WEALTH, MADE VISIBLE. This summer, six Wednesdays with @hbwealthria became six conversations about how money actually works. Our young people shared dinner, asked candid questions, worked through real-life decisions, and learned directly from professionals who spend their careers navigating and growing wealth. From the first dollar earned to the assets one day left behind, the HB Wealth Summer Series followed the full arc of financial life. Six subjects. Six rooms full of questions. One much larger idea: Financial independence becomes more imaginable when the mechanics of wealth are no longer hidden. Special gratitude to Cindy Wilson and the exceptional HB Wealth volunteer SMEs who gave our young people access to the language, mechanics, and possibilities of wealth and treated every question as worthy of an answer. #nsoroSUMMER #FosteringFutures #WealthBuilding 1 | EFFECTIVE BUDGETING + SAVINGS Start with what you have. Know where it goes. Budgeting became a tool for choice how to manage income, anticipate expenses, build savings, and make today’s money serve tomorrow’s goals. 2 | TAXES Your paycheck tells only part of the story. W-2s, withholding, deductions, refunds, earned income the group unpacked what happens between what you earn and what you actually keep. 3 | LOANS + LENDING The price is one number. The cost is another. Credit, interest rates, car financing, borrowing, and repayment came off the page and into real life. The lesson: understand the terms before signing your name. 4 | INVESTING BASICS Money can work, too. Stocks, bonds, diversification, risk, compound growth, and time introduced a powerful idea: building wealth can begin long before someone considers themselves wealthy. 5 | INSURANCE Protect what you are working so hard to build. Insurance became less about policies and premiums and more about managing risk, protecting income, property, health, and the financial progress already underway. 6 | ESTATE PLANNING What you build deserves instructions. Wills, beneficiaries, assets, decision-making, and legacy brought the series full circle. Estate planning began with a surprising truth: you do not have to be wealthy to begin thinking