SHINE A LIGHT ON YOUR FINANCESGet support for the small changes that boost health and well-being.

What is financial well-being?Financial well-being is an important part of your overall wellbeing. It’s not about how much money you make. It’s about having control over your money — and making it work for you to achieve your goals.

What is the Financial Well-Being™ program?Financial Well-Being is a comprehensive online learning program powered by Dave Ramsey that shows you how to take small steps toward big improvements in your financial situation. Whether you want to stop living paycheck to paycheck, get out of debt, save for retirement or send a child to college, the Financial Well-Being program can help.

Why should I participate?Financial stress can have a negative impact on your physical and emotional health. This program delivers practical advice with a positive impact, helping you make small, incremental changes that add up to big results. The average person saves $2,700 and pays off $5,300 in debt in the first three months of applying the program’s lessons.

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What does the program give me?

» ONLINE VIDEOS in which financial expert

Dave Ramsey breaks down proven

financial strategies in step-by-step lessons.

» PRACTICAL ADVICE to help you take

control over your money and make it work

for you.

» MORE ONLINE TOOLS like interactive

financial forms, a smart, secure budgeting

tool, workbooks, quizzes, and audio clips of

4,000+ financial questions and answers.

Resources, tools and support — they are all yours to enjoy.

How much does it cost?As a member of Take Charge! Live Well!, you get allof this at no cost to you. The program is part of youremployee benefits, so there is no reason not to try it.

Is my information protected?Yes. You’ll use a username and password to access thesite. Plus, the information you record in the FinancialWell-Being site is as secure as any banking site.

How do I earn rewards*?Earn $50 for each online lesson you complete. Previously completed lessons are not eligible for rewards. The maximum reward you can receive for Financial Well-Being and other well-being improvement activities you participate in is $200. For more information about rewards, visit ohio.gov/tclw and select Program Guide under About Take Charge! Live Well!

*Reward cards are considered taxable compensation. The taxes on the amount

of your incentive will be deducted from your paycheck.

What kind of detail does it go into?You’ll find answers to questions like:

• How much should I keep in an emergency fund?

• How do I get out of debt?

• How can I teach my children good money habits?

• What’s the best way to finance a house? A car?

• What kind of insurance should I have?

• How much retirement savings do I need?

How long does it take to finish?The program is self-guided, so you can go at your ownpace. Most people complete the course in about12 weeks. Because each lesson builds on the next, it isbest go in order. After you complete the introduction,you have access to all the topics.

Take Charge! Live Well!ohio.gov/tclw • 1-866-556-2288

(Mon - Fri: 8 a.m. – midnight ET • Sat: 8 a.m. – 9 p.m. ET)

© 2018 Sharecare, Inc. All rights reserved.The State of Ohio has partnered with Sharecare to provide you well-being

improvement resources through Take Charge! Live Well! Sharecare is committed to protecting the confidentiality of your personal information.

I am ready to get started

GO to ohio.gov/tclw and click on the Well-Being Connect button.

SIGN IN and click on Financial Well- Being at the bottom of the page.*

CLICK on start now.

WATCH the two-minute intro video and take it from there.

*If you have not yet set up an account with Take Charge! Live Well!, follow the

on-screen steps to create one. The website is optimized for computer or tablet

screens. Adobe Flash Player 10.X is required for some of the site’s features. Be

sure to enable cookies and JavaScript.

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