Road to Financial Wellness Seminar

Rutgers Cooperative Extension sponsored a seminar, The Road to Financial Wellness, in June 2016. Phroogal founder Jason Vitug presented opening remarks followed by a panel discussion about financial wellness and how to achieve it. Panelists included Barbara O'Neill (Rutgers Cooperative Extension), Pam Callender (Rutgers Federal Credit Union), and Kim Cole (Navicore Solutions). Phroogal, a social media company that provides financial information targeted to young adults in the millennial generation, visited Rutgers University as part of a three month cross-country financial education road trip. The Rutgers seminar focused on the importance of life planning and wise spending. Key points were "cutting expenses is more powerful than increasing income" and "a bargain is not a bargain unless you need it." Vitug encouraged attendees to "envision the life you want to live," and "have a life plan-not just a financial plan." He also warned about the dangers of becoming over-extended on credit cards.

What is Financial Wellness?

Presentation by Rutgers University graduate Jason Vitug, the founder of @phroogal, about the power of financial knowledge, components of financial wellness, and the importance of developing a life plan that reflects personal values.

Panel Presentation Question: What is Financial Wellness?

Panelists Barbara O'Neill (Rutgers Cooperative Extension), Pam Callender (Rutgers Federal Credit Union), and Kim Cole (Navicore Solutions) discuss what the term "financial wellness" means to them.

Panel Presentation Questions: Strategies and Resources to Improve Financial Wellness

Panelists Barbara O'Neill (Rutgers Cooperative Extension), Pam Callender (Rutgers Federal Credit Union), and Kim Cole (Navicore Solutions) discuss strategies and resources to improve financial wellness.

Panel Presentation Question: Handling Financial Shocks and Building Resilience

Panelists Barbara O'Neill (Rutgers Cooperative Extension), Pam Callender (Rutgers Federal Credit Union), and Kim Cole (Navicore Solutions) discuss strategies to handle life's inevitable financial emergencies.

Panel Presentation Question: Tips to Increase Financial Wellness

Panelists Barbara O'Neill (Rutgers Cooperative Extension), Pam Callender (Rutgers Federal Credit Union), and Kim Cole (Navicore Solutions) discuss ways that people can improve their financial wellness.


  1. Rutgers
  2. Executive Dean of Agriculture and Natural Resources
  3. School of Environmental and Biological Sciences