Please see attached documents and information below,

Below is my tentative thesis and scholarly references for the problem solution paper;

Topic: Financial Planning

Tentative Thesis:  Spending more that we can afford, Time to work on our budget.

Scholarly References;

1) Colin S. Gray (2008) Coping With Uncertainty: Dilemmas of Defense Planning, Comparative Strategy, 27:4, 324-331, https://doi.org/10.1080/01495930802358414

2) Cole, S., Paulson, A., & Shastry, G. (2016). High School Curriculum and Financial Outcomes: The Impact of Mandated Personal Finance and Mathematics Courses. The Journal of Human Resources., 51(3), 656698. https://erau.userservices.exlibrisgroup.com/discovery/openurlinstitution=01ERAU_INST&rfr_id=info:sid%2Fsummon&rft_dat=ie%3D2121883740005946,language%3DEN&svc_dat=CTO&u.ignore_date_coverage=true&vid=01ERAU_INST:Services&Force_direct=false

3) Reinhart, C., & Rogoff, K. (2010). Growth in a Time of Debt. The American Economic Review, 100(2), 573-578. Retrieved September 21, 2020, from http://www.jstor.org/stable/27805061