning
Creating a saving and spending plan
Best practices concerning credit cards
Financing a college education
Access for free at openstax.org
11 • Introduction
11
Engaging in a Healthy Lifestyle
Figure 11.1 Movement, in all its forms, is an important element of health and wellness. Movement contributes to balance,
cardiovascular health, strength, and flexibility; it can also help clear your mind in the midst of study and stress. (Credit: Steven Pisano
/ Flickr / Attribution 2.0 Generic (CC-BY 2.0))
Chapter Outline
11.1 Taking Care of Your Physical Health
11.2 Sleep
11.3 Taking Care of Your Emotional Health
11.4 Taking Care of Your Mental Health
11.5 Maintaining Healthy Relationships
11.6 Your Safety
Introduction
Student Survey
How do you feel about health and wellness? These questions will help you determine how the chapter
concepts relate to you right now. As we are introduced to new concepts and practices, it can be informative to
reflect on how your understanding changes over time. We’ll revisit these questions at the end of the chapter to
help you identify opportunities for improved health. Take this quick survey to figure it out, ranking questions
on a scale of 1–4, 1 meaning “least like me” and 4 meaning “most like me.”
1.
2.
3.
4.
I eat enough fruits and vegetables every day.
I get enough sleep.
I have, for the most part, healthy relationships with friends and family.
I feel like I know how to manage stress.
You can also take the Chapter 11 survey (https://openstax.org/l/collegesurvey11) anonymously online.
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