Youth Financial Education Coordinators Kelsey Balcaitis and Cheryl Belk welcomed RB Savings Challenge contestants Ulises Garcia, Crystle Castro, Joy Eguavoen, and Oscar Contreras and their guests, for a total of 8 participants. They reviewed previous goals and the Money Mission exercise, along with new formulas such as "Income minus Savings minus Expenses = Zero," and how to create a baseline of "Frozen Expenses," the generally unchanged month-to-month bills. The negative connotations of the word "Budget" were explored, with a "Spending and Saving" mindset preferred. They discussed the Pay Yourself First philosophy for diverting part of your paycheck into savings strategies, and that "No Crash Diets, No Crash Budgets!" was a good idea.  Kelsey showed resources available online such as mint.com and David Bach’s "The Latte Factor." Methods for increasing income and decreasing expenses were discussed, the best of which was "Don’t Shop...