Famous last words, “If I had the chance to do it all over again”. How many times have you heard this phrase spoken by people who unexpectedly received a large sum of money and they started spending the money without a plan. Student will learn characteristics of a lump sum payment and based on the specific circumstances, they will learn how to apply the appropriate strategies and seek professional help. Lump sums may include: Tax Refunds, Gifts (Wedding, Graduation & etc.), Severance Package/Buyout Package, Lottery Winnings, Lawsuit Settlement/Divorce Settlement, Financial Aid Packages (specifically student loans), etc.