Congratulations Class of 2022!

Along with family, friends, mentors, and educators, Inceptia applauds this year’s college graduates. You have fulfilled a promise you made to yourselves and completed a journey that delivered more uncertainty than you could have predicted. And still, you made it. If you find yourself reading this Great Advice for Grads, I want you to know about how it ended up in your hands (virtually). It all starts with a cross-collaboration between Inceptia team members in Nebraska and Ohio; as part of our nonprofit mission, this guide is one of our passion projects that we look forward to every spring. We then chat with our friends at NerdWallet to find the right content and strike the right balance. We work with our design team to put together a guide that looks and feels relevant. We send it to our proofreading team, while also doing multiple rounds of edits ourselves. Our marketing team puts together emails, tweets and flyers to help spread the word. We take about two months, from start to finish, putting together a free tool to help you become financially empowered. Lastly, we share it with everyone. We hope it gets into as many hands as possible. But mostly, it’s the colleges, universities and the staffwho serve you that probably led you to Great Advice for Grads 2022. I share all of this to give you some insight into the number of people that are rooting for you to succeed. From the team here at Inceptia, to the writers at NerdWallet, to the educator, mentor or professional staff that wanted you to read this guide. We all work together to deliver the gift of financial awareness. We want the best for your financial future and we hope this guide serves you well. When I think about how so many people work together toward a common end, I am reminded of the author James Altucher’s Power of 5 theory. I think it’s a helpful framework for deciding who you want to be and how you choose to be in this world; I hope it strikes a chord with you, too. In short, it goes like this:

• You’re the average of the five people closest to you • And the five things by which you’re most inspired • Your thoughts are the average of the five things you think about most

• While your body and mind are the average of the five things you most “consume” • Finally, you are the average of the five things you do each day to help others With that in mind, I hope this next part of your journey is full of good people, good thoughts, good ideas and good deeds. Congratulations and cheers to the Class of 2022!

Carissa Uhlman Vice President of Student Success Inceptia

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